Exhibit 99.1 Schedule 2

 

Loan Number 1 Dummy ID Loan Number 2 Client Project Pool Fund Loan Review Status Property State Original Loan Amount Finding Category Finding Sub-Category FindingStatus RA Grades Finding Description Finding Comment Lender Response Lender Status
xx 16247413 xx 561 561-882 xx Non-QM QC Complete North Carolina xx NPL NPL Active B * Payment history is incomplete/ missing (Lvl 3)      
xx 16247413 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Legal Docs Legal Docs Active B * POC is not filed in timely manner, check for actual POC deadline (Lvl 3)      
xx 16247413 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Application Missing (Lvl 2) An illegible copy of application is located at"xx".    
xx 16247413 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Valuation Appraisal Active B * Property is vacant (Lvl 3) As per BPO report dated xx/xx/xxxx, the subject property was vacant. However, as per collection comment dated xx/xx/xxxx, the subject property is occupied by the owner.    
xx 16247413 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Valuation Valuation Active B * Property Damage (Lvl 3) As per the inspection report dated xx/xx/xxxx, The subject property requires exterior and interior repairs. The report remarks that the exterior painting needs to be repaired which is estimated in the amount of $5,000.00 and the interior roof needs to be repaired and it is estimated in the amount of $2,000.00. The total estimated cost of repair is $7,000.00.    
xx 16247413 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Collection comments are available from xx/xx/xxxx toxx/xx/xxxx and from xx/xx/xxxx toxx/xx/xxxx. Missing comments from xx/xx/xxxx toxx/xx/xxxx, as we require latest 24 months collection comments.    
xx 16247413 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing in the loan file.    
xx 16247413 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Hud-1 available at "xx" is illegible copy.    
xx 16247413 xx 561 561-882 xx Non-QM QC Complete North Carolina xx NPL NPL Active B * Payment History is not Complete (Lvl 3) Payment history is available from xx/xx/xxxx toxx/xx/xxxx. Missing payments from xx/xx/xxxx toxx/xx/xxxx as we require 12 months payment history.    
xx 16247413 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing in the loan file.    
xx 15149186 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 15149186 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 15149186 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
xx 15149186 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR was not hand dated    
xx 15149186 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 74329883 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 74329883 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 74329883 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) As per Appraisal report dated xx appraised value of subject property was xx. Sale price per Hud-1 was xx. LTV reflected xx.
Hence, MI required per guidelines. Hud-1 & Final 1003 shows monthly MI in the amount of $543. However MI certificate is missing in the loan file.		    
xx 74329883 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Valuation Appraisal Active B * Variation in Parcel number(APN#) (Lvl 3) xx    
xx 67506223 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 67506223 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 67506223 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * Application Missing (Lvl 2) The final application is not signed by the borrower. However, the values are updated as per unexecuted copy of 1003 .    
xx 67506223 xx 561 561-882 xx Non-QM QC Complete Ohio xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The loan modification agreement was made between xx (borrower) and xx. (Lender) on xx. The unpaid principal balance was $xx from which $xx are forgiven and the new principal balance is $xx. The forgiven amount is greater than 2% of the modified amount.    
xx 67506223 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) The MI Cert is missing from the loan file.    
xx 67506223 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comments are available from xx/xx/xxxx toxx/xx/xxxx, we need latest 24 months comments for review, the comments are missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 97784502 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 97784502 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 97784502 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) As per the updated title report, there is a Certificate of Sale for Water and Sewer charges against the subject property in the amount of xx, recorded on xx in favor of xx. The subject property is located in NJ State, which is a super lien state. There is a risk of the property to be getting foreclosure due to above unpaid liens. Tax collector reports that the lien is open with the redemption amount of xx through xx. 
It can be cured by redemption of the sold taxes"		    
xx 97784502 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) Subject mortgage is currently in second lien position. As per the updated title report, there is a Certificate of Sale for Water and Sewer charges against the subject property in the amount of xx, recorded on xx in favor of xx. The subject property is located in NJ State, which is a super lien state. There is a risk of the property to be getting foreclosure due to above unpaid liens. Tax collector reports that the lien is open with the redemption amount of xx through xx. 
It can be cured by redemption of the sold taxes"		    
xx 97784502 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Data Edit Data Edit Active B * Deceased Borrower(s) (Lvl 3) According to the updated title report dated xx/xx/xxxx, the borrower,xx was deceased on xx. However, no details regarding the death certificate or probate has been found in the collection comments.

.		    
xx 97784502 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Legal Docs Doc Issue Active B * Amount of title insurance is less than mortgage amount (Lvl 3) As per preliminary title report, amount of insurance is xx however, loan amount is xx    
xx 97784502 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Title Review Active B * Signatures at closing - There is an issue with not all property owners signing the title. (Lvl 4) xx    
xx 97784502 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Complianceease risk indicator is moderate as loan is failing for Prohibited fees test.
Prohibited Fees Test: FAIL $73.00 $0.00 +$73.00
Tax related service Fee is prohibited in NJ state.		    
xx 97784502 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Legal Docs Doc Issue Active B * Title policy missing (Lvl 3) Final title policy is missing from the loan file however, Commitment title is available in the loan file.    
xx 97784502 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 97784502 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test
Prohibited Fees Test is fail for +$73.00
Tax related service Fee is prohibited in NJ state.		    
xx 97784502 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Operative Index Numerical Value Unavailable based on lender docs (Lvl 2) Unable to confirm operative index value due to supporting documents are missing from the loan file operative index value due to supporting documents are missing from the loan file    
xx 10158818 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 10158818 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 10158818 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) As per updated title report  there is HOA Lien /COA Lien against the property  found in the amount of $xx which is recorded on xx in the favor of xx. The subject property located in AL  State, which is a super lien state. There is a risk of the property to be getting foreclosure due to above unpaid liens.    
xx 10158818 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) The subject mortgage is in second  lien position. As per updated title report  there is HOA Lien /COA Lien against the property found in the amount of $xx which is recorded on xx in the favor of xx. The subject property located in AL  State, which is a super lien state. There is a risk of the property to be getting foreclosure due to above unpaid liens.
The risk of foreclosure can be avoid if this lien is paid off.		    
xx 10158818 xx 561 561-882 xx Non-QM QC Complete Alabama xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) As per modification agreement made on xx shows the modified principal balance is $xx however, the lender agreed the principal forgiven balance in the amount of $xx which exceeds 2% of modified principal amount.    
xx 10158818 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Collection comment for 12 months are incomplete. We received payment history from xx/xx/xxxx toxx/xx/xxxx however, comment history for 8 months from xx/xx/xxxx toxx/xx/xxxx is missing.    
xx 33259461 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 33259461 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 33259461 xx 561 561-882 xx Non-QM QC Complete Alabama xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report is missing from loan file.    
xx 33259461 xx 561 561-882 xx Non-QM QC Complete Alabama xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) As per the modification agreement lender agrees to forgive the principal in the amount of $xx which exceeds 2% of the original principal balance. The new modified principal balance per mod is $xx    
xx 33259461 xx 561 561-882 xx Non-QM QC Complete Alabama xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 33259461 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comments are available from xx/xx/xxxx toxx/xx/xxxx, as we required latest 24 months comments for review. The servicing comments are missing from xx/xx/xxxx till xx/xx/xxxx.    
xx 47490437 xx 561 561-882 xx Non-QM QC Complete Nevada xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 47490437 xx 561 561-882 xx Non-QM QC Complete Nevada xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 47490437 xx 561 561-882 xx Non-QM QC Complete Nevada xx Valuation Property Active B * Property Damage (Lvl 2) As per latest BPO (Doc loc#xx) dated on xx/xx/xxxx subject property occupied by borrower and there is need to repair landscaping in the amount of $300.00.    
xx 47490437 xx 561 561-882 xx Non-QM QC Complete Nevada xx Credit Doc Issue Active B * ROR Transaction date not consistent with Note and/or HUD (Lvl 2) As per ROR, the transaction date is xx which is not aligned with the Note date xx.    
xx 47490437 xx 561 561-882 xx Non-QM QC Complete Nevada xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 47490437 xx 561 561-882 xx Non-QM QC Complete Nevada xx Credit Credit Active B * HUD-1 Closing Statement missing or unsigned (Lvl 3) Hud-1 Settlement Statement is available in the loan file at (xx), however, it does not reflect the paid off and cash to borrower, hence, cannot be considered. The values updated as per the Estimated Hud found at (xx).    
xx 47490437 xx 561 561-882 xx Non-QM QC Complete Nevada xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) TILA Finance Charge Test: Fail, Loan Data: xx, Comparison Data: xx, Variance: -$485.00.

TILA Foreclosure Rescission Finance Charge Test: Fail, Loan Data: xx, Comparison Data: xx, Variance: -$485.00.		    
xx 47490437 xx 561 561-882 xx Non-QM QC Complete Nevada xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA Finance Charge Test: Fail, Loan Data: xx, Comparison Data: xx, Variance: -$485.00.
This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) )
The finance charge is xx. The disclosed finance charge of xx is not considered accurate because it is
understated by more than $100

TILA Foreclosure Rescission Finance Charge Test: Fail, Loan Data: xx, Comparison Data: xx, Variance: -$485.00.
This loan failed the TILA foreclosure rescission finance charge test. ( 12 CFR §1026.23(h) , transferred from 12 CFR
§226.23(h) )
The finance charge is xx. The disclosed finance charge of xx is not considered accurate for purposes of
rescission because it is understated by more than $35.		    
xx 96082656 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) Chain of assignment of mortgage is incomplete as the latest assignee shows as xx, corrective assignment only referencing the last AOM.    
xx 9208050 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 9208050 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 9208050 xx 561 561-882 xx Non-QM QC Complete Georgia xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) As per modification agreement made on xx, the unpaid principal balance was $xx. The lender has forgiven principal amount in the amount of $xx, which is exceeding 2% of modification amount.    
xx 9208050 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Comment history is available from xx/xx/xxxx to xx/xx/xxxx, which is for 16 months. However, comment history is missing from xx/xx/xxxx till xx/xx/xxxx, as we require latest 24 months comment history.    
xx 9208050 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) TIL document is not hand dated by the borrower.    
xx 9208050 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Not all borrowers signed TIL (Lvl 2) TIL document is not signed by the borrower.    
xx 78328659 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 78328659 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 78328659 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) As per updated title report, the subject property is in second lien position. There is  Water/Sewer Lien on the subject property. Which was recorded on xx in favor of xx in the amount of $xx.
The subject property has located the State of PA. There is a risk of the property to be getting foreclosed due to above unpaid lien. This is not in State where property may get foreclosed due to above unpaid lien.		    
xx 78328659 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) As per updated title report, the subject property is in second lien position. There is  Water/Sewer Lien on the subject property. Which was recorded on xx in favor of xx in the amount of $xx.
The subject property has located the State of PA. There is a risk of the property to be getting foreclosed due to above unpaid lien.		    
xx 78328659 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 3) MI certificate is missing in the loan file.    
xx 78328659 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) The chain of assignment is incomplete as there is a break in chain of assignment from xx to xx.    
xx 78328659 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 9499646 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Collection comments are available from xx/xx/xxxx toxx/xx/xxxx. Missing from xx/xx/xxxx to xx/xx/xxxx, as we require 24 months Collection comments.    
xx 9499646 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing in the file    
xx 9499646 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) HUD-1 along with itemization and estimated hud is missing in the loan file.    
xx 22411986 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 22411986 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 22411986 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Data Edit Data Edit Active B * Litigation (Lvl 3) As per servicing comment dated on xx/xx/xxxx, litigation was initiated on the loan for the bankruptcy motion to avoid lien. There is no information found regarding the litigation was resolved or not.    
xx 22411986 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application is missing from the loan file.    
xx 22411986 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) MI certificate is missing from the loan file.    
xx 22411986 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 97591754 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 97591754 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 97591754 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Data Edit Data Edit Active B * Foreclosure Delay or Contested (Lvl 3) As per collection comments dated xx/xx/xxxx, open contested matter found and review of it was completed on xx/xx/xxxx. However, no resolution information found in comments.    
xx 97591754 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) Chain of assignment is incomplete. There is break in assignment from xx to xx. Currently, the assignment is with xx recorded on xx. It should be with xx.    
xx 59457263 xx 561 561-882 xx Non-QM QC Complete Nebraska xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 59457263 xx 561 561-882 xx Non-QM QC Complete Nebraska xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 59457263 xx 561 561-882 xx Non-QM QC Complete Nebraska xx Valuation LTV Active B * LTV or CLTV exceeds 104% (Lvl 2) As per appraisal report, the appraised value is xx which is less than original loan amount xx. Hence, the CLTV value exceeds 100% which is xx%.    
xx 59457263 xx 561 561-882 xx Non-QM QC Complete Nebraska xx Valuation Valuation Active B * Property Damage (Lvl 3) As per inspection report dated xx/xx/xxxx, the roof and front window of the subject property was damaged. There was a leakage through the roof and window was broken down. There is need of replacement of the roof. The estimated amount of repair is in the amount of $9,500.00. There are no evidences found in the file that confirm whether the repairs are done to the property.    
xx 59457263 xx 561 561-882 xx Non-QM QC Complete Nebraska xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application is missing from the loan file.    
xx 59457263 xx 561 561-882 xx Non-QM QC Complete Nebraska xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Servicing comments are available from xx/xx/xxxx to xx/xx/xxxx in the loan file. However, we require latest 24 months comments history. Servicing comments are missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 59457263 xx 561 561-882 xx Non-QM QC Complete Nebraska xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) )
The finance charge is xx. The disclosed finance charge of xx is not considered accurate because it is
understated by more than $100.This loan failed the TILA foreclosure rescission finance charge test. ( 12 CFR §1026.23(h) , transferred from 12 CFR
§226.23(h) )
The finance charge is xx. The disclosed finance charge of xx is not considered accurate for purposes of
rescission because it is understated by more than $35.
FAIL
This loan failed the TILA APR test. ( 12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4) )
The annual percentage rate (APR) is 11.987%. The disclosed APR of 9.920% is not considered accurate because		    
xx 59457263 xx 561 561-882 xx Non-QM QC Complete Nebraska xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) TILA Finance Charge Test: FAIL xx xx -xx.
TILA Foreclosure Rescission Finance Charge Test: FAILxx xx -xx.
TILA APR Test: FAIL 9.920% 11.987% -2.067%.
GSE (Freddie Mac public guidelines) Points and Fees Test: FAIL $5,273.65 $5,138.65 +$135.00
This loan failed the TILA finance charge test.
This loan failed the TILA foreclosure rescission finance charge test.
This loan failed the TILA APR test.		    
xx 25548377 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 25548377 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 25548377 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase risk indicator is moderate as loan is failing for State regulations.    
xx 25548377 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
xx 25548377 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Servicing comments are available from xx/xx/xxxx toxx/xx/xxxx. As we require latest 24 months collection comments for review, the comments are missing from xx/xx/xxxx till xx/xx/xxxx.    
xx 25548377 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the grace period test.
The loan has a grace period that does not conform to the requirements for the lender's license type in the state where the
property is located.
Grace Period Test: FAIL 10 Days 15 Days -5 Days		    
xx 74929954 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 74929954 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 74929954 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 2) As per updated title report dated xx/xx/xxxx, 2nd installment of county taxes for the xx year are delinquent in the amount of xx which was due on xx.    
xx 74929954 xx 561 561-882 xx Non-QM QC Complete Virginia xx Valuation Valuation Active B * Property Damage (Lvl 3) As per BPO report xx/xx/xxxx, repair is needed to the roof of the subject property. The estimated amount of repair is in the amount of $6,000.00. As per latest servicing comment, no damage pertaining to the subject property was observed. Hence, unable to determine whether the repair has been completed.    
xx 74929954 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) As per review of comment history, the available comment history is from xx/xx/xxxx toxx/xx/xxxx. However, we require latest 24 months comment history. The collection comments are missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 74929954 xx 561 561-882 xx Non-QM QC Complete Virginia xx NPL NPL Active B * Payment History is not Complete (Lvl 3) As per review of Payment history, the available payment history is from xx/xx/xxxx toxx/xx/xxxx. But we require the payment history of latest 12 months. The payment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 74929954 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application is missing from loan file.    
xx 74929954 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Result   Loan Data  Comparison Data   Variance
TILA Finance Charge Test: FAIL xx xx -xx
TILA Foreclosure Rescission Finance Charge Test: FAIL xx  xx -xx
TILA APR Test: FAIL 7.765% 9.473% -1.708%
This loan failed the TILA finance charge test.
This loan failed the TILA foreclosure rescission finance charge test.		    
xx 74929954 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.
The finance charge is xx. The disclosed finance charge of xx is not considered accurate because it is
understated by more than $100.
This loan failed the TILA foreclosure rescission finance charge test. ( 12 CFR §1026.23(h) , transferred from 12 CFR
§226.23(h) )
The finance charge is xx. The disclosed finance charge of xx is not considered accurate for purposes of
rescission because it is understated by more than $35.
FAIL
This loan failed the TILA APR test. ( 12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4) )
The annual percentage rate (APR) is 9.473%. The disclosed APR of 7.765% is not considered accurate because it is more than
1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.		    
xx 19897602 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 19897602 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 19897602 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Valuation Valuation Active B * Property Damage (Lvl 3) As per BPO report dated xx/xx/xxxx, the subject property is needed to repair to fix the peeling paint. The estimated amount of repair is in the amount of xx. There is no comment found whether the repair has been completed.    
xx 19897602 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Data Edit Data Edit Active B * Foreclosure Delay or Contested (Lvl 2) As per comment dated xx/xx/xxxx, the borrower had rejected the forbearance plan and was requesting to waive attorney fees/cost as well as late fees in the amount of $1,744.34. The borrower had also filed a counterclaim.
Also, as per comment dated xx/xx/xxxx, the borrower was disputing for the payments which were due and was supposed to be paid in the repayment plan with the prior servicer.
The attorney has confirmed that the foreclosure can be proceded because the borrower and his attorney has not even acknowledged their delinquency. Motion for a summary of judgment was filed on xx and hearing was filed on xx. Judgment for foreclosure was entered on xx.		    
xx 19897602 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) GSE (Fannie Mae public guidelines) Prepayment Penalty Term
Test:FAIL
This loan failed the prepayment penalty term test. (Fannie Mae 2006 Selling Guide, Part IV, 201.02)
The loan charges a prepayment penalty with a term exceeding 3 years.		    
xx 44956618 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 44956618 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 44956618 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Title Review Active B * Title Rvw shows prop. owner of record is not borr. (Lvl 2) As per Warranty Deed dated xx and recorded on xx, the subject property ownership was in the name of xx and xx. The subject mortgage was also signed by xx and xx. 
There is no evidence found in the loan file stating that the property has been transferred to xx. 
However, Pro-Title dated xx/xx/xxxx shows the current property owner as xx.		    
xx 44956618 xx 561 561-882 xx Non-QM QC Complete Virginia xx Valuation LTV Active B * LTV or CLTV exceeds 104% (Lvl 2) As per appraisal report dated xx, the appraised value is xx which is less than the loan amount xx. Hence, CLTV exceeds xx% which is xx%.    
xx 44956618 xx 561 561-882 xx Non-QM QC Complete Virginia xx Valuation Property Active B * Property Damage (Lvl 2) As per comment dated xx/xx/xxxx, the roof of the subject property was damaged. The estimated amount of damage was not provided in the collection comment. However, as per BPO report dated xx/xx/xxxx, there is no damage found to the subject property.    
xx 44956618 xx 561 561-882 xx Non-QM QC Complete Virginia xx Legal Docs Legal Docs Active B * Updated title review shows IRS / vehicle / federal / personal tax liens (Lvl 2) As per Pro-Title report dated xx/xx/xxxx, there is an IRS lien against the borrower xx in the favor of xx in the amount of xx which was recorded on xx.    
xx 44956618 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Comment history is available from xx/xx/xxxx to xx/xx/xxxx in the loan file. However, the comment history is missing from xx/xx/xxxx to xx/xx/xxxx as we require the latest 24 months comment history.    
xx 44956618 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application is missing in the loan file.    
xx 44956618 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing in the loan file.    
xx 44956618 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index value is unable to determine from the loan file.    
xx 44956618 xx 561 561-882 xx Non-QM QC Complete Virginia xx Legal Docs Doc Issue Active B * Condo / PUD rider Missing (Lvl 2) PUD rider is missing in the loan file.    
xx 44956618 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the predatory lending guidance test due to one or more of the following findings:
The loan failed the allowable points and fees test
This loan failed the points and fees test. (Fannie Mae Lender Letter Ann. 06-04)
The points and fees charged to the borrower exceed the greater of 5% of the mortgage amount or $1,000.
This loan failed the points and fees test. (Freddie Mac Industry Letter xx/xx/xxxx)
The points and fees charged to the borrower exceed 5% of the mortgage amount, or $1,000 for mortgage amounts of xx or
less		    
xx 44956618 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) TILA APR Test: FAIL 10.513% 10.100% +0.413%
GSE (Fannie Mae public guidelines) Predatory Lending
Guidance:
FAIL
GSE (Fannie Mae public guidelines) Points and Fees Test: FAIL xx xx +$150.00
GSE (Freddie Mac public guidelines) Points and Fees Test: FAIL xx xx +$150.00
This loan failed the TILA APR test.
This loan failed the predatory lending guidance test due to one or more of the following findings:
This loan failed the points and fees test. (Fannie Mae Lender Letter Ann. 06-04)		    
xx 21915674 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 21915674 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) IN License Validation Test: FAIL    
xx 21915674 xx 561 561-882 xx Non-QM QC Complete Indiana xx NPL NPL Active B * Payment History is not Complete (Lvl 3) Payment history is available from xx/xx/xxxx to xx/xx/xxxx, xx/xx/xxxx to xx/xx/xxxx and xx/xx/xxxx till xx/xx/xxxx, however, we require recent 12 months payment history. The payment history from xx/xx/xxxx to xx/xx/xxxx is missing in the loan file.    
xx 21915674 xx 561 561-882 xx Non-QM QC Complete Indiana xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 21915674 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The comments history is available from xx/xx/xxxx to xx/xx/xxxx, however, we require complete 24 months collection comments. Collection comment is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 21915674 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) The final TIL is not hand dated by borrower.    
xx 21915674 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active B * ComplianceEase Exceptions Test Failed (Lvl 2) This loan failed the Indiana license validation test.
Indiana House Enrolled Act 1359 requires the Indiana Department of Financial Institutions to begin regulation of both first and subordinate lien mortgage lending under the First Lien Mortgage Lending License and Subordinate Lien Mortgage Lending License. As a result, lenders will no longer be allowed to make loans under the Indiana Unregulated (1st Lien), Unregulated UCCC, Consumer Loan License, Consumer Loan License UCCC, or the Exemption Letter UCCC.		    
xx 76732548 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 76732548 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 76732548 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) As per updated title report, there is a  HOA lien on the subject property in the amount of $xx and was recorded on xxin the favor of xx. The subject mortgage is located State of Texas, which is a super lien state. There is a risk of the property to be getting foreclosed due to above unpaid liens.    
xx 76732548 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) Subject mortgage is in second lien position. As there is a HOA lien on the subject property in the amount of $xx and was recorded on xx in the favor of xx    
xx 76732548 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 3) As per updated title report there is annual county taxes delinquent for the year xx unpaid until xx  for the amount of xx.    
xx 76732548 xx 561 561-882 xx Non-QM QC Complete Texas xx Valuation Property Active B * Subject property is located in a FEMA designated disaster area (recent). (Lvl 3) As per comment dated on xx/xx/xxxx shows the FEMA disaster was occurred in Texas on xx and will expire in xx. However, the subject property is located in a FEMA designated disaster area (recent).    
xx 76732548 xx 561 561-882 xx Non-QM QC Complete Texas xx Valuation Property Active B * Property Damage (Lvl 3) As per servicing comment dated xx/xx/xxxx, the subject property was damaged on xx/xx/xxxx. However, nature of the damage is unable to determine. The borrower received the claim amount of xx. No further details regarding the damage were found.    
xx 76732548 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * Operative Index Numerical Value Unavailable based on lender docs (Lvl 2) Operative index numerical value is unable to determine from the given lenders documents.    
xx 76732548 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 23739152 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 23739152 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 23739152 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by th borrower.    
xx 23739152 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) Mortgage Insurance Cert was not located in the loan file.The LTV is xx%    
xx 23739152 xx 561 561-882 xx Non-QM QC Complete Ohio xx Legal Docs Doc Issue Active B * Title policy missing (Lvl 3) The final title policy at the time of the origination is missing from the loan file, however there is title commitment is present and updated the same.    
xx 23739152 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comments are available from xx/xx/xxxx toxx/xx/xxxx, we need latest 24 months comments for review. The comments are missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 23739152 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Title Review Active B * Active State Tax Lien Judgement. (Lvl 2) There are 2 state tax liens against the borrower  as:-
1) in the amount of $xx with xx. of Taxation recorded on xx
2) in the amount of $xx with xx. of Taxation recorded on xx		    
xx 23739152 xx 561 561-882 xx Non-QM QC Complete Ohio xx Modification Doc Issue Active B * Loan appears modified. Mod missing or unexecuted (Lvl 4) This is conventional fixed rate mortgage with P&I of $1,621.73 with the rate of interest 11.17% and a maturity date of xx. The P&I as per payment history (and tape data is also supports payment history) is the $996.74 and rate of interest is 5.250 %, however, there is a reduction in P&I and rate of interest with respect to Note data which seems that there would be a possible modification. And the modification document is missing from the loan file.    
xx 38609905 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 38609905 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 38609905 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Comment history is available from xx/xx/xxxx toxx/xx/xxxx. However, as we require latest 24 months history. Missing comment history is from xx/xx/xxxx to xx/xx/xxxx.    
xx 38609905 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index value unable to confirm from the available loan file.    
xx 38609905 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx NPL NPL Active B * Payment History is not Complete (Lvl 3) Payment history is available from xx/xx/xxxx toxx/xx/xxxx. However, as we require latest 12 months history. Missing payment history is from xx/xx/xxxx to xx/xx/xxxx.    
xx 38609905 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 21356611 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 21356611 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 21356611 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Legal Docs Doc Issue Active B * Missing required 1-4 family rider (Lvl 3) 1-4 family rider is missing from the loan file.    
xx 21356611 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) MI certificate is missing from the loan file.    
xx 21356611 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 85859207 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Comments are available from xx/xx/xxxx toxx/xx/xxxx. However, we require latest 24 months comments. Comments are missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 85859207 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Good Faith Estimate missing or unexecuted (Lvl 2) Good faith estimate is missing in the file.    
xx 85859207 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * ComplianceEase Exceptions Test Failed (Lvl 2) HOEPA Higher-Priced Mortgage Loan Test: FAIL Loan Data: xx% Comparison Data: xx% Variance: +0.329%
PA License Validation Test: FAIL		    
xx 85859207 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Initial Good Faith Estimate is Missing (Lvl 2) Initial good faith estimate is missing in the loan file.    
xx 85859207 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) MI Certificate is missing in the loan file.    
xx 85859207 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx NPL NPL Active B * Payment History is not Complete (Lvl 3) Payment history is available from xx/xx/xxxx toxx/xx/xxxx. However, we require latest 12 months payment history. Payment history is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 85859207 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the HOEPA higher-priced mortgage loan test.
This loan failed the Pennsylvania license validation test.		    
xx 85859207 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 78603535 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 78603535 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 78603535 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal Report is missing in the loan file.    
xx 78603535 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Legal Docs Title Issue Active B * Title issue (Lvl 3) xx    
xx 78603535 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 78603535 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Comment history is available from xx/xx/xxxx tillxx/xx/xxxx. We required latest 24 months comments history. Comments are missing from xx/xx/xxxx tillxx/xx/xxxx.    
xx 78603535 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) HOEPA Higher-Priced Mortgage Loan Test: FAIL  Loan Data:xx% Comparison Data: xx%  Variance: +0.097%
This loan failed the HOEPA higher-priced mortgage loan test.
Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the HOEPA higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher priced mortgage loans even if the additional conditions are met.		    
xx 78603535 xx 561 561-882 xx Non-QM QC Complete Kentucky xx NPL NPL Active B * Payment History is not Complete (Lvl 3) Latest payment history is available from xx/xx/xxxx tillxx/xx/xxxx. We required last 12 months payment history. Payment history is missing from xx/xx/xxxx tillxx/xx/xxxx.    
xx 71569809 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 71569809 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 71569809 xx 561 561-882 xx Non-QM QC Complete Michigan xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal is missing from the loan file.    
xx 71569809 xx 561 561-882 xx Non-QM QC Complete Michigan xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The  payment history is available from xx/xx/xxxx toxx/xx/xxxx. However, the payment history is missing from xx/xx/xxxx to xx/xx/xxxx as the latest 12 months history required.    
xx 71569809 xx 561 561-882 xx Non-QM QC Complete Michigan xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comments are available from xx/xx/xxxx to xx/xx/xxxx and from xx/xx/xxxx to xx/xx/xxxx. However, the comments are missing from xx/xx/xxxx to xx/xx/xxxx as the latest 24 months comments are required.    
xx 71569809 xx 561 561-882 xx Non-QM QC Complete Michigan xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 82095984 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 82095984 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 82095984 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Comment history is available from xx/xx/xxxx toxx/xx/xxxx, which is for 6 months. However, we require the complete 24 months comment history. Comment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 82095984 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active B * Operative Index Numerical Value Unavailable based on lender docs (Lvl 2) Operative Index Numerical Value is unavailable in the loan file.    
xx 82095984 xx 561 561-882 xx Non-QM QC Complete Illinois xx NPL NPL Active B * Payment History is not Complete (Lvl 3) Payment history is available from xx/xx/xxxx toxx/xx/xxxx, which is for 6 months. However, we require the complete 12 months payment history. Payment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 82095984 xx 561 561-882 xx Non-QM QC Complete Illinois xx Valuation Property Active B * Property Damage (Lvl 2) The BPO report dated xx/xx/xxxx states that, the subject property requires only discoloration repairs. The total estimated repair is in the amount of $500. However, as per latest comments, there are no damage or repairs found.    
xx 82095984 xx 561 561-882 xx Non-QM QC Complete Illinois xx Valuation Appraisal Active B * Variation in Parcel number(APN#) (Lvl 3) xx    
xx 95968877 xx 561 561-882 xx Non-QM QC Complete Mississippi xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 95968877 xx 561 561-882 xx Non-QM QC Complete Mississippi xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 95968877 xx 561 561-882 xx Non-QM QC Complete Mississippi xx Data Edit Data Edit Active B * Deceased Borrower(s) (Lvl 3) According to the updated title report dated xx/xx/xxxx, the borrower,xx was deceased on xx. However, no details regarding the death certificate or probate has been found in the collection comments.

.		    
xx 95968877 xx 561 561-882 xx Non-QM QC Complete Mississippi xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
xx 95968877 xx 561 561-882 xx Non-QM QC Complete Mississippi xx NPL NPL Active B * Payment History is not Complete (Lvl 3) Payment history is available from xx/xx/xxxx toxx/xx/xxxx. However, we require latest 12 months payment history. Payment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 95968877 xx 561 561-882 xx Non-QM QC Complete Mississippi xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by the borrower.    
xx 95968877 xx 561 561-882 xx Non-QM QC Complete Mississippi xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 95968877 xx 561 561-882 xx Non-QM QC Complete Mississippi xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) This loan failed the prepayment penalty term test.    
xx 48810565 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 48810565 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Title Review Active B * Title Rvw shows prop. owner of record is not borr. (Lvl 2) As per original note, Deed, final title policy, the borrower name is xx. However, the subject mortgage was recorded with incorrect last name of the borrower as ‘xx’ on xx.    
xx 48810565 xx 561 561-882 xx Non-QM QC Complete New York xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) A uniform appraisal report is missing from the loan file.    
xx 48810565 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Good Faith Estimate missing or unexecuted (Lvl 2) Final Good Faith Estimate is missing from the loan file.    
xx 48810565 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) Mortgage Insurance certificate is missing from the loan file.    
xx 48810565 xx 561 561-882 xx Non-QM QC Complete New York xx NPL NPL Active B * Payment History is not Complete (Lvl 3) Payment history is available from xx/xx/xxxx till xx/xx/xxxx, which is for 9 months only and missing from xx/xx/xxxx to xx/xx/xxxx, however,  as we require recent 12 months payment history.    
xx 48810565 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by the borrower.    
xx 48810565 xx 561 561-882 xx Non-QM QC Complete New York xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 48810565 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The comments history is available from xx/xx/xxxx to xx/xx/xxxx, however, we require complete 24 months collection comments. Collection comment is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 54152353 xx 561 561-882 xx Non-QM QC Complete Arkansas xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 54152353 xx 561 561-882 xx Non-QM QC Complete Arkansas xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 along with the Estimated HUD-1 and itemization is missing from the loan file.    
xx 54152353 xx 561 561-882 xx Non-QM QC Complete Arkansas xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 54152353 xx 561 561-882 xx Non-QM QC Complete Arkansas xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 54152353 xx 561 561-882 xx Non-QM QC Complete Arkansas xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) The appraisal is missing from the loan file.    
xx 54152353 xx 561 561-882 xx Non-QM QC Complete Arkansas xx Credit Doc Issue Active B * Application Missing (Lvl 2) The final 1003 is missing from the loan file.    
xx 54152353 xx 561 561-882 xx Non-QM QC Complete Arkansas xx Legal Docs Doc Issue Active B * Missing Title evidence (Lvl 4) The final title policy at the time of origination along with the preliminary title report / commitment is missing from the loan file.    
xx 54152353 xx 561 561-882 xx Non-QM QC Complete Arkansas xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The payment history is available from xx/xx/xxxx toxx/xx/xxxx, we need latest 12 months history for review, the history is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 54152353 xx 561 561-882 xx Non-QM QC Complete Arkansas xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comments are available from xx/xx/xxxx toxx/xx/xxxx, we need latest 24 months history for review. The servicing history is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 16192254 xx 561 561-882 xx Non-QM QC Complete Maryland xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report is missing in the loan file.    
xx 16192254 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Comments history is available from xx/xx/xxxx toxx/xx/xxxx, however, we require latest 24 months comments history. Comment history is missing from xx/xx/xxxx tillxx/xx/xxxx.    
xx 16192254 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 is missing in the loan file.    
xx 16192254 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 along with estimated HUD and itemization is missing in the loan file.    
xx 16192254 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing in the loan file.    
xx 16192254 xx 561 561-882 xx Non-QM QC Complete Maryland xx Legal Docs Doc Issue Active B * Missing Title evidence (Lvl 4) Final Title Policy is missing in the loan file. Commitment or Preliminary report also not found.    
xx 16192254 xx 561 561-882 xx Non-QM QC Complete Maryland xx NPL NPL Active B * Payment History is not Complete (Lvl 3) Payment history is available from xx/xx/xxxx tillxx/xx/xxxx (for 7 months only). However, we require recent 12 months payment history. Payment history is missing from xx/xx/xxxx tillxx/xx/xxxx.    
xx 16192254 xx 561 561-882 xx Non-QM QC Complete Maryland xx Valuation Property Active B * Property Damage (Lvl 2) Property inspection report dated xx/xx/xxxx shows, subject appears to be in average condition from exterior inspection. However Roof shingle repair need to be done. Estimated exterior repair cost in the amount of $3,200.    
xx 16192254 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * Operative Index Numerical Value Unavailable based on lender docs (Lvl 2) The operative index is unavailable in the loan documents.    
xx 47967563 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 47967563 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 47967563 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Legal Docs Doc Issue Active B * Amount of title insurance is less than mortgage amount (Lvl 3) As per final title policy, the amount of insurance is in the amount of xx which is less then principle balance xx stated on Note.    
xx 47967563 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 2) xx year county taxes of xx are delinquent.    
xx 47967563 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase risk indicator is "Moderate" as the loan is failed for TILA test.    
xx 47967563 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 is available in the loan file however, the given loan amount xx is not matching with the loan amount xx mentioned in the original Note. All the data in final 1003 are written in hand.
The values are updated as per the unexecuted copy of 1003 .		    
xx 47967563 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by borrower.    
xx 47967563 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 47967563 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test & TILA Foreclosure Rescission Finance Charge Test.    
xx 47967563 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Updated collection comment history is available in the file from xx/xx/xxxx toxx/xx/xxxx however, we require latest 24 months comment history; Collection comments are missing from the file from xx/xx/xxxx toxx/xx/xxxx.    
xx 47967563 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx NPL NPL Active B * Payment History is not Complete (Lvl 3) Updated payment history is available in the file from xx/xx/xxxx toxx/xx/xxxx however, we require latest 12 months payment history; Payment history is missing from the file from xx/xx/xxxx toxx/xx/xxxx.    
xx 54435709 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 54435709 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 54435709 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx NPL NPL Active B * Payment History is not Complete (Lvl 3) Payment history is available from xx/xx/xxxx till xx/xx/xxxx, which is for 8 months only and missing from xx/xx/xxxx to xx/xx/xxxx, however, as we require recent 12 months payment history.    
xx 54435709 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by the borrower.    
xx 54435709 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 54435709 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The comments history is available from xx/xx/xxxx to xx/xx/xxxx, however, we require complete 24 months collection comments. Collection comment is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 89092498 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 89092498 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 2) As per the updated title report, the xx Combined 1st half taxes are delinquent as of xx in the amount of xx.  The xx Combined 2nd half taxes are due by xx in the amount of xx.    
xx 89092498 xx 561 561-882 xx Non-QM QC Complete Indiana xx NPL NPL Active B * Evidence in the file shows the property was surrendered to the courts/trustee (Lvl 2) As per the chapter xx plan (Case #xx) filed on xx debtor intended to surrender the subject property. The scheduled value of the property at the time of filing was xx. The case was dismissed on xx as debtor failed to comply with the order. Also, the property is vacant as per the recent BPO report.
However, as per the latest Updated title report dated xx and tax certificate records the borrower, xx is still the owner of the property.		    
xx 89092498 xx 561 561-882 xx Non-QM QC Complete Indiana xx Legal Docs Doc Issue Active B * Title policy missing (Lvl 3) Final Title Policy at origination is missing from loan file.  The Title Commitment was provided.    
xx 89092498 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Missing 16 months servicing comments from prior servicer to complete a full 24 month review.  Servicing Comments provided from current servicer are dated from xx/xx/xxxx txx/xx/xxxx.    
xx 89092498 xx 561 561-882 xx Non-QM QC Complete Indiana xx NPL NPL Active B * Payment History is not Complete (Lvl 3) Missing 4 months payment history from prior servicer to complete a 12 month review.  Payment history provided from current servicer is dated from xx/xx/xxxx toxx/xx/xxxx.    
xx 89092498 xx 561 561-882 xx Non-QM QC Complete Indiana xx Valuation Appraisal Active B * Property is vacant (Lvl 3) Servicing Comment dated xx/xx/xxxx reflects the subject property is vacant and secured.  BPO report was not available in the loan file.    
xx 78513122 xx 561 561-882 xx Non-QM QC Complete Mississippi xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 78513122 xx 561 561-882 xx Non-QM QC Complete Mississippi xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 78513122 xx 561 561-882 xx Non-QM QC Complete Mississippi xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Missing 9 months Servicing Comments from prior servicer to complete a full 24 month review.  Servicing Comments provided from current servicer are dated from xx/xx/xxxx toxx/xx/xxxx.    
xx 78513122 xx 561 561-882 xx Non-QM QC Complete Mississippi xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) Review of updated title report dated xx/xx/xxxx shows the subject mortgage was originated on xx with MERS as nominee for xx and was recorded on xx.  Chain of the assignment reflects a break in the chain.  The first assignment was from xx recorded xx.  The next assignment was from xx to xx fka xx recorded xx.  The latest assignment was from xx., Successor by Merger to xx, not in Its Individual Capacity But Solely as xx recorded xx.  A Gap Assignment is needed to correct the issue.    
xx 78513122 xx 561 561-882 xx Non-QM QC Complete Mississippi xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The loan was modified on xx. The combined principal balance was $xx of which $xx of the principal balance was permanently forgiven.  The new principal balance of the modification is $xx.    
xx 28270780 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 28270780 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 28270780 xx 561 561-882 xx Non-QM QC Complete Minnesota xx NPL NPL Active B * Payment History is not Complete (Lvl 3) Payment history available from xx/xx/xxxx toxx/xx/xxxx. However, require latest 12 months history and missing payment history from xx/xx/xxxx toxx/xx/xxxx.    
xx 28270780 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 28270780 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Servicing comments available from xx/xx/xxxx toxx/xx/xxxx. However, require 24 months history and missing servicing comments from xx/xx/xxxx toxx/xx/xxxx.    
xx 28270780 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 46181986 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 46181986 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 46181986 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) As per Lender Guidelines MI cert is required for the subject mortgage as LTV is xx%, but it is missing from the Loan File.    
xx 46181986 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Comment History is available from xx/xx/xxxx toxx/xx/xxxx (for 14 months). However, required latest 24 months comment history. Comments are missing from xx/xx/xxxx tillxx/xx/xxxx.    
xx 96553084 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 96553084 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 96553084 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) Pro-Title report dated xx/xx/xxxx, there is an active HOA lien on subject property recorded on xx in favor of xx. for the amount of $xx.
Subject property is located in the state of Texas. There is a risk of property may get foreclosed due to above unpaid lien.		    
xx 96553084 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) The subject mortgage lien position is changed to second due to an Hoa lien of $xx in the favor of xx recorded on xx is active against the property. The property may get foreclosed in the liens remains unpaid.    
xx 96553084 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Comment history from xx/xx/xxxx toxx/xx/xxxx is available and history from xx/xx/xxxx toxx/xx/xxxx is missing. However, we require latest 24-month comment history    
xx 96553084 xx 561 561-882 xx Non-QM QC Complete Texas xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) Per modification agreement made on xx, the new principal balance is xx. The lender has forgiven principal amount in the amount of $xx, which is exceeding 2% of modification amount.    
xx 74985615 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) Loan Data  Comparison Data  Variance
Prohibited Fees Test: FAIL   $601.55               $0.00          +$601.55
This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test.
( N.J.S.A §17:11C-23, N.J.A.C. § §3:1-16.2 )
The loan does charge fee(s) not provided for in this act, which is prohibited.
A person licensed as a mortgage broker shall have the right to charge only the following fees: (1) application fee; and (2)
discount points which may be labeled as an origination fee.		    
xx 74985615 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1) loan over 3 yrs    
xx 74985615 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1) loan over 3 yrs    
xx 74985615 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The comment history is available from xx/xx/xxxx toxx/xx/xxxx, however we need latest 24 months comment history for review. The history is missing from xx/xx/xxxx toxx/xx/xxxx    
xx 74985615 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The New principal balance as per modification is xx  and the amount forgiven is $xx, which exceeds 2% of the principal balance.    
xx 74985615 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The risk indicator is "Moderate" as This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test.    
xx 74985615 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Valuation Valuation Active B * Property Damage (Lvl 2) The servicing comment dated xx/xx/xxxx says, there was a gas leakage and borrower had repaired it. No cost of repair is mentioned in the servicing comments.Latest BPO report dated xx/xx/xxxx shows no repairs or damages.    
xx 3960085 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 3960085 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 3960085 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Comment history is available from xx/xx/xxxx till xx/xx/xxxx, which is for 18 months. However, comment history is missing from xx/xx/xxxx till xx/xx/xxxx, as we require latest 24 months comment history.    
xx 3960085 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) Grace Period Test: FAIL 10 Days 15 Days -5 Days.
Late Fees Test: FAIL 6.000% 5.000% +1.000%		    
xx 3960085 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Credit Title Review Active B * Active Judgment Against Borrower (Lvl 3) There is one senior civil judgment against the xx in the amount of $484.50 and was recorded on xx, in favor of xx.    
xx 3960085 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the grace period test.
This loan failed the late fees test.		    
xx 9932676 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report is missing in the loan file. The values are considered from tape data.    
xx 9932676 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final Application is missing in the loan file.    
xx 9932676 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 along with estimated HUD and itemization is missing in the loan file.    
xx 9932676 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing in the loan files.    
xx 9932676 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 49068583 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 49068583 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active A * ComplianceEase State Regulations Test Incomplete (Lvl 1)      
xx 49068583 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 49068583 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing in the loan file.    
xx 49068583 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by borrower, however date printed on notice is a note date.    
xx 49068583 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 70694906 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 70694906 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 70694906 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application is missing in the loan file however values are updated as per original note.    
xx 70694906 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Loan failed TILA Finance Charge Test. Loan Data xx; Comparison Data xx; Variance -$67,810.21
Loan failed TILA Foreclosure Rescission Finance Charge Test. Loan Data xx; Comparison Data xx; Variance -$67,810.21
Loan failed TILA APR Test.		    
xx 70694906 xx 561 561-882 xx Non-QM QC Complete Virginia xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) The chain of assignment is incomplete as there is a break in chain of assignment from xx to xx.    
xx 70694906 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.
The finance charge is xx. The disclosed finance charge of xx is not considered accurate because it is understated by more than $100.

This loan failed the TILA foreclosure rescission finance charge test.
The finance charge is xx. The disclosed finance charge of xx is not considered accurate for purposes of rescission because it is understated by more than $35.

This loan failed the TILA APR test. The annual percentage rate (APR) is 11.179%. The disclosed APR of 9.638% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.		    
xx 60989059 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 60989059 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 60989059 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 2) As per ProTitle report, the Prior Year Taxes Are Delinquent. The total delinquent amount is 3078.45 and xx county taxes, the 1st installment was delinquent in the amount of $543.75 which was due on xx. The total amount of delinquent taxes is $3,622.30.    
xx 60989059 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final Application is missing in the loan file.    
xx 60989059 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing in the loan file.    
xx 60989059 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the predatory lending guidance test due to one or more of the following findings:
The loan failed the allowable points and fees test.

This loan failed the points and fees test.
The points and fees charged to the borrower exceed the greater of 5% of the mortgage amount or $1,000.

GSE (Fannie Mae public guidelines) Points and Fees Test: Loan Data $6,420.98, Comparison Data $6,270.98, Variance +$150.00		    
xx 60989059 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA APR test.
The annual percentage rate (APR) is 8.025%. The disclosed APR of 0.000% is not considered accurate because it is more than
1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.		    
xx 21807658 xx 561 561-882 xx Non-QM QC Complete Colorado xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 21807658 xx 561 561-882 xx Non-QM QC Complete Colorado xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 21807658 xx 561 561-882 xx Non-QM QC Complete Colorado xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) As per updated title report, there are two Water/Sewer Liens found open on the subject property recorded on xx in favor of xx And County of xx in the amount of $xx and $xx. The subject property is located in the State of Colorado which is super lien state. There is a risk of the property getting foreclosed due to above unpaid lien. The risk of foreclosure can be avoided if these liens are paid off.    
xx 21807658 xx 561 561-882 xx Non-QM QC Complete Colorado xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) As per updated title report, there are two Water /Sewer Liens on the subject property recorded on xx and xx in favor of xx And County of xx in the amount of $xx and $xx. The subject property is located in the State of Colorado which is super lien state.    
xx 21807658 xx 561 561-882 xx Non-QM QC Complete Colorado xx Valuation Valuation Active B * Property Damage (Lvl 3) As per BPO report dated xx/xx/xxxx the subject property is damaged and total estimated repair cost is in the amount of $9500.
1.Roof replacement $3000,
2.Front  porch replacement $1500,
3.Exterior vinyl paint and trimming $5000.		    
xx 21807658 xx 561 561-882 xx Non-QM QC Complete Colorado xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 21807658 xx 561 561-882 xx Non-QM QC Complete Colorado xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) MI Certificate is missing in the loan file.    
xx 21807658 xx 561 561-882 xx Non-QM QC Complete Colorado xx Legal Docs Legal Docs Active B * Updated title review shows IRS / vehicle / federal / personal tax liens (Lvl 2) Notice of Federal Tax lien against the borrower xx also known as xx in the amount of xx recorded on xx.
Another Notice of Federal Tax lien against the borrower in the amount of xx recorded on xx.		    
xx 21807658 xx 561 561-882 xx Non-QM QC Complete Colorado xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to determine an operative  index value since the supportive documents are missing from the loan file.    
xx 67929850 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 67929850 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 67929850 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL not hand dated by the borrower.    
xx 67929850 xx 561 561-882 xx Non-QM QC Complete Alabama xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 46532845 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 46532845 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 46532845 xx 561 561-882 xx Non-QM QC Complete Alabama xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) The incomplete copy of uniform appraisal report is available in the loan file, located at “xx”.    
xx 46532845 xx 561 561-882 xx Non-QM QC Complete Alabama xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) As per modification agreement was made on xx, the principal balance is $xx. However, as per servicing comment dated xx/xx/xxxx and the loan modification report located at “xx”, the mortgage debt was forgiven in the amount of $xx, which exceeds 2% of modification amount.    
xx 46532845 xx 561 561-882 xx Non-QM QC Complete Alabama xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) As per updated title report, the chain of the assignment is incomplete. However, the last assignment is from xx to xx which was recorded on xx. Missing assignment to xx.    
xx 46532845 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 46532845 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to determine an operative index value since the supportive documents are missing from the loan file.    
xx 97757593 xx 561 561-882 xx QM QC Complete Minnesota xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 97757593 xx 561 561-882 xx QM QC Complete Minnesota xx Legal Docs Legal Docs Active B * Servicing comments document is missing. (Lvl 3) Available servicing comments from xx/xx/xxxx tillxx/xx/xxxx. Latest 24 months comment is required. Missing comment history from xx/xx/xxxx to xx/xx/xxxx.    
xx 97757593 xx 561 561-882 xx QM QC Complete Minnesota xx Credit Doc Issue Active B * Good Faith Estimate missing or unexecuted (Lvl 2) Final GFE is missing from the loan file.    
xx 97757593 xx 561 561-882 xx QM QC Complete Minnesota xx Compliance Compliance Active B * Homeownership Counselling Disclosure is missing. (Lvl 2) Homeownership Counseling disclosure missing in loan file.    
xx 97757593 xx 561 561-882 xx QM QC Complete Minnesota xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by borrowers.    
xx 97757593 xx 561 561-882 xx QM QC Complete Minnesota xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) TIL is not hand dated by borrower.    
xx 52070790 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 52070790 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 52070790 xx 561 561-882 xx Non-QM QC Complete Georgia xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 52070790 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application is missing from the file.    
xx 52070790 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Not all borrowers signed TIL (Lvl 2) Final TIL is not signed by borrower.    
xx 52070790 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.
The finance charge is xx. The disclosed finance charge of xx is not considered accurate because it is understated by more than $100.
This loan failed the TILA foreclosure rescission finance charge test
The finance charge is xx. The disclosed finance charge of xx is not considered accurate for purposes of rescission because it is understated by more than $35.
This loan failed the TILA APR test
The annual percentage rate (APR) is 11.690%. The disclosed APR of 11.050% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.		    
xx 52070790 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA finance charge test.
This loan failed the TILA foreclosure rescission finance charge test
This loan failed the TILA APR test		    
xx 52070790 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) TIL is not hand dated by borrower.    
xx 85671873 xx 561 561-882 xx Non-QM QC Complete Mississippi xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 85671873 xx 561 561-882 xx Non-QM QC Complete Mississippi xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 85671873 xx 561 561-882 xx Non-QM QC Complete Mississippi xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) The subject mortgage lien position went on second lien position. As there is one senior mortgage open found on the subject property in the amount of xx with xx. originated on xx and recorded on xx.    
xx 85671873 xx 561 561-882 xx Non-QM QC Complete Mississippi xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) Updated Title report dated xx/xx/xxxx shows there is one senior mortgage open found on the subject property in the amount of xx with xx. originated on xx and recorded on xx.
Final Hud-1/ settlement statement shows above said mortgage payoff in the amount of xx.
Final title policy at origination does not shows any exception for the senior mortgage, it shows clear. Possible claim can be filed.		    
xx 85671873 xx 561 561-882 xx Non-QM QC Complete Mississippi xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase Risk Indicator is Moderate due to TILA finance charge test failed and Foreclosure Rescission Finance Charge Test and prepayment penalty term test.    
xx 85671873 xx 561 561-882 xx Non-QM QC Complete Mississippi xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) Final ROR is not Hand Dated by the borrower.    
xx 85671873 xx 561 561-882 xx Non-QM QC Complete Mississippi xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not Hand Dated by Borrower.    
xx 85671873 xx 561 561-882 xx Non-QM QC Complete Mississippi xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.
The finance charge is xx. The disclosed finance charge of xx is not considered accurate because it is
understated by more than $100.
This loan failed the TILA foreclosure rescission finance charge test.
The finance charge is xx. The disclosed finance charge of xx is not considered accurate for purposes of
rescission because it is understated by more than $35.
This loan failed the prepayment penalty term test.
The loan charges a prepayment penalty with a term exceeding 3 years		    
xx 85671873 xx 561 561-882 xx Non-QM QC Complete Mississippi xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 26401548 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 26401548 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 26401548 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) 1. This loan failed the predatory lending guidance test due to one or more of the following findings:

The loan failed the allowable points and fees test.
The loan exceeds the HOEPA APR threshold for primary residences.
The loan exceeds the HOEPA points and fees threshold for primary residences.

2. This loan failed the points and fees test. (Fannie Mae Lender Letter Ann. 06-04)

The points and fees charged to the borrower exceed the greater of 5% of the mortgage amount or $1,000.		    
xx 26401548 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) CE risk indicator is failed as the loan exceeds the HOEPA points and fees threshold for primary residences; failed for interest rate test and brokerage/finder fee test.    
xx 26401548 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) MI certificate is missing from the loan file as the LTV of the subject loan is exceeded xx    
xx 26401548 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) The chain of assignment is incomplete as there is a break in chain of assignment from xx to xx.    
xx 26401548 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) The final TIL is not hand dated by borrower.    
xx 26401548 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) The ROR is not hand dated by borrower.    
xx 57538213 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 57538213 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 57538213 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by borrower.    
xx 57538213 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) MI certificate is missing in the loan file.    
xx 98246279 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 98246279 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 98246279 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * Operative Index Numerical Value Unavailable based on lender docs (Lvl 2) The operative index value is unable to confirm from the lender's provided documents.    
xx 98246279 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Legal Docs Title Issue Active B * Title issue (Lvl 3) The successor's and assignee's clause is missing in the short form title policy.    
xx 68775829 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Title Rvw shows prop. owner of record is not borr. (Lvl 3) As per the warranty deed dated xx and recorded mortgage, the subject property was vested in the name of xx. However, updated title report dated xx/xx/xxxx shows property ownership in the name of xx. No evidence or transfer deed was found stating that property has to be transferred to xx.    
xx 68775829 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal report is missing in the loan file.    
xx 68775829 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) As per Pro-Title report dated xx/xx/xxxx, chain of the assignment is not complete. Latest assignment as per updated title report is from xx.    
xx 68775829 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Legal Docs Legal Docs Active B * Updated title review shows IRS / vehicle / federal / personal tax liens (Lvl 2) As per Pro-Title report dated xx/xx/xxxx, there are two IRS liens against the borrower xx in the favor of xx in the total amount of  xx.    
xx 68775829 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 68775829 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final Application is missing in the loan file.    
xx 68775829 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 alongwith Estimated HUD-1 and Itemization is missing in the loan file.    
xx 68775829 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing in the loan file.    
xx 68775829 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Legal Docs Doc Issue Active B * Missing Title evidence (Lvl 4) Final Title Policy at origination is missing in the loan file and there is no commitment / preliminary report is available in the file either.    
xx 68775829 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing in the loan file.    
xx 49754170 xx 561 561-882 xx Non-QM QC Complete Kansas xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 49754170 xx 561 561-882 xx Non-QM QC Complete Kansas xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 49754170 xx 561 561-882 xx Non-QM QC Complete Kansas xx Valuation LTV Active B * LTV or CLTV exceeds 104% (Lvl 2) As per Appraisal report, the original appraised value is xx and the loan amount is xx, therefore, LTV shows xx%.    
xx 49754170 xx 561 561-882 xx Non-QM QC Complete Kansas xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) As per the loan modification agreement made on xx, the total balance of the loan is in the amount of xx. However, there is principal reduction alternative.The amount of $xx of the total balance of the loan is eligible for forgiveness and the remaining new principal balance is $xx.    
xx 49754170 xx 561 561-882 xx Non-QM QC Complete Kansas xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final Application is missing from the loan file.    
xx 49754170 xx 561 561-882 xx Non-QM QC Complete Kansas xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by borrower.    
xx 49754170 xx 561 561-882 xx Non-QM QC Complete Kansas xx Credit Doc Issue Active B * Not all borrowers signed TIL (Lvl 2) Final TIL is not signed by borrower.    
xx 49754170 xx 561 561-882 xx Non-QM QC Complete Kansas xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) The chain of assignment is incomplete as there is a break in chain of assignment from xx to xx.    
xx 49754170 xx 561 561-882 xx Non-QM QC Complete Kansas xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the late fees test.
The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is
located.		    
xx 49754170 xx 561 561-882 xx Non-QM QC Complete Kansas xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.  :Loan amount  xx Comparison data xx Variance -$158,519.57
The finance charge is xx. The disclosed finance charge of xx  is not considered accurate because it is understated by more than $100.

This loan failed the TILA foreclosure rescission finance charge test: Loan amount  xx Comparison data xx  Variance -$158,519.57
 The finance charge is xx. The disclosed finance charge of xx is not considered accurate for purposes of rescission because it is understated by more than $35.

This loan failed the TILA APR test: Loan amount  8.467% Comparison data 9.963% Variance -1.496%
The annual percentage rate (APR) isxx. The disclosed APR of xx is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.		    
xx 49754170 xx 561 561-882 xx Non-QM QC Complete Kansas xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA for TILA finance charge test, TILA foreclosure rescission finance charge test and TILA APR test.
This loan failed State Regulation for the late fees test.		    
xx 29735803 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 29735803 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 29735803 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report is missing in the loan file.    
xx 29735803 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Valuation Property Active B * Property Damage (Lvl 2) As per comment history dated xx/xx/xxxx, the bottom half of garage door is damaged. No further information on amount of damage and or repairs completed was found in the collection comments. No comment indicating claim for damage is found.
As per property inspection report dated xx/xx/xxxx, exterior condition are inspected and the subject property is in good condition with no damages reported. Property occupied by unknown party.		    
xx 29735803 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) MI certificate is missing in the loan file.    
xx 29735803 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 62148469 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 62148469 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 62148469 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) As per the updated title dated xx/xx/xxxx, prior mortgage is active in the amount of xx with xx recorded on xx.
Hence, the subject mortgage is in second lien position.		    
xx 62148469 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) The subject mortgage was originated on xx with xx recorded on xx. However, as per the updated title dated xx/xx/xxxx, prior mortgage is active in the amount of xx with xx recorded on xx. No release document was found in the loan file stating the mortgage has been released.
However, the HUD-1/Settlement statement shows payoff to "xx" in the amount of xx. Also, Scheduled B of final title policy does not reflect any exception for prior mortgage or liens.
The subject mortgage is not at risk by the prior unreleased lien. Possible title claim can be filed.		    
xx 62148469 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) The ROR document is not hand dated by the Borrower.    
xx 57118871 xx 561 561-882 xx QM QC Complete Ohio xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 57118871 xx 561 561-882 xx QM QC Complete Ohio xx Compliance Compliance Active A * ComplianceEase HOEPA Test Incomplete (Lvl 1)      
xx 57118871 xx 561 561-882 xx QM QC Complete Ohio xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 57118871 xx 561 561-882 xx QM QC Complete Ohio xx Credit Title Review Active B * Active State Tax Lien Judgement. (Lvl 2) As per updated title, there is active state tax lien/warrant against borrower which was recorded on xx in favor of xx.    
xx 57118871 xx 561 561-882 xx QM QC Complete Ohio xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Comments are available from xx/xx/xxxx toxx/xx/xxxx. However, we require latest 24 months comments. Comments are missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 57118871 xx 561 561-882 xx QM QC Complete Ohio xx Credit Doc Issue Active B * Good Faith Estimate missing or unexecuted (Lvl 2) Final GFE is missing in the loan file.    
xx 57118871 xx 561 561-882 xx QM QC Complete Ohio xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) MI certificate is missing in the loan file.    
xx 57118871 xx 561 561-882 xx QM QC Complete Ohio xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index value is unable to confirm since no supportive docs available in the file that reveal the index value.    
xx 86372776 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 86372776 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 86372776 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Title Review Active B * Title Rvw shows prop. owner of record is not borr. (Lvl 2) The subject mortgage was originated on xx with xx and the borrowers xx , however, the updated title report dated xx/xx/xxxx shows the property is vested only in the name of xx.    
xx 86372776 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Comment history is available from xx/xx/xxxx tillxx/xx/xxxx. However, we require latest 24 months of comment history. Comment history is missing from xx/xx/xxxx till xx/xx/xxxx.    
xx 86372776 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application is missing in the loan file.    
xx 86372776 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by the borrower.    
xx 15145129 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 15145129 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 15145129 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit DTI Active B * DTI > 60% (Lvl 2) As per final 1003 the total income of borrower is xx however, the total monthly expenses are xx  hence, DTI>xx%    
xx 15145129 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase risk indficator is Moderate due TILA Finance Charge Test: and TILA Foreclosure Rescission Finance Charge Test:    
xx 15145129 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan files.    
xx 15145129 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Property Active B * Subject property is located in a FEMA designated disaster area (recent). (Lvl 3) Subject property is located in a FEMA designated disaster area (recent).    
xx 15145129 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 15145129 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.
The finance charge is xx. The disclosed finance charge of xx is not considered accurate because it is
understated by more than $100.
This loan failed the TILA foreclosure rescission finance charge test.
The finance charge is xx. The disclosed finance charge of xxis not considered accurate for purposes of
rescission because it is understated by more than $35.		    
xx 15145129 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 19002629 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 19002629 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 19002629 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Legal Docs Title Issue Active B * Title issue (Lvl 3) Successor and assigns clause is missing in the final title policy. An addendum to the TPOL could be added to include Successor and assigns clause.    
xx 19002629 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the application fee test.    
xx 19002629 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the application fee test.
Application Fee Test:FAIL, Loan Data:xx, Comparison Data:xx,Variance:+$1,303.07.
The mortgage loan charges an application fee that is greater than $100.		    
xx 75917246 xx 561 561-882 xx Non-QM QC Complete Missouri xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 75917246 xx 561 561-882 xx Non-QM QC Complete Missouri xx Modification Write Down Active B * As per modification agreement lender has agreed to waive or forgive a large unpaid balance (Lvl 3) Collection comment dated xx  shows evidence of Streamline rate reduction and forgiveness amount. As per comment rate is to be reduce from xx  to xx or 5 year and then increase by 1.00% until 9.156%. Forgiveness amount is $24102.18. However no further information found whether same applied on loan or not. Borrower made last payment on xx for due date xx as per Note P&I $661.14 and rate 9.690 %.    
xx 75917246 xx 561 561-882 xx Non-QM QC Complete Missouri xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower however date is printed on Final TIL.    
xx 75917246 xx 561 561-882 xx Non-QM QC Complete Missouri xx Credit Doc Issue Active B * Legal Description missing (Lvl 3) Legal description is missing from Final title policy.    
xx 75917246 xx 561 561-882 xx Non-QM QC Complete Missouri xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) Loan is escrowed - This loan failed the HOEPA higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in xx.    
xx 75917246 xx 561 561-882 xx Non-QM QC Complete Missouri xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) MI cert is missing from the loan file.    
xx 75917246 xx 561 561-882 xx Non-QM QC Complete Missouri xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by the borrower however date is printed on ROR.    
xx 35841026 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 35841026 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 35841026 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan file.    
xx 35841026 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase risk indicator is moderate as loan is failing for the following reasons:
1) TILA Finance charge test
2) TILAoreclosure Rescission Finance charge test.
3) TILA Right of Rescission test.
4) Interest Rate Test		    
xx 35841026 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 application missing from the loan file.    
xx 35841026 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Legal Docs Note / Mod Active B * Lost Note Affidavit (Lvl 3) Lost note affidavit found from the loan file located at (xx) on page # xx.    
xx 35841026 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 35841026 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the interest rate test.
The loan has an interest rate that does not conform to the requirements for the lenders license type in the state where the property is located
Interest Rate Test : Loan data is xx% and allowed rate is 8.710%, Hence, the variance is +2.690%.		    
xx 35841026 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA Finance Charge Test is fail :Loan data is xx and allowed amount is xx, Hence, the variance is -$1438.05.    
xx 96984844 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 96984844 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 96984844 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by the borrower.    
xx 96984844 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The comment history is available from xx/xx/xxxx to xx/xx/xxxx which is 8 months collection comment. Comments are missing from xx/xx/xxxx to xx/xx/xxxx as we require 24 months servicing history.    
xx 96984844 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 79291645 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 79291645 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 79291645 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 79291645 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 79291645 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
xx 79291645 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index value is unable to confirm since no supportive docs available in the file that reveal the index value.    
xx 79291645 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 79291645 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * ROR Transaction date not consistent with Note and/or HUD (Lvl 2) The Note date is xx, however the ROR transaction date is xx    
xx 79291645 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Legal Docs Doc Issue Active B * Prepayment Rider Missing (Lvl 3) The Prepayment penalty rider to mortgage is missing from the loan file. However the prepayment penalty clause is included in the original Note.    
xx 79291645 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The risk indicator is Moderate because This loan failed the prepayment term test. This loan failed the xx or xx License prohibited fees test.    
xx 79291645 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comments are available from xx/xx/xxxx to xx/xx/xxxx, we need latest 24 months comments for review, the comments are missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 79291645 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the prepayment term test.
The loan has a prepayment term that does not conform to the requirements for the lender's license type in the state where the
property is located.
This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test.
( N.J.S.A §17:11C-23, N.J.A.C. § §3:1-16.2 )
The loan does charge fee(s) not provided for in this act, which is prohibited.
A person licensed as a mortgage broker shall have the right to charge only the following fees: (1) application fee; and (2)
discount points which may be labeled as an origination fee.		    
xx 57001679 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Property Active B * Property Damage (Lvl 2) Servicing comment dated xx/xx/xxxx shows that the damage was caused due to flood. Comment dated xx/xx/xxxx the flood caused damage to foundation and carpet, mold was growing and leak was coming from slab. The borrower filed claim due to flood loss on xx/xx/xxxx. Servicing comment dated xx/xx/xxxx shows that the sewer line repaired to solve water damage issue. Servicing comment dated xx/xx/xxxx also shows that the acual pipes were not covered reason behind that was that the pipes breaking had dened because of wear and tear. There was no actual disaster that caused the damages. Comment dated xx/xx/xxxx States that the adjustor from Force place Deem the damage as wear and tear is not covered by policy and Claims AVP said the damage was covered. However, no amount of damage is mentioned.    
xx 57001679 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Application Missing (Lvl 2) The final 1003 is not signed by the borrower.    
xx 57001679 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Application Not Signed by All Borrowers (Lvl 2) The final 1003 is not signed by the borrower.    
xx 57001679 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The loan modification agreement was made between xx(borrower) and xx. (lender) on xx. As per modification the combined principal balance was $xx, from which the lender has agreed to forgive $xx permanently. The amount forgiven exceeds 2% of the modification amount.    
xx 57001679 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 57001679 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Appraisal Active B * Variation in Parcel number(APN#) (Lvl 2) xx    
xx 46100263 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 46100263 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 46100263 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) As per appraisal report original LTV is xx% which is greater then xx%. Hence, MI certificate is required however, it is missing from the loan file.    
xx 46100263 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
xx 46100263 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Not all borrowers signed TIL (Lvl 2) Final TIL is not signed by the borrower.    
xx 46784353 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 46784353 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) MI Certificate is missing from the loan file.    
xx 48945187 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) The subject property went on other lien position as per updated title report dated xx/xx/xxxx there are two prior mortgage;
1) There is one prior mortgage found opened in the favor of xx record dated on xx in the amount of xx.
2) There is one more prior mortgage found opened in the favor of xx record dated on xx in the amount of xx.
Final HUD-1 and estimated HUD is missing from the loan file. There is no release or satisfaction document found in the loan files.
The final title policy at the origination does not shows any exception for the same. Possible claim can be filed.		    
xx 48945187 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) The subject property went on other lien position as per updated title report dated xx/xx/xxxx there are two prior mortgage;
1) There is one prior mortgage found opened in the favor of xx record dated on xx in the amount of xx.
2) There is one more prior mortgage found opened in the favor of xx record dated on xx in the amount of xx.
Final HUD-1 and estimated HUD is missing from the loan file. There is no release or satisfaction document found in the loan files.
The final title policy at the origination does not shows any exception for the same. Possible claim can be filed		    
xx 48945187 xx 561 561-882 xx Non-QM QC Complete Virginia xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan file.    
xx 48945187 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Title Review Active B * Active Judgment Against Borrower (Lvl 3) As per updated title report dated xx/xx/xxxx one active prior judgment found pending against borrower in the favor of xx record dated on xx in the amount of xx.    
xx 48945187 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application is missing from the loan file.    
xx 48945187 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 is missing from the loan file also estimated is not available.    
xx 48945187 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 3) ROR is missing from the loan file.    
xx 35615494 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Rvw shows prop. owner of record is not borr. (Lvl 2) As per note, recorded mortgage, Final TPOL and Quit Claim deed the owner was xx. However, the tax certificate is reflecting owner as xx. The subject address and parcel id from tax document are matching with a note, mortgages and  Final TPOL.    
xx 35615494 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) As per updated title dated xx/xx/xxxx, there are 4 HOA liens in the favor of Heron at the xx recorded on xx in the amount xx, recorded on xx in the amount of xx, recorded on xx in the amount of xx and in the favor of xx recorded on xx in the amount xx. The subject property has located the State of FL, which is a super lien state. There is a risk of the property to be getting foreclosed due to above unpaid lien.    
xx 35615494 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) The subject mortgage is on lower lien position as there are 4 HOA liens in the total amount of xx. The subject mortgage was originated on xx.    
xx 35615494 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report along with supporting document 1008 is missing in the loan file.    
xx 35615494 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 Application along with transmittal is missing in the loan file.    
xx 35615494 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) Final ROR is missing in the loan file.    
xx 35615494 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing in the loan file.    
xx 35615494 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) HUD-1  along with estimated HUD-1 and itemization is missing in the loan file.    
xx 35615494 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index value is unable to confirm in the available loan file.    
xx 35615494 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Property Active B * Subject property is located in a FEMA designated disaster area (recent). (Lvl 1) The subject property is located in a FEMA designated disaster area (recent). However, as per the collection comments received as of xx/xx/xxxx, no comments were found pertaining damage to the subject property.    
xx 3965423 xx 561 561-882 xx Non-QM QC Complete Colorado xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) A uniform appraisal report is missing in the loan file.    
xx 3965423 xx 561 561-882 xx Non-QM QC Complete Colorado xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 3965423 xx 561 561-882 xx Non-QM QC Complete Colorado xx NPL NPL Active B * POC Deadline is coming soon (Lvl 2) The borrower had filed bankruptcy under chapter xx with the case# xx on xx. The proof of claim is not filed yet. The deadline of proof of claim filing is set for xx.    
xx 3965423 xx 561 561-882 xx Non-QM QC Complete Colorado xx Credit Doc Issue Active B * Application Missing (Lvl 2) The final loan application is missing in the loan file.    
xx 3965423 xx 561 561-882 xx Non-QM QC Complete Colorado xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) The final TIL is missing in the loan file.    
xx 3965423 xx 561 561-882 xx Non-QM QC Complete Colorado xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) The HUD-1 along with Estimated HUD-1 and Itemization is missing in the loan file.    
xx 30691886 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal Report is missing in the loan file.    
xx 30691886 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final Settlement Statement is missing in the loan file. Itemization or Estimated Hud also not found.    
xx 30691886 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIl is missing in the loan file.    
xx 30691886 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing in the loan file.    
xx 551095 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 551095 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 551095 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 551095 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) Mortgage appraisal original LTV is xx% MI insurance certificate required but missing from the loan file.    
xx 551095 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR not hand dated by borrowers    
xx 551095 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Title Issue Active B * Title issue (Lvl 2) xx     
xx 551095 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The loan modification agreement was made between xx(borrowers) and xx (lender), on xx. As per modification agreement the Unpaid Principal Balance is $xx from which the lender has agreed to forgive $xx. This amount forgiven exceeds 2% of the amount modified.    
xx 92655422 xx 561 561-882 xx Non-QM QC Complete Missouri xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 92655422 xx 561 561-882 xx Non-QM QC Complete Missouri xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 92655422 xx 561 561-882 xx Non-QM QC Complete Missouri xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) As per ProTitle report, there is a break in assignment from xx.    
xx 92655422 xx 561 561-882 xx Non-QM QC Complete Missouri xx Legal Docs Legal Docs Active B * Updated title review shows IRS / vehicle / federal / personal tax liens (Lvl 2) As per ProTitle report, there is one IRS lien found open against the borrower in favor of xx for the amount of $xx which was recorded on xx.    
xx 92655422 xx 561 561-882 xx Non-QM QC Complete Missouri xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) MI Certificate is missing in the loan file.    
xx 92655422 xx 561 561-882 xx Non-QM QC Complete Missouri xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the first lien origination fee test.
The loan charges more than a 1% origination fee (whether from the buyer or the seller).
Origination Fee First Lien Test: Loan Data xx, Comparison Data xx, Variance +$3,232.00

This loan failed the origination fee and broker fee test.
The loan does not have DIDMCA preemption selected and the sum of the origination fee and all broker fees is greater than 1%. Origination Fee & Broker Fee Test: Loan Data xx, Comparison Data xx, Variance +$3,232.00		    
xx 92655422 xx 561 561-882 xx Non-QM QC Complete Missouri xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the first lien prohibited fees test.
The loan has fees that are prohibited for this license type.
Prohibited Fees First Lien Test: Loan Data xx, Comparison Data $0.00, Variance +$719.95		    
xx 95257126 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 95257126 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 95257126 xx 561 561-882 xx Non-QM QC Complete Texas xx Valuation Property Active B * Property Damage (Lvl 2) As per servicing comment dated xx/xx/xxxx shows hurricane damage flooding. However, no amount of damage is mentioned. Also, there is no comment which shows damage has been repaired or not.    
xx 95257126 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The Available servicing comments from date xx/xx/xxxx to xx/xx/xxxx which is incomplete. However, we require the latest 24 months collection comments. Comments are missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 64778457 xx 561 561-882 xx Non-QM QC Complete Nevada xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 64778457 xx 561 561-882 xx Non-QM QC Complete Nevada xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 64778457 xx 561 561-882 xx Non-QM QC Complete Nevada xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 64778457 xx 561 561-882 xx Non-QM QC Complete Nevada xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Comment history is available from xx/xx/xxxx to xx/xx/xxxx in the loan file. However, the comment history is missing from xx/xx/xxxx to xx/xx/xxxx as we require latest 24 months comment history.    
xx 64778457 xx 561 561-882 xx Non-QM QC Complete Nevada xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 68496539 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 68496539 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 68496539 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 2) As per updated title report, xx annual combined taxes were due in the amount of xx, hence this taxes are considered as delinquent.    
xx 68496539 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Comment history is available from xx/xx/xxxx to xx/xx/xxxx. We require latest 24 month comments history. Comments history is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 55861758 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 55861758 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 55861758 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
xx 55861758 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by the borrower.    
xx 55861758 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comments are available from xx/xx/xxxx to xx/xx/xxxx. However, the comments are missing from xx/xx/xxxx to xx/xx/xxxx as the latest 24 months comments are required.    
xx 45378230 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 45378230 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 45378230 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 2) As per Pro-Title Report dated xx/xx/xxxx, annual town taxes for the year xx is delinquent in the amount of xx which was due on xx and also annual county taxes for the year xx  is delinquent in the amount of xx which was due on xx.    
xx 45378230 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The comment history is available from xx/xx/xxxx till xx/xx/xxxx. However, we require latest 24 months of comment history. The comment history is missing from xx/xx/xxxx till xx/xx/xxxx.    
xx 3653089 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 3653089 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 3653089 xx 561 561-882 xx Non-QM QC Complete Texas xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal is missing from the loan file.    
xx 3653089 xx 561 561-882 xx Non-QM QC Complete Texas xx Data Edit Data Edit Active B * Deceased Borrower(s) (Lvl 3) According to the updated title report dated xx/xx/xxxx, the borrower,xx was deceased on xx. However, no details regarding the death certificate or probate has been found in the collection comments.

.		    
xx 3653089 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Collection comments are available from xx/xx/xxxx to xx/xx/xxxx. As we required latest 24 months comments for review, the comments are missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 3653089 xx 561 561-882 xx Non-QM QC Complete Texas xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD-1 is not signed by all the borrowers.    
xx 3653089 xx 561 561-882 xx Non-QM QC Complete Texas xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) The chain of assignment is incomplete as there is a break in chain of assignment from xx to xx.    
xx 90998773 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 90998773 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 90998773 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 90998773 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 90998773 xx 561 561-882 xx Non-QM QC Complete California xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Comment History is available from xx/xx/xxxx tillxx/xx/xxxx (for 12 months). However, required latest 24 months comment history. Comments are missing from xx/xx/xxxx till xx/xx/xxxx.    
xx 90998773 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase risk indicator is 'Moderate' due to TILA failed for Finance Charge Test and Foreclosure Rescission Finance Charge Test.    
xx 90998773 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) ComplianceEase TILA Test failed for Finance Charge Test. As per loan data Finance Charge is xx, however Comparison data is xx and Variance is -$165.00.
ComplianceEase TILA Test failed for Foreclosure Rescission Finance Charge Test. As per loan data Foreclosure Rescission Finance Charge isxx, however Comparison data is xx and Variance is -$165.00.		    
xx 90998773 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 is missing from the loan file    
xx 90998773 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD-1 is not signed by all the borrowers.    
xx 90998773 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * ROR Transaction date not consistent with Note and/or HUD (Lvl 2) ROR transaction date xx is different from Note Date xx.    
xx 41017758 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 41017758 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 41017758 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) As per updated title report  there is one open mortgage in the amount of xx in favor of xx Subject Mortgage is executed on xx and the recorded on xx.  No satisfaction or release document was found in the loan file stating the prior mortgage has been released.  HUD-1 / Settlement statement shows payoff to xx. As per the Final Title Policy, schedule B does not show any exception for prior Mortgage and Liens.    
xx 41017758 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) As per updated title report dated xx/xx/xxxx, The subject mortgage is in second lien position, as there is one open mortgage in the amount of xx in favor of xx dated on xx and recorded on xx Subject Mortgage is executed on xx and the recorded on xx.  No satisfaction or release document was found in the loan file stating the prior mortgage has been released.  HUD-1 / Settlement statement shows payoff to xx. As per the Final Title Policy, schedule B does not show any exception for prior Mortgage and Liens.    
xx 41017758 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Comment history is available from xx/xx/xxxx toxx/xx/xxxx. Comment history is missing from xx/xx/xxxx toxx/xx/xxxx. We require latest 24 months comment history.    
xx 41017758 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
xx 41017758 xx 561 561-882 xx Non-QM QC Complete Illinois xx Legal Docs Title Issue Active B * Title issue (Lvl 3) Name of insured is not mentions in the  final title policy.    
xx 41017758 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test
The finance charge is xx. The disclosed finance charge of xx is not considered accurate because it is
understated by more than $100.		    
xx 41017758 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA finance charge test
TILA Finance Charge Test: FAIL xx-$210.00		    
xx 9469048 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 9469048 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 9469048 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 2) As per the updated title report, xx, City annual taxes are delinquent for date xx.    
xx 9469048 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 9469048 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 9469048 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Collection comments are available from xx/xx/xxxx toxx/xx/xxxx. Comment history is missing from xx/xx/xxxx to xx/xx/xxxx as we require latest 24 months collection comments for review.    
xx 9469048 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Legal Docs Doc Issue Active B * Title policy missing (Lvl 3) Final title policy at the time of origination is missing from the loan file. Values are considered from the title commitment. Also, there is a title guarantee available in the loan file dated xx located at (xx).    
xx 9469048 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Legal Docs Note / Mod Active B * Incorrect Property address on Note Document. (Lvl 2) The property address mentioned on the note is "xx" however, it was corrected in the re-recorded mortgage as "xx". Other documents are also showing the property address as "xx".    
xx 9469048 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the state regulation for brokerage/finder fee test.    
xx 9469048 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the state regulation for brokerage/finder fee test.  Loan data is xx and comparison data is xx, hence the variance is +$4,465.75.
The mortgage loan charges a brokerage/finder fee that exceeds 2% of the total loan amount. Under the Tennessee Rules and Regulations, brokerage fee is synonymous with finder fee.
Any brokerage/finder fee of more than 2% of the principal amount of the loan will be presumed to be unfair and unreasonable and shall be grounds to revoke the license or registration of such licensee or registrant, unless such licensee or registrant can provide evidence showing that such fee constitutes fair and reasonable compensation.		    
xx 62037644 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 62037644 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 62037644 xx 561 561-882 xx Non-QM QC Complete California xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Comment history is available from xx/xx/xxxx to xx/xx/xxxx, which is for 12 months. However, comment history is missing from xx/xx/xxxx to xx/xx/xxxx, as we require latest 24 months comment history.    
xx 62037644 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Compliance ease risk indicator is moderate, as TILA finance and recession finance charge is failed.    
xx 62037644 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * ROR Transaction date not consistent with Note and/or HUD (Lvl 2) The note date is xx and HUD-1 settlement date is xx with a disbursement date of xx. The ROR transaction date is xx and Expiration date is xx. Hence, the ROR transaction dates is not consistent with note and HUD.    
xx 62037644 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 62037644 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test. This loan failed the TILA foreclosure rescission finance charge test.    
xx 96444981 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 96444981 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 96444981 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Valuation Active B *  Property value crammed down (Lvl 4) xx     
xx 96444981 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Collection comments are available from xx/xx/xxxx to xx/xx/xxxx. However, we require latest 24 months collection comments. Collection comments are missing from xx/xx/xxxx to xx/xx/xxxx    
xx 96444981 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by borrowers.    
xx 96444981 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Not all borrowers signed TIL (Lvl 2) Final TIL is not signed by borrowers.    
xx 96444981 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Property Active B * Subject property is located in a FEMA designated disaster area (recent). (Lvl 1) The subject property is located in a FEMA designated disaster area.
However, as per the collection comments received as of xx, no comments were found pertaining damage to the subject property.		    
xx 96444981 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to determine operative index value. Since supportive documents missing from the loan file.    
xx 88355847 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 88355847 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 88355847 xx 561 561-882 xx Non-QM QC Complete Texas xx Valuation Property Active B * Property Damage (Lvl 4) As per the Repairs Affidavit document located at "xx" stated that the Affidavit is made for the purpose of including xx to release the proceeds of a loss draft in the amount of $ 17,289.41 to repair or reconstruct the residence on the property.
As per the Contractor Affidavit document located at "xx" stated that the estimated total cost of these repairs is in the amount of $ 13,956.00 which was included sales tax amount.
However, there is no further information found regarding the above damage has been repaired or not. However the exterior property inspection report dated xx/xx/xxxx shows property is in good condition with no visible damage.		    
xx 88355847 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Collection comments are available from  xx/xx/xxxx toxx/xx/xxxx. Comment history is missing from xx/xx/xxxx to xx/xx/xxxx as we require latest 24 months collection comments.    
xx 88355847 xx 561 561-882 xx Non-QM QC Complete Texas xx Valuation Property Active B * Subject property is located in a FEMA designated disaster area (recent). (Lvl 1) Comment dated xx/xx/xxxx shows, the property is located in FEMA disaster declared area however, as per FEMA property inspection report, there is no impact of FEMA disaster to the subject property.    
xx 88355847 xx 561 561-882 xx Non-QM QC Complete Texas xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 59287918 xx 561 561-882 xx Non-QM QC Complete Kansas xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) MI certificate is missing from the loan file.    
xx 59287918 xx 561 561-882 xx Non-QM QC Complete Kansas xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by borrower.    
xx 59287918 xx 561 561-882 xx Non-QM QC Complete Kansas xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The comment history is available from xx/xx/xxxx to xx/xx/xxxx. However, we require latest 24 months collection history. Comments history is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 59287918 xx 561 561-882 xx Non-QM QC Complete Kansas xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the late fees test.
As per note, late charge percentage is 5.00% which is comparison with 1.686% and variance is +3.314%.
The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located.		    
xx 59287918 xx 561 561-882 xx Non-QM QC Complete Kansas xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA finance charge test.
This loan failed the TILA foreclosure rescission finance charge test.
This loan failed the late fees test.		    
xx 28303329 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 28303329 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 28303329 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Legal Docs Doc Issue Active B * Condo / PUD rider Missing (Lvl 2) As per appraisal the property type is PUD , Condo/PUD rider is missing in the loan file.    
xx 28303329 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Legal Docs Doc Issue Active B * Mortgage Riders incomplete / inaccurate (Lvl 2) As per appraisal the property type is PUD , Condo/PUD rider is missing in the loan file.    
xx 28303329 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Comment History is available from xx/xx/xxxx to xx/xx/xxxx. However, required latest 24 months comments history. Comments are missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 28303329 xx 561 561-882 xx Non-QM QC Complete South Carolina xx NPL NPL Active B * Payment History is not Complete (Lvl 3) Payment History is available from xx/xx/xxxx to xx/xx/xxxx (for 10 months only). However, required latest 12 months pay history. Payment history is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 9385651 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1) loan over 3 yrs    
xx 9385651 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1) loan over 3 yrs    
xx 9385651 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The comment history is available from xx/xx/xxxx to xx/xx/xxxx. However, we require latest 24 months comments history. Hence, comment history is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 9385651 xx 561 561-882 xx Non-QM QC Complete New Jersey xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The Payment history is available from xx/xx/xxxx to xx/xx/xxxx. However, we require latest 12 months payment history. Payment history is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 29565027 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 29565027 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 29565027 xx 561 561-882 xx Non-QM QC Complete Texas xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 29565027 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Comments history is available from xx/xx/xxxx till xx/xx/xxxx. However, we require latest 24 months of comments history. Comments history is missing from xx/xx/xxxx till xx/xx/xxxx.    
xx 29565027 xx 561 561-882 xx Non-QM QC Complete Texas xx NPL NPL Active B * Payment History is not Complete (Lvl 3) Payment history is available from xx/xx/xxxx till xx/xx/xxxx. However, we require latest 12 months of payment history. Payment history is missing from xx/xx/xxxx till xx/xx/xxxx.    
xx 40693149 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 40693149 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 40693149 xx 561 561-882 xx Non-QM QC Complete California xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Collection comments are available from xx/xx/xxxx to xx/xx/xxxx. Latest 24 months collection comments are required and comments are missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 40693149 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 is missing in the loan file.    
xx 40693149 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Operative Index Numerical Value Unavailable based on lender docs (Lvl 2) Operative index value could not be sourced from available documents.    
xx 40693149 xx 561 561-882 xx Non-QM QC Complete California xx NPL NPL Active B * Payment History is not Complete (Lvl 3) Payment history is available from xx/xx/xxxx to xx/xx/xxxx. Latest 12 months payment history is required and payment history is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 40693149 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 98315312 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 98315312 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 98315312 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 98315312 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Updated title shows prior lien not released (Lvl 3) As per updated title report, there  is one prior HOA Lien found against the xx in the amount of $xx in the favor of xx which was recorded on xx.    
xx 98315312 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD-1 is not signed by borrower.    
xx 98315312 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 98315312 xx 561 561-882 xx Non-QM QC Complete California xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The latest payment history is available from xx/xx/xxxx to xx/xx/xxxx. however, we required 12 months payment history. Payment history is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 98315312 xx 561 561-882 xx Non-QM QC Complete California xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The latest servicing comment is available from xx/xx/xxxx to xx/xx/xxxx. however, we required latest 24 months servicing comment. Servicing comment is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 98315312 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The loan was modified on xx. with new principal balance $xx. As per modification agreement lender was forgiven principal balance in the amount of $xx which is exceeds 2% of modification amount.    
xx 49496156 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 49496156 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 49496156 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal report is missing in the loan file. However, values are considered from desktop underwriter quantitative analysis appraisal report located at xx.    
xx 49496156 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final Application is missing in the loan file.    
xx 49496156 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
xx 49496156 xx 561 561-882 xx Non-QM QC Complete North Carolina xx NPL NPL Active B * Payment History is not Complete (Lvl 3) Payment history is available from xx/xx/xxxx to xx/xx/xxxx. However, we required latest 12 months history of payment history. The payment history is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 49496156 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The comment history is available from xx/xx/xxxx to xx/xx/xxxx. However, we require latest 24 months of comment history. The comment history is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 49496156 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the late fees test.
This loan failed the first lien lender fees test		    
xx 49496156 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the late fees test.
This loan failed the first lien lender fees test
Late Fees Test: FAIL 5.000% 4.000% +1.000%
First Lien Lender Fees Test: FAIL $350.00 $289.00 +$61.00		    
xx 91954550 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 91954550 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 91954550 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Collection Comments are available from xx/xx/xxxx to xx/xx/xxxx (for 10 months). However, we require latest 24 months comment history. Comments are missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 91954550 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase Risk Indicator is Moderate due to TILA failed for Finance Charge Test.    
xx 91954550 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) ComplianceEase TILA failed for Finance Charge Test.
As per loan data finance charge Is xx, however comparison data is xx and variance is -$55,020.30.		    
xx 91954550 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 is Hand Written and application date is missing. However Application Addendum is present in the loan file.    
xx 91954550 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * Application Not Signed by All Borrowers (Lvl 2) Final 1003 is Hand Written and application date is missing. However Application Addendum is present in the loan file.    
xx 91954550 xx 561 561-882 xx Non-QM QC Complete Illinois xx NPL NPL Active B * Payment History is not Complete (Lvl 3) Payment history is available from xx/xx/xxxx to xx/xx/xxxx (for 10 months). However, required latest 12 months payment history. Payment History is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 11396518 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 11396518 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 11396518 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) As per Updated Title Report dated xx/xx/xxxx, the Subject Mortgage was originated on xx. There is a Senior Mortgage found active in favor of xx for the amount of xx which was recorded on xx. No released or satisfaction documents in file which stating the prior mortgage has been released.
However, the HUD-1 shows pay off for above said senior mortgage. Also, the final title policy Schedule B does not show exceptions for any prior mortgages.  It shows a clear title.The subject mortgage is not at risk due to the prior unpaid mortgages. Possible title claim can be filed.		    
xx 11396518 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) Subject Mortgage is in second lien position. As per Updated Title Report dated xx/xx/xxxx shows there is an active Senior Mortgage on the subject property in favor of xx for the amount of xx and was recorded on xx which is before the subject mortgage of xx.    
xx 11396518 xx 561 561-882 xx Non-QM QC Complete California xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Collection comment are available from xx/xx/xxxx to xx/xx/xxxx. We require 24 months latest collection comments. However, comments are missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 11396518 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD-1 is not signed by all the borrowers.    
xx 11396518 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index numerical valve is unable to confirm from the loan documents.    
xx 11396518 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * ROR Transaction date not consistent with Note and/or HUD (Lvl 2) ROR transaction date is xx  however, the note date is xx.    
xx 11396518 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 33810140 xx 561 561-882 xx Non-QM QC Complete Colorado xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 33810140 xx 561 561-882 xx Non-QM QC Complete Colorado xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 33810140 xx 561 561-882 xx Non-QM QC Complete Colorado xx Legal Docs Title Issue Active B * Title holder is not an individual (Lvl 1) xx     
xx 33810140 xx 561 561-882 xx Non-QM QC Complete Colorado xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 33810140 xx 561 561-882 xx Non-QM QC Complete Colorado xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Comment history is available from xx/xx/xxxx to xx/xx/xxxx. We require latest 24 month comments history. Comments history is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 33810140 xx 561 561-882 xx Non-QM QC Complete Colorado xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application is missing in the loan file.    
xx 33810140 xx 561 561-882 xx Non-QM QC Complete Colorado xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
xx 33810140 xx 561 561-882 xx Non-QM QC Complete Colorado xx Compliance Compliance Active B * Operative Index Numerical Value Unavailable based on lender docs (Lvl 2) Operative index value could not be sourced from available documents    
xx 2273725 xx 561 561-882 xx Non-QM QC Complete Colorado xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) The subject mortgage is second lien position. As there is HOA lien on the subject property in the amount of xx in the favor of xx recorded on xx.    
xx 2273725 xx 561 561-882 xx Non-QM QC Complete Colorado xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) There is an active HOA lien found on the subject property in favor of xx in the amount of xx recorded on xx.
The subject property is located in the state Colorado, which is a super lien state. There is risk of the property to be getting foreclosed due to above unpaid liens. The updated title report notes states that there is a possibility of foreclosure by senior non-mortgage lien.
The unpaid lien should be paid in order to avoid foreclosure.		    
xx 2273725 xx 561 561-882 xx Non-QM QC Complete Colorado xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal is missing from the loan file.    
xx 2273725 xx 561 561-882 xx Non-QM QC Complete Colorado xx Valuation Property Active B * Property Damage (Lvl 3) As per the latest property inspection report dated xx, there is siding damage in the amount of xx and the date discovered is xx. No comments regarding the repairs have been found in the collection comments.    
xx 2273725 xx 561 561-882 xx Non-QM QC Complete Colorado xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application is missing in the loan file. However, initial loan application information has considered.    
xx 2273725 xx 561 561-882 xx Non-QM QC Complete Colorado xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
xx 2273725 xx 561 561-882 xx Non-QM QC Complete Colorado xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index value is unable to confirm since no supportive docs available in the file that reveal the index value.    
xx 2273725 xx 561 561-882 xx Non-QM QC Complete Colorado xx NPL NPL Active B * Payment History is not Complete (Lvl 3) Payment history is available from xx/xx/xxxx to xx/xx/xxxx. The payment history is missing from xx/xx/xxxx to xx/xx/xxxx as the latest 12 months history required.    
xx 2273725 xx 561 561-882 xx Non-QM QC Complete Colorado xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comments are available from xx/xx/xxxx to xx/xx/xxxx. However, the comments are missing from xx/xx/xxxx to xx/xx/xxxx as the latest 24 months comments are required.    
xx 2273725 xx 561 561-882 xx Non-QM QC Complete Colorado xx Modification Doc Issue Active B * Loan appears modified. Mod missing or unexecuted (Lvl 4) This is conventional adjustable ratepick-A-payment mortgage with P&I of $519.74 with the rate of interest 5.450% and a maturity date of xx. The P&I as per latest payment history is the $783 and rate of interest is 6.00%. Collection comment dated xx/xx/xxxx shows, final Modification was processed. As per Modified terms, new UPB is $xx. Payment history tape data also reflects the deferred balance of $xx.
However, Modification agreement is missing in the loan file.		    
xx 37746495 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 37746495 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 37746495 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Comments history is available from xx/xx/xxxx to xx/xx/xxxx. However, we require latest 24 months comments history. Comments history is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 37746495 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 application along with transmittal is missing in the loan file.    
xx 37746495 xx 561 561-882 xx Non-QM QC Complete Arizona xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 37746495 xx 561 561-882 xx Non-QM QC Complete Arizona xx NPL NPL Active B * Payment History is not Complete (Lvl 3) Payment history is available from xx/xx/xxxx to xx/xx/xxxx. However, we require latest 12 months payment history. Payment history is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 37746495 xx 561 561-882 xx Non-QM QC Complete Arizona xx Valuation Valuation Active B *  Property value crammed down (Lvl 4) xx     
xx 37746495 xx 561 561-882 xx Non-QM QC Complete Arizona xx Legal Docs Doc Issue Active B * Condo / PUD rider Missing (Lvl 2) The property type is Low Rise Condo However, Condo/PUD rider is missing in the loan file.    
xx 37746495 xx 561 561-882 xx Non-QM QC Complete Arizona xx Legal Docs Doc Issue Active B * Mortgage Riders incomplete / inaccurate (Lvl 2) The property type is Low Rise Condo However, Condo/PUD rider is missing in the loan file.    
xx 37746495 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA finance charge test.    
xx 37746495 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA Finance Charge Test: FAIL Loan Data: xx Comparison Data: xx Variance: -$22,287.88.    
xx 89752071 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 89752071 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 89752071 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) As per modification made between the (borrower)  xx. the lender agreed to forgive principal in the amount of $xx out of modified principal balance of $xx However, the forgiven amount exceeds 2% of modified principal balance.    
xx 89752071 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Active Judgment Against Borrower (Lvl 3) As per updated title report dated xx/xx/xxxx shows there is one active senior civil judgment against the borrower in the amount of xx held by xx. recorded on xx. Which is prior to the subject mortgage. However the subject mortgage was originated on xx.    
xx 89752071 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Comment history is available from xx/xx/xxxx to xx/xx/xxxx. However, we require latest 24 months comment history. Comment history is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 89752071 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 application along with transmittal is missing from the loan files.    
xx 89752071 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index value is unable to confirm from lender's provided documents.    
xx 89752071 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 89752071 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) The final TIL is not hand dated by the borrower.    
xx 89752071 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Property Active B * Subject property is located in a FEMA designated disaster area (recent). (Lvl 1) The subject property is located in a FEMA designated disaster area (recent). However, as per the collection comments received as of xx/xx/xxxx, no comments were found pertaining damage to the subject property.    
xx 42103870 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 42103870 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 42103870 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 42103870 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application is missing from the loan file.    
xx 42103870 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final Hud-1 is not signed by the borrower however, the same HUD-1 considered to test the compliance test.    
xx 42103870 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * ROR Transaction date not consistent with Note and/or HUD (Lvl 2) Note date is xx however ROR transaction date is xx.    
xx 42103870 xx 561 561-882 xx Non-QM QC Complete California xx NPL NPL Active B * Payment History is not Complete (Lvl 3) Payment history are available from xx/xx/xxxx to xx/xx/xxxx. As we require latest 12 months payment history for review, the payment history are missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 42103870 xx 561 561-882 xx Non-QM QC Complete California xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Servicing comments are available from xx/xx/xxxx to xx/xx/xxxx. As we require latest 24 months collection comments for review, the comments are missing from xx/xx/xxxx till xx/xx/xxxx.    
xx 42103870 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to determine operative index value from available loan file.    
xx 15047838 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 15047838 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 15047838 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Title Review Active B * Title Rvw shows prop. owner of record is not borr. (Lvl 2) As per Quitclaim deed xx, states the borrower's name as xx. and the Mortgage (xx) states the name as xx, which is the correct name as per name affidavit dated xx.    
xx 15047838 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) As per loan modification agreement dated xx, the new modified principal balance is xx. However, there is a principal balance in the amount of $xx which has been forgiven that exceeds 2% of modified loan amount.    
xx 15047838 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index value is unable to confirm from available loan file.    
xx 15047838 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The available comment history is from xx/xx/xxxx to xx/xx/xxxx which is of 10 months. As we require the comment history of 24 months, the comment history is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 15047838 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The available payment history is from xx/xx/xxxx to xx/xx/xxxx. As per guideline we required 12 month payment history. However, payment history is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 15047838 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 2203389 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 2203389 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 2203389 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal report is missing in the loan file.    
xx 2203389 xx 561 561-882 xx Non-QM QC Complete California xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The comment history  is available from xx/xx/xxxx to xx/xx/xxxx. However, we require latest 24 months comment history. The comment history is  missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 2203389 xx 561 561-882 xx Non-QM QC Complete California xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The payment history is available from xx/xx/xxxx to xx/xx/xxxx.  However, we required latest 12 months payment history. The payment history missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 2203389 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Appraisal Active B * Variation in Parcel number(APN#) (Lvl 3) xx    
xx 46219184 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 46219184 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 46219184 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) As per the modification  agreement made on xx shows the UPB is $158,176.40 and interest bearing amount is $158,176.40, the Lender has forgiven principal amount is $107,672.16 which exceeds more than 2%.    
xx 46219184 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index value is unable to confirm from lender's provided documents.    
xx 46219184 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The comments history is available from xx/xx/xxxx to xx/xx/xxxx. As we require the 24 months collection. The collection comment is missing from the xx/xx/xxxx to xx/xx/xxxx .    
xx 46219184 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Property Active B * Subject property is located in a FEMA designated disaster area (recent). (Lvl 1) The subject property is located in a FEMA designated disaster area (recent).
However, as per the collection comments received as of xx/xx/xxxx, no comments were found pertaining damage to the subject property.		    
xx 75488969 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 75488969 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 75488969 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) As per the ProTitle report Subject mortgage is in second lien position, there is one municipal lien found open in the amount of $xx with xx which was recorded on xx. The subject property is located in the state of Florida which is a super lien state. There is a risk of the property being foreclosed due to above unpaid lien.
This can be cured by repayment of the unpaid lien along with late fees and unpaid interest.		    
xx 75488969 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) As per the ProTitle report Subject mortgage is on second lien position as there is one municipal lien found open in the amount of $xx with xx which was recorded on xx.    
xx 75488969 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The collection comment is available from xx/xx/xxxx to xx/xx/xxxx which is for 10 months. However, we require 24 months collection comments. Collection comment is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 75488969 xx 561 561-882 xx Non-QM QC Complete Florida xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The payment history is available from xx/xx/xxxx xx/xx/xxxx which is for 10 months. However, we require complete 12 months payment history. The payment history is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 75488969 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Property Active B * Subject property is located in a FEMA designated disaster area (recent). (Lvl 1) The subject property is located in a FEMA designated disaster area (recent). However, as per the collection comments received as of xx/xx/xxxx, no comments were found pertaining damage to the subject property.    
xx 75488969 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Appraisal Active B * Variation in Parcel number(APN#) (Lvl 3) xx    
xx 75488969 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.
The finance charge is xx. The disclosed finance charge of xx is not considered accurate because it is understated by more than $100.
TILA Finance Charge Test: Loan Data xx, Comparison Data xx, Variance -$955.08.		    
xx 75488969 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA finance charge test.
TILA Finance Charge Test: Loan Data xx, Comparison Data xx, Variance -$955.08.		    
xx 69997906 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal is missing in the loan file.    
xx 69997906 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Title Review Active B * Active Judgment Against Borrower (Lvl 3) As per the Pro-Title report dated xx/xx/xxxx, there are four active judgment against the borrower as follows:
There is a civil judgment against the xx.
There is a civil judgment against the xx.
There is a civil judgment agains the xx.
There is a civil judgment agains the xx.		    
xx 69997906 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Legal Description missing (Lvl 3) As per the vesting deed dated xx, the legal description is more descriptive.
However, Missing portion of legal description as per the recorded mortgage and AOM is “being further described as follows in accordance with a survey dated xx made by engineering surveying planning associates: Beginning at a point in the xx from its intersection with the xx (if both lines were extended so to meet) and from thence running:
xx		    
xx 69997906 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 along with Estimated HUD-1 and Itemization is missing in the loan file.    
xx 69997906 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by borrower.    
xx 69997906 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Not all borrowers signed TIL (Lvl 2) Final TIL is not signed by borrower.    
xx 69997906 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index value unable to confirm in the available loan documents.    
xx 69997906 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing in the loan file.    
xx 69997906 xx 561 561-882 xx Non-QM QC Complete New Jersey xx NPL NPL Active B * POC Deadline is coming soon (Lvl 3) The bankruptcy was filed on xx under xx. As per PACER, the POC deadline due on xx. However, the POC has not been filed yet.    
xx 69997906 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Modification Doc Issue Active B * Loan appears modified. Mod missing or unexecuted (Lvl 3) The loan modification agreement is found in the loan file which was made on xx. The borrower had made the last payment as per the modification rate. However, the available loan modification agreement is not signed by the borrower.    
xx 76739213 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 76739213 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 76739213 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
xx 76739213 xx 561 561-882 xx Non-QM QC Complete Texas xx Valuation Appraisal Active B * Variation in Parcel number(APN#) (Lvl 3) xx    
xx 47605516 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 47605516 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 47605516 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * Operative Index Numerical Value Unavailable based on lender docs (Lvl 2) Unable to determine the operative index value as supportive documents are missing from the loan file.    
xx 63118743 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) As per review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx with xx and was recorded on xx.
There are two active water/sewer liens in the favor of xx in the total amount of xx.
Also, there are two water/sewer liens in the favor of xx in the total amount of xx.
One active water /sewer lien is in favor of xx for the amount of xx.
The subject property is located in the State of CA. There is a risk of the property to be getting foreclosed due to above liens.		    
xx 63118743 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) The lien position of subject mortgage is changed to Other as there are multiple Utility liens in the total amount of xx. The subject property is located in the State of CA. There is a risk of the property to be getting foreclosed due to above liens.    
xx 63118743 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report is missing in the loan file.    
xx 63118743 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 is missing in the loan file.    
xx 63118743 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing in the loan file.    
xx 63118743 xx 561 561-882 xx Non-QM QC Complete California xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) HUD-1 along with estimated HUD and itemization is missing in the loan file.    
xx 63118743 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 63118743 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing in the loan file.    
xx 63118743 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The loan was modified on xx with the modified principal balance of xx. The lender has forgiven the amount of $xx out of the previous principal balance of $xx which exceeds 2% of the modified principal balance of $xx    
xx 47023716 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 47023716 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 47023716 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Title Review Active B * Title Rvw shows prop. owner of record is not borr. (Lvl 2) Updated title shows, ownership has been transferred to xx. As per Certificate of transfer recorded on xx was deceased on xx. The loan was assumed by xx.    
xx 47023716 xx 561 561-882 xx Non-QM QC Complete Ohio xx Data Edit Data Edit Active B * Deceased Borrower(s) (Lvl 3) According to the updated title report dated xx/xx/xxxx, the borrower,xx was deceased on xx. However, no details regarding the death certificate or probate has been found in the collection comments.

.		    
xx 47023716 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 41886257 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 41886257 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 41886257 xx 561 561-882 xx Non-QM QC Complete Ohio xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 44957045 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 44957045 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 44957045 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Operative Index Numerical Value Unavailable based on lender docs (Lvl 2) Operative index value could not be sourced from available documents.    
xx 44957045 xx 561 561-882 xx Non-QM QC Complete Georgia xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 52542478 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 52542478 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 52542478 xx 561 561-882 xx Non-QM QC Complete Georgia xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) As per modification agreement made on xx, the new principal balance is xx. The lender has forgiven principal in the amount $xx which exceeds 2% of modification amount.    
xx 52542478 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 52542478 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 5329143 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 5329143 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 5329143 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) Subject mortgage was originated on xx. As per updated title report dated xx/xx/xxxx shows there is an active senior mortgage on the subject property in favor of xx which is before the subject mortgage. Hence, the subject mortgage was recorded on xx. However, Hud-1 shows pay off for above said senior mortgage. Also, Final Title Policy at the origination does not reflect any exception for a senior mortgage. It shows a clear title. Possible title claim can be filed.    
xx 5329143 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) Subject Mortgage is in second lien position. As per updated title report dated xx/xx/xxxx shows there is an active senior mortgage on the subject property in favor of xx for the amount of xx and was recorded on xx which is before the subject mortgage and hence the subject mortgage was recorded on xx.    
xx 5329143 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) CE risk indicator shows moderate due TILA Foreclosure Rescission Finance Charge Test failed.    
xx 5329143 xx 561 561-882 xx Non-QM QC Complete Texas xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 5329143 xx 561 561-882 xx Non-QM QC Complete Texas xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) The chain of assignment is incomplete as there is a break in chain of assignment from xx to xx.    
xx 5329143 xx 561 561-882 xx Non-QM QC Complete Texas xx Legal Docs Doc Issue Active B * Title policy missing (Lvl 3) The Final Title Policy is missing in the loan file. However, the values are updated as per commitment .    
xx 5329143 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA Finance Charge Test: Fail Loan data is xx,Comparison data xx ,Variance -$2,709.93.
TILA Foreclosure Rescission Finance Charge Test: Fail Loan data xx , Comparison  xx, Variance -$2,709.93.		    
xx 43922604 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 43922604 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 43922604 xx 561 561-882 xx Non-QM QC Complete Ohio xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 59649163 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 59649163 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 59649163 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing in the loan file.    
xx 59649163 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The comments history is available from xx/xx/xxxx to xx/xx/xxxx, however, we require complete 24 months collection comments. Collection comments are missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 44123406 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report is missing in the loan file.    
xx 44123406 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application is missing in the loan file.    
xx 44123406 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing in the loan file.    
xx 44123406 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Legal Docs Title Issue Active B * Title issue (Lvl 3) Final title policy is available in the loan file. However, the stamp of the insurance company is missing.    
xx 44123406 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) HUD-1 along with estimated HUD-1 and itemization is missing in the loan file.    
xx 44123406 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) We require latest 24 months collection comments. Collection comments are available from xx/xx/xxxx to xx/xx/xxxx. However, comments are missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 67857586 xx 561 561-882 xx Non-QM QC Complete Vermont xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 67857586 xx 561 561-882 xx Non-QM QC Complete Vermont xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 67857586 xx 561 561-882 xx Non-QM QC Complete Vermont xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 67857586 xx 561 561-882 xx Non-QM QC Complete Vermont xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 2) As per updated title shows outstanding amount of delinquent taxes is xx it is due date is xx.    
xx 67857586 xx 561 561-882 xx Non-QM QC Complete Vermont xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report along with supporting document 1008 is missing in the loan file.    
xx 67857586 xx 561 561-882 xx Non-QM QC Complete Vermont xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) Chain of assignment is incomplete. There is break in assignment from xx. Missing assignment to xx.    
xx 67857586 xx 561 561-882 xx Non-QM QC Complete Vermont xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Comment history is available from xx/xx/xxxx to xx/xx/xxxx. However, we require latest 24 months comment history. Comment history is missing from xx/xx/xxxx till xx/xx/xxxx.    
xx 67857586 xx 561 561-882 xx Non-QM QC Complete Vermont xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing in the loan file.    
xx 67857586 xx 561 561-882 xx Non-QM QC Complete Vermont xx NPL NPL Active B * POC Deadline is coming soon (Lvl 4) The bankruptcy under xx. The deadline for POC was xx.  Per comment dated xx/xx/xxxx, the loan was with xx did not file the POC.  Per comment dated xx reflects the reprojected date for POC on xx and not yet filed.    
xx 67857586 xx 561 561-882 xx Non-QM QC Complete Vermont xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA APR test.
This loan did not pass the prohibited fees test.		    
xx 67857586 xx 561 561-882 xx Non-QM QC Complete Vermont xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) TILA APR Test: FAIL Loan Data: 0.000% Comparison Data: 6.804% Variance: -6.804%.
Vermont Mortgage Lender License Prohibited Fees Test: FAIL Loan Data: xx Comparison Data: $0.00 Variance: +$1,804.50		    
xx 67857586 xx 561 561-882 xx Non-QM QC Complete Vermont xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA test failed.The funding date is before the third business day following consummation.
The consumer may exercise the right to rescind until midnight of the third business day following consummation		    
xx 31925004 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 31925004 xx 561 561-882 xx Non-QM QC Complete Indiana xx Legal Docs Mortgage Active B * Mortgage  (Lvl 2) As per the Deed dated xx and recorded on xx the borrower name is xx, however the Mortgage dated xx shows borrower name is xx. This can be cured by re-recording of the mortgage with the correct name of the borrower.    
xx 31925004 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Comment history is incomplete, comments are avaliable only from date xx/xx/xxxx to xx/xx/xxxx and missing from xx/xx/xxxx toxx/xx/xxxx. As we require latest 24 months comments history.    
xx 31925004 xx 561 561-882 xx Non-QM QC Complete Indiana xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) HUD-1 is not signed by the borrower    
xx 31925004 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by the borrower.    
xx 31925004 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The risk indicator is 'Moderate' because This loan failed the Indiana license validation test. and This loan failed the TILA foreclosure rescission finance charge test.    
xx 31925004 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active B * ComplianceEase Exceptions Test Failed (Lvl 2) This loan failed the Indiana license validation test. (IN HEA 1359, Ind. Code § 24-4.5-1-101, Ind. Code § 24.4.4-1-101)
Indiana House Enrolled Act 1359 requires the Indiana Department of Financial Institutions to begin regulation of both first and
subordinate lien mortgage lending under the First Lien Mortgage Lending License and Subordinate Lien Mortgage Lending
License. As a result, lenders will no longer be allowed to make loans under the Indiana Unregulated (1st Lien), Unregulated
UCCC, Consumer Loan License, Consumer Loan License UCCC, or the Exemption Letter UCCC.
The Indiana First Lien Mortgage Lending License and Indiana Subordinate Lien Lending License are not available for loans with
a closing date before the Act's effective date of January 1, 2009.		    
xx 31925004 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) )
The finance charge is xx. The disclosed finance charge of xx is not considered accurate because it is
understated by more than $100.		    
xx 31925004 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) TIL is not hand dated by the all borrower.    
xx 31925004 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 21511196 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 21511196 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 21511196 xx 561 561-882 xx Non-QM QC Complete Washington xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan file. However, values are updated as per 1008.    
xx 21511196 xx 561 561-882 xx Non-QM QC Complete Washington xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 21511196 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 21511196 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comments are available from xx/xx/xxxx to xx/xx/xxxx. However, the comments are missing from xx/xx/xxxx to xx/xx/xxxx as the latest 24 months comments required.    
xx 21511196 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active B * Zip code given on note conflicts with the code present in Scienna (Lvl 2) The zip code as per the origination documents is "xx" present on tape and updated title report. However, the zip code matches with tax report documents.    
xx 28727279 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 28727279 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 28727279 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Valuation Property Active B * Property Damage (Lvl 2) As per BPO report dated xx/xx/xxxx, the front door of the subject property was damaged. Exterior paint was needed to the subject property. The estimated cost of repair was in the amount of xx. There is no detail found regarding repair has been completed.
However, as per latest BPO report dated xx/xx/xxxx and servicing comment, there is no damage found to the subject property.		    
xx 28727279 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Comment history is available from xx/xx/xxxx to xx/xx/xxxx in the loan file. However, the comment history is missing from xx/xx/xxxx to xx/xx/xxxx, as we require latest 24 months comment history.    
xx 25580780 xx 561 561-882 xx Non-QM QC Complete Utah xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 25580780 xx 561 561-882 xx Non-QM QC Complete Utah xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 25580780 xx 561 561-882 xx Non-QM QC Complete Utah xx Credit Title Review Active B * Property address changed since origination - address on updated title different from note (Lvl 2) xx    
xx 25580780 xx 561 561-882 xx Non-QM QC Complete Utah xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Collection comments are available from xx/xx/xxxx to xx/xx/xxxx. As we required latest 24 months comment history for review, the comments are missing from  xx/xx/xxxx to xx/xx/xxxx.    
xx 33210173 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 33210173 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 33210173 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase failed due to TILA Finance Charge Test and TILA APR Test.
ComplainceEase failed due to GSE Points and Fees Test.		    
xx 33210173 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final Application is Missing from loan files, however data is taken from initial application with doc locator xx    
xx 33210173 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comments are available from xx/xx/xxxx to xx/xx/xxxx. However, the comments are missing from xx/xx/xxxx to xx/xx/xxxx as the latest 24 months comments are required.    
xx 33210173 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Credit Title Review Active B * Active Judgment Against Borrower (Lvl 3) The subject mortgage was originated on xx. As per the updated title report there is a senior civil judgment in the amount of xx.    
xx 33210173 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test. The finance charge is xx. The disclosed finance charge of xx is not considered accurate because it is
understated by more than $100.
This loan failed the TILA foreclosure rescission finance charge test. The finance charge is xx. The disclosed finance charge of xx is not considered accurate for purposes of rescission because it is understated by more than $35.		    
xx 37453809 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) As per updated title dated xx/xx/xxxx,  one Sewer lien found open on the subject property in favor of xx. As the subject property is located in CA. There is a risk of the property may get foreclosed due to above unpaid lien.
This can be cured by paying off the said lien with applicable penalties and interest.		    
xx 37453809 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) Updated title dated xx/xx/xxxx shows, one Sewer lien in favor of xx in the amount of $xx was recorded on xx. Hence, the subject mortgage is in second lien position.    
xx 37453809 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report is missing in the loan file.    
xx 37453809 xx 561 561-882 xx Non-QM QC Complete California xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Comment history is available from xx/xx/xxxx till xx/xx/xxxx. We required latest 24 months comment history. Comments are missing from xx/xx/xxxx till xx/xx/xxxx.    
xx 37453809 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 is missing in the loan file.    
xx 37453809 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing in the loan file.    
xx 37453809 xx 561 561-882 xx Non-QM QC Complete California xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) HUD-1 is missing in the loan file along with estimated HUD and itemization.    
xx 37453809 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 20711866 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) A uniform appraisal report is missing in loan file.    
xx 20711866 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing in the loan file.    
xx 20711866 xx 561 561-882 xx Non-QM QC Complete California xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The comment history is available from xx/xx/xxxx to xx/xx/xxxx. However, we require complete 24 months collection comments. The collection comment is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 20711866 xx 561 561-882 xx Non-QM QC Complete California xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) The final HUD-1 along with Estimated HUD-1 and Itemization is missing in the loan file.    
xx 20711866 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Application Missing (Lvl 2) The final loan application is missing in loan file.    
xx 20711866 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) The final TIL is missing in loan file.    
xx 20711866 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 87514140 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 87514140 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 87514140 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) As per the Pro-Title report dated xx/xx/xxxx, the subject mortgage was originated on xxshows that there is an active senior mortgage on the subject property in favor of xx for the amount of  xx.
However, HUD-1 shows pay off in the amount of xx.
Also, Final Title Policy at the origination does not reflect any exception for a senior mortgage. It shows a clear title. Possible title claim can be filed.		    
xx 87514140 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) As per the ProTitle report, the subject mortgage is on second lien position as there is a senior mortgage in the amount of xx. The Subject mortgage was originated on xx.    
xx 87514140 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Legal Docs Title Issue Active B * Title issue (Lvl 3) xx    
xx 87514140 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Comments history is available from xx/xx/xxxx to xx/xx/xxxx, which is for 12 months. However, comment history is missing from xx/xx/xxxx to xx/xx/xxxx, as we require latest 24 months comment history.    
xx 87514140 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 87514140 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA foreclosure rescission finance charge test.    
xx 87514140 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA foreclosure rescission finance charge test.
The finance charge is xx. The disclosed finance charge of xx is not considered accurate for purposes of rescission because it is understated by more than $35.		    
xx 23511639 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 23511639 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 23511639 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) The subject mortgage is currently in second lien position as the updated title shows that there is a "xx" on real estate in the amount of xx.
It can be cured if this lien will be paid off.		    
xx 23511639 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) The updated title shows that there is a "xx" on real estate in the amount of xx.    
xx 23511639 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Servicing comments are available in the file from xx/xx/xxxx to xx/xx/xxxx however, we require latest 24 months comments history; Servicing comments are missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 3706219 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 3706219 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 3706219 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) As per updated title report, there is a notice of judgment lien in the amount of xx against the properties located in xx, this lien is attached to the subject property and can affect the subject property.
However, there is no exact property address or legal description mentioned in that lien document which can confirms the lien is actually on subject property or not.		    
xx 3706219 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Collection comments are available from xx/xx/xxxx to xx/xx/xxxx however, the comments are missing from xx/xx/xxxx to xx/xx/xxxx as we required latest 24 months complete collection comments.    
xx 3706219 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 3706219 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA foreclosure rescission finance charge test.    
xx 3706219 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA foreclosure rescission finance charge test. Loan data is xx,  and the comparison data is xx.  Hence the variance is -$71.83.
The finance charge is xx. The disclosed finance charge of xx is not considered accurate for purposes of rescission because it is understated by more than $35.		    
xx 87783678 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 87783678 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 87783678 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Title Review Active B * Title Rvw shows prop. owner of record is not borr. (Lvl 1) The subject mortgage was originated on xx in the favor of xx. The owner of the property record is xx. However, as per updated title report and tax certificate, the current owner of the property record is xx transferred the property through a quitclaim deed recorded on xx.    
xx 87783678 xx 561 561-882 xx Non-QM QC Complete Alabama xx Valuation Property Active B * Property Damage (Lvl 1) As per the certificate of completion of repairs datexx/xx/xxxx, the subject property was damaged on xx/xx/xxxx due to xx. The borrower had received the total amount of claim $57308.75. However, the inspection report dated xx/xx/xxxx, the subject property had no damage or repairs are noted.    
xx 87783678 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The collection comment is available from xx/xx/xxxx to xx/xx/xxxx which is for 12 months. However, we require 24 months collection comments. The comments are missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 87783678 xx 561 561-882 xx Non-QM QC Complete Alabama xx Legal Docs Doc Issue Active B * Title policy missing (Lvl 3) The final title policy is located at “xx”. However, the schedule B is missing in the final title policy. All the values are updated as per commitment.    
xx 87783678 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 87783678 xx 561 561-882 xx Non-QM QC Complete Alabama xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 30662244 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 30662244 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 30662244 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal Report is missing in the loan files however values are updated as per tape data.    
xx 30662244 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Comment history is available from xx/xx/xxxx toxx/xx/xxxx only. However, we required latest 24 months comments history. Comment history is missing from xx/xx/xxxx till xx/xx/xxxx.    
xx 30662244 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) Prohibited Fees Test: FAIL Loan Data xx  Comparison Data $0.00 Variance +$250.00

This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test.
The loan does charge fee(s) not provided for in this act, which is prohibited.
A person licensed as a mortgage broker shall have the right to charge only the following fees: (1) application fee; and (2)
discount points which may be labeled as an origination fee.		    
xx 30662244 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test.
The loan does charge fee(s) not provided for in this act, which is prohibited.
A person licensed as a mortgage broker shall have the right to charge only the following fees: (1) application fee; and (2)
discount points which may be labeled as an origination fee.		    
xx 30662244 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 43760849 xx 561 561-882 xx   QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 43760849 xx 561 561-882 xx   QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 43760849 xx 561 561-882 xx   QC Complete Georgia xx Credit Guidelines Active B * Bankruptcy History does not meet guidelines (Lvl 2) As per bankruptcy odder dated xx  the second priority mortgage (junior mortgage), this lien will be  striped off on the discharge of the bankruptcy case. However the first priority mortgage that is subject mortgage is not affected by the bankruptcy.    
xx 43760849 xx 561 561-882 xx   QC Complete Georgia xx Valuation Valuation Active B * Property Damge (Lvl 2) As per comments dated xx/xx/xxxx, the subject property has water damage in the basement. As per comment dated xx/xx/xxxx, the borrowers are completing the repairs themselves. The actual amount of damage was not found. As per latest BPO report thexx/xx/xxxx, No damages and repairs are reported.    
xx 43760849 xx 561 561-882 xx   QC Complete Georgia xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 43760849 xx 561 561-882 xx   QC Complete Georgia xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Comment history is available from xx/xx/xxxx to xx/xx/xxxx. However, we required latest 24 months comments history. Comment history is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 43760849 xx 561 561-882 xx   QC Complete Georgia xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing in the loan file.    
xx 43760849 xx 561 561-882 xx   QC Complete Georgia xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA right of rescission test.
The funding date is before the third business day following consummation.
The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the
notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last.		    
xx 43760849 xx 561 561-882 xx   QC Complete Georgia xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA Right of Rescission Test: FAIL
This loan failed the TILA right of rescission test.
The funding date is before the third business day following consummation.
The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the
notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last.		    
xx 43760849 xx 561 561-882 xx   QC Complete Georgia xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to determine operative index value from the given loan file.    
xx 53321058 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 53321058 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 53321058 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Title Review Active B * Active Judgment Against Borrower (Lvl 3) As per pro title report dated xx/xx/xxxx, there is an active senior Civil judgment in the favor of xx in the amount of xx recorded on xx. However, the loan was originated on xx.    
xx 53321058 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Comment history is available from xx/xx/xxxx to xx/xx/xxxx. However, we require latest 24 months comment history. Comment history is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 53321058 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index value is unable to confirm from the lender's provided documents.    
xx 53321058 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) Prohibited Fees Test: FAIL Loan Data: $80.00 Comparison Data: $0.00 Variance: +$80.00
This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test.
The loan does charge fee(s) not provided for in this act, which is prohibited.
A person licensed as a mortgage broker shall have the right to charge only the following fees: (1) application fee; and (2)
discount points which may be labeled as an origination fee.		    
xx 53321058 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 53321058 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test.    
xx 92476425 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 92476425 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Comments history is available from xx/xx/xxxx till xx/xx/xxxx. We required latest 24 months comments history. Comments are missing from xx/xx/xxxx till xx/xx/xxxx.    
xx 89745713 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 89745713 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 89745713 xx 561 561-882 xx Non-QM QC Complete Virginia xx Valuation Property Active B * Property is Manufactured Housing (Lvl 2) Appraisal report dated xx states that the subject property is a Manufactured Home and was fixed to the permanent foundation however, there is no VIN# (Serial#) available in the legal description of mortgage and final policy is also not showing the ALTA-7 for Manufactured Home. Latest BPO dated xx/xx/xxxx states that the subject property is SFR and Tax assessment report is not stating whether it's a SFR or Manufactured Home.    
xx 89745713 xx 561 561-882 xx Non-QM QC Complete Virginia xx Data Edit Data Edit Active B * Deceased Borrower(s) (Lvl 3) According to the updated title report dated xx/xx/xxxx, the borrower,xx was deceased on xx. However, no details regarding the death certificate or probate has been found in the collection comments.

.		    
xx 89745713 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Servicing comments are available in the file from xx/xx/xxxx to xx/xx/xxxx however, we require latest 24 months comments history; Servicing comments are missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 51313024 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 51313024 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 51313024 xx 561 561-882 xx Non-QM QC Complete Illinois xx Legal Docs Legal Docs Active B * Updated title review shows IRS / vehicle / federal / personal tax liens (Lvl 2) As per updated title report, there are 2 following IRS Federal tax lien:-

1. There is an IRS Federal tax lien in the name of xx on the subject property address located in xx in the amount of xx.

2) There is an IRS Federal tax lien in the name of xx in the amount of xx.		    
xx 51313024 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Title Review Active B * Active State Tax Lien Judgement. (Lvl 2) As per Updated title report, there are 2 following state tax liens:-

1) There is a state tax lien in the name of xx.

2) There is a state tax lien in the name of xx.		    
xx 51313024 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final Application is missing from the loan file.    
xx 51313024 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index value is unable to confirm since no supportive docs available in the file that reveal the index value.    
xx 51313024 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * Property Address on HUD incorrect (Lvl 2) xx    
xx 51313024 xx 561 561-882 xx Non-QM QC Complete Illinois xx NPL NPL Active B * Payment History is not Complete (Lvl 3) Provided Payment history from date xx/xx/xxxx to xx/xx/xxxx is not sufficient, however payment history from date xx/xx/xxxx to xx/xx/xxxx is missing.

Payment history are available from xx/xx/xxxx to xx/xx/xxxx. As we require latest 12 months payment history for review, the payment history are missing from xx/xx/xxxx till xx/xx/xxxx		    
xx 51313024 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Servicing comments are available from xx/xx/xxxx to xx/xx/xxxx. As we require latest 24 months collection comments, the servicing comments are missing from xx/xx/xxxx to date xx/xx/xxxx    
xx 27392029 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 27392029 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 27392029 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Rvw shows prop. owner of record is not borr. (Lvl 2) The loan was originated by xx. The subject property vesting was transfer by an Quitclaim Deed dated xx.    
xx 27392029 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Mortgage Riders incomplete / inaccurate (Lvl 2) As per appraisal report the subject property is a 2 unit attached property.However , the 1-4 Family rider is missing from the loan file.    
xx 27392029 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Property address changed since origination - address on updated title different from note (Lvl 2) xx    
xx 27392029 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 27392029 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 27392029 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) The operative index value source document could not be found in the loan file.    
xx 27392029 xx 561 561-882 xx Non-QM QC Complete California xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The payment history is available from xx/xx/xxxx to xx/xx/xxxx. However, latest 12 history is required and missing payment history from xx/xx/xxxx to xx/xx/xxxx.    
xx 27392029 xx 561 561-882 xx Non-QM QC Complete California xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comment history is available from xx/xx/xxxx to xx/xx/xxxx. However, latest 24 months comment history and missing servicing comments from xx/xx/xxxx to xx/xx/xxxx.    
xx 97493739 xx 561 561-882 xx Non-QM QC Complete Utah xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 97493739 xx 561 561-882 xx Non-QM QC Complete Utah xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 97493739 xx 561 561-882 xx Non-QM QC Complete Utah xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan files.    
xx 97493739 xx 561 561-882 xx Non-QM QC Complete Utah xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 97493739 xx 561 561-882 xx Non-QM QC Complete Utah xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index value is unable to determine as the supporting documents are unavailable in the loan files.    
xx 97493739 xx 561 561-882 xx Non-QM QC Complete Utah xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The payment history is available from xx/xx/xxxx to xx/xx/xxxx. However, the payment history is missing from xx/xx/xxxx to xx/xx/xxxx as the latest 24 months history is required.    
xx 97493739 xx 561 561-882 xx Non-QM QC Complete Utah xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comments are available from xx/xx/xxxx to xx/xx/xxxx. However, the comments are missing from xx/xx/xxxx to xx/xx/xxxx as the latest 24 months comments are required.    
xx 3799721 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 3799721 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) As per the Pro-Title report, there is a one tax lien found open on the subject property for the amount of xx. The subject property is located in the state of Connecticut which is a super lien state. There is a risk of the property being foreclosed due to above unpaid liens. This can be cured by repayment of the unpaid lien along with late fees and unpaid interest.    
xx 3799721 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) As per the Pro-Title report, the subject mortgage is on second lien position as there is a one tax lien found open on the subject property for the amount of xx.    
xx 3799721 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 2) As per updated title report dated xx/xx/xxxx, the xx taxes are delinquent in the amount of xx.    
xx 3799721 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal report is missing in the loan file.    
xx 3799721 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Compliance Compliance Active B * ComplianceEase Exceptions Test Failed (Lvl 2) CT License Validation Test: FAIL
This loan failed the Connecticut license validation test.
First mortgage lender licenses and secondary mortgage lender licenses in existence on June 30th, 2008 shall be deemed on and
after July 1st, 2008, to be a mortgage lender license.
As of July 1, 2008 the Connecticut First Mortgage Lender License and the Connecticut Second Mortgage Lender License are no
longer valid. The Connecticut Mortgage Lender License is available for loans with a closing date before July 1st, 2008		    
xx 3799721 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Credit Doc Issue Active B * Application Missing (Lvl 2) The final application along with transmittal summary is missing in the loan file.    
xx 3799721 xx 561 561-882 xx Non-QM QC Complete Connecticut xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The payment history is available from xx/xx/xxxx to xx/xx/xxxx which is for 10 months. However, we require complete 12 months payment history. The payment history is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 3799721 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comment is available from xx/xx/xxxx to xx/xx/xxxx which is for 10 months. However, we require complete 24 months servicing comments. The servicing comments are missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 3799721 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the Connecticut license validation test.
First mortgage lender licenses and secondary mortgage lender licenses in existence on June 30th, 2008 shall be deemed on and after July 1st, 2008, to be a mortgage lender license. As of July 1, 2008 the Connecticut First Mortgage Lender License and the Connecticut Second Mortgage Lender License are no longer valid. The Connecticut Mortgage Lender License is available for loans with a closing date before July 1st, 2008.		    
xx 3799721 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to confirm operative index value from given loan files.    
xx 41956625 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 41956625 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 41956625 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An Appraisal report is missing from the loan file.    
xx 41956625 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application is missing in the loan file. however, values are updated as per initial application located at "xx".    
xx 41956625 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Operative Index Numerical Value Unavailable based on lender docs (Lvl 2) Operative index value is unavailable to determine from the available loan file.    
xx 41956625 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Property Active B * Subject property is located in a FEMA designated disaster area (recent). (Lvl 1) The subject property is located in a FEMA designated disaster area (recent).
However, as per the collection comments received as of xx/xx/xxxx, no comments were found pertaining damage to the subject property.		    
xx 37665839 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 37665839 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 37665839 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 37665839 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Application Not Signed by All Borrowers (Lvl 2) Final 1003 is not signed by borrower.    
xx 37665839 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 is not signed by borrower.    
xx 37665839 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file however, there is a estimated TIL available in the loan file located at (xx).    
xx 37665839 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) MI cert is missing from the loan file.    
xx 37665839 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed State Regulation for the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test.
As per loan data prohibited fees are $10.50 (Processing Fee), however allowed is $0.00, hence variance is +$10.50.		    
xx 37665839 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA APR test. APR is updated as 0.00% as Final TIL is missing.
The annual percentage rate (APR) is 6.679%. The disclosed APR of 0.000% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.		    
xx 37665839 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA for TILA APR test and State Regulation for New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test.    
xx 71914128 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 71914128 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 71914128 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Collection comment history is available from xx/xx/xxxx to xx/xx/xxxx,  as we require latest 24 months comment history.  However, it is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 71914128 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) Prohibited Fees Test: Loan data xx, comparison data $0.00, Variance +$2,291.81.
This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test.
The loan does charge fee(s) not provided for in this act, which is prohibited.
A person licensed as a mortgage broker shall have the right to charge only the following fees: (1) application fee; and (2)
discount points which may be labeled as an origination fee.		    
xx 71914128 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test.    
xx 23815807 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 23815807 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 23815807 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) The subject mortgage is in second lien position. As per updated title report there is Muni/ City/ Code Lien against the property found in the amount of xx. The subject property located in NJ State, which is a super lien state. There is a risk of the property to be getting foreclosure due to above unpaid liens.
“For further clarification we spoke to xx and he confirmed this lien is still active and attached to the subject property. We tried calling the collection company, xx to know the payoff status however it is going on hold.”		    
xx 23815807 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) The subject mortgage is in second lien position. As per updated title report there is Muni/ City/ Code Lien against the property found in the amount of xx. The subject property located in NJ State, which is a super lien state. There is a risk of the property to be getting foreclosure due to above unpaid liens.
“For further clarification we spoke to xx and he confirmed this lien is still active and attached to the subject property. We tried calling the collection company, xx to know the payoff status however it is going on hold.”		    
xx 23815807 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 23815807 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by borrower.    
xx 23815807 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index value is unable to confirm from available documents in the loan file.    
xx 23815807 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comment is available from xx/xx/xxxx to xx/xx/xxxx. however, we required latest 24 months servicing comment. Servicing comment is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 23815807 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test
As per final HUD-1, there is attorney review fee was charged in the amount of $175.00 which is comparison with $0.00 and variance is +$175.00.
The loan does charge fee(s) not provided for in this act, which is prohibited.
A person licensed as a mortgage broker shall have the right to charge only the following fees: (1) application fee; and (2)
discount points which may be labeled as an origination fee.
  Prohibited Fees Test: Result FAIL  Loan Data $175.00 Comparison Data$0.00 Variance+$175.00		    
xx 23815807 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test.    
xx 61712580 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 61712580 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 61712580 xx 561 561-882 xx Non-QM QC Complete Washington xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan file.    
xx 61712580 xx 561 561-882 xx Non-QM QC Complete Washington xx Valuation Property Active B * Property Damage (Lvl 2) BPO report dated xx/xx/xxxx shows, that the subject property needs some exterior paint for the amount of $3,500.00. The servicing comments do not reflect that this repair is done.    
xx 61712580 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Collection comments are  available from xx/xx/xxxx to xx/xx/xxxx.however ,the comments are missing from xx/xx/xxxx toxx/xx/xxxx as we required latest 24 months complete collection comments.    
xx 61712580 xx 561 561-882 xx Non-QM QC Complete Washington xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD-1 is not signed by borrower.    
xx 61712580 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) MI is missing from loan file.    
xx 61712580 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Doc Issue Active B * ROR Transaction date not consistent with Note and/or HUD (Lvl 2) ROR transaction date xx is not consistent with the note date which is xx.    
xx 61712580 xx 561 561-882 xx Non-QM QC Complete Washington xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 61712580 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) This loan failed the tax service fee test. Loan data $84.00, allowed is $0.00 hence variance is +$84.00
The loan charges a tax service fee. Mortgagors may not pay a tax service fee on mortgages endorsed for FHA-insurance		    
xx 51357728 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 51357728 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 51357728 xx 561 561-882 xx Non-QM QC Complete Virginia xx Data Edit Data Edit Active B * Deceased Borrower(s) (Lvl 3) According to the updated title report dated xx/xx/xxxx, the borrower,xx was deceased on xx. However, no details regarding the death certificate or probate has been found in the collection comments.

.		    
xx 51357728 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Compliance ease risk indicator shows moderate due to TILA Finance Charge Test & TILA Foreclosure Rescission Finance Charge Test failed.    
xx 51357728 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 is missing from the loan file. However, the income and expenses are updated from initial 1003.    
xx 51357728 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by all the borrowers.    
xx 51357728 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by all the borrowers.    
xx 51357728 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.
The finance charge is xx. The disclosed finance charge of xx is not considered accurate because it is understated by more than $100.
This loan failed the TILA foreclosure rescission finance charge test.
The finance charge is xx. The disclosed finance charge of xx is not considered accurate for purposes of rescission because it is understated by more than $35.		    
xx 87491490 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 87491490 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 3) Updated title report dated xx/xx/xxxx states that the year of xx combined annual taxes xx combined annual taxes xx combined annual taxes xx. Taxes for the current year appear outstanding and held in abeyance due to bankruptcy. The total of xx may constitute a superior lien once the current bankruptcy is discharged.    
xx 87491490 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report along with underwriting transmittal is missing from the loan file.    
xx 87491490 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Comment history is available from xx/xx/xxxx to xx/xx/xxxx. As we required latest 24 months comment history. However, comment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 87491490 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
xx 87491490 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is signed but not hand dated by borrower.    
xx 87491490 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the interest rate test.
The loan has an interest rate that does not conform to the requirements for the lender's license type in the state where the
property is located.		    
xx 87491490 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the Pennsylvania license validation test. (PA HB 2179 Section 6111)
The Pennsylvania HB 2179 requires non-exempt mortgage lenders engaged in the business of making mortgage loans to be
licensed, effective November 5th, 2008.
The Pennsylvania Mortgage Lender License and Pennsylvania Exemption Letter (Mortgage Act) are not available for loans with a
closing date before November 5th, 2008.		    
xx 87491490 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA finance charge test.
This loan failed the TILA foreclosure rescission finance charge test.
This loan failed the interest rate test.
This loan failed the Pennsylvania license validation test. (PA HB 2179 Section 6111).		    
xx 87491490 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * ComplianceEase Exceptions Test Failed (Lvl 2) This loan failed the TILA foreclosure rescission finance charge test.
The finance charge is xx. The disclosed finance charge of xx is not considered accurate for purposes of
rescission because it is understated by more than $35.
This loan failed the TILA finance charge test.
The finance charge is xx. The disclosed finance charge of xx is not considered accurate because it is
understated by more than $100.		    
xx 8405630 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 8405630 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 8405630 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) As per the ProTitle report Subject mortgage is on second lien position as there is an HOA lien in the favor of xx in the amount of xx.    
xx 8405630 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) As per updated title report, there is an HOA lien in favor of xx. The subject property has located the State of IL, which is a super lien state. There is a risk of the property to be getting foreclosed due to above unpaid lien. However, this is not in a state in which the subject mortgage may not be foreclosed out. It can be cured by paying off the above HOA lien.    
xx 8405630 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 2) As per Updated title report, xx County 1st and 2nd installments are delinquent in the cumulative amount of xx.    
xx 8405630 xx 561 561-882 xx Non-QM QC Complete Illinois xx Legal Docs Note / Mod Active B * Lost Note Affidavit (Lvl 3) Affidavit of lost Note is located at xx stating original Note has been lost or misplaced or damaged; however, the duplicate copy of note is available in the loan file.    
xx 8405630 xx 561 561-882 xx Non-QM QC Complete Illinois xx Data Edit Data Edit Active B * Deceased Borrower(s) (Lvl 3) According to the updated title report dated xx/xx/xxxx, the borrower,xx was deceased on xx. However, no details regarding the death certificate or probate has been found in the collection comments.

.		    
xx 8405630 xx 561 561-882 xx Non-QM QC Complete Illinois xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) As per Updated title report, no assignments found. Chain of the assignment is incomplete. Missing assignment to xx    
xx 8405630 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application along with transmittal is missing in the loan file.    
xx 8405630 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) PMI certificate is missing in the loan file.    
xx 8405630 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by the borrower.    
xx 8405630 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Servicing comments are available from xx/xx/xxxx to xx/xx/xxxx; however, we require latest 24 months of servicing comments. Servicing comments are missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 8405630 xx 561 561-882 xx Non-QM QC Complete Illinois xx Valuation Appraisal Active B * Variation in Parcel number(APN#) (Lvl 2) xx    
xx 8405630 xx 561 561-882 xx Non-QM QC Complete Illinois xx Legal Docs Title Issue Active B * Title issue (Lvl 1) xx     
xx 20790157 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 20790157 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 20790157 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 20790157 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Missing 22 months of Servicing Comments from prior servicer to complete a full 24 month review.  Comment history provided from current servicer is dated from xx/xx/xxxx to xx/xx/xxxx.    
xx 20790157 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by the borrowers.  The date is typed.    
xx 2055800 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 2055800 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 2055800 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 3) As per updated title report dated xx annual taxes are delinquent in the total amount of xx.    
xx 2055800 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report along with supporting document 1008 is missing in the loan file.    
xx 2055800 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Data Edit Data Edit Active B * Deceased Borrower(s) (Lvl 3) According to the updated title report dated xx/xx/xxxx, the borrower,xx was deceased on xx. However, no details regarding the death certificate or probate has been found in the collection comments.

.		    
xx 2055800 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 application along with transmittal is missing in the loan file.    
xx 2055800 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Legal Docs Doc Issue Active B * Missing Title evidence (Lvl 4) Final Title Policy at origination is missing in the loan file and there is no Commitment/preliminary report is available in the file either.    
xx 2055800 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing in the loan file.    
xx 2055800 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 2055800 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Servicing comments are available from xx/xx/xxxx to xx/xx/xxxx; however, we require latest 24 months servicing comments. Servicing comments are missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 2055800 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) The chain of assignment is incomplete as there is a break in chain of assignment from xx to xx.    
xx 2055800 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Modification Doc Issue Active B * Loan appears modified. Mod missing or unexecuted (Lvl 2) This is conventional fixed rate mortgage with P&I of $1,511.08 with the rate of interest 11.8800% and a maturity date of xx. The P&I as per payment history is $1,003 and the interest rate is 7.056%. It seems that loan has been modified with the new maturity date xx. The borrower has been making payment as per modified terms.  Because seller tape does not support a permanent modification. However, the adjustment of terms agreement is missing in the loan file. The values are updated from document located at " xx”    
xx 2055800 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA finance charge test.
The finance charge is xx. The disclosed finance charge of xx is not considered accurate because it is
understated by more than $100.
This loan failed the TILA foreclosure rescission finance charge test.
The finance charge is $xx. The disclosed finance charge of xx is not considered accurate for purposes of
rescission because it is understated by more than $35.
This loan failed the interest rate test.
The loan has an interest rate that does not conform to the requirements for the lender's license type in the state where the
property is located.
This loan failed the brokerage/finder fee test.
The mortgage loan charges a brokerage/finder fee that exceeds 2% of the total loan amount. Under the Tennessee Rules and
Regulations, brokerage fee is synonymous with finder fee.		    
xx 2055800 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) TILA Finance Charge Test: FAIL xx -$186.45
TILA Foreclosure Rescission Finance Charge Test: FAIL xx-$186.45
Interest Rate Test: FAIL 11.880% 8.530% +3.350%
Brokerage/Finder Fee Test: FAIL $4,081.57 $2,965.76 +$1,115.81		    
xx 2055800 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA Finance Charge Test: FAIL xx -$186.45
TILA Foreclosure Rescission Finance Charge Test: FAIL xx-$186.45
Interest Rate Test: FAIL 11.880% 8.530% +3.350%
Brokerage/Finder Fee Test: FAIL $4,081.57 $2,965.76 +$1,115.81		    
xx 2310355 xx 561 561-882 xx Non-QM QC Complete Kansas xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 2310355 xx 561 561-882 xx Non-QM QC Complete Kansas xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 2310355 xx 561 561-882 xx Non-QM QC Complete Kansas xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Collection Comments are incomplete. Latest 24 months of comment history required. They are available from xx/xx/xxxx to xx/xx/xxxx. Hence, it is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 2310355 xx 561 561-882 xx Non-QM QC Complete Kansas xx Legal Docs Doc Issue Active B * Amount of title insurance is less than mortgage amount (Lvl 2) Final Title policy reflects the amount of insurance as xx; However, the original loan amount as per note is in the amount of  xx    
xx 2310355 xx 561 561-882 xx Non-QM QC Complete Kansas xx Legal Docs Title Issue Active B * Title issue (Lvl 1) xx     
xx 2310355 xx 561 561-882 xx Non-QM QC Complete Kansas xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Late Fees Test:FAIL Loan Data 5.00% Comparison Data 2.713% Variance +2.287%    
xx 2310355 xx 561 561-882 xx Non-QM QC Complete Kansas xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand-dated by borrower.    
xx 2310355 xx 561 561-882 xx Non-QM QC Complete Kansas xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) The chain of assignment is incomplete as there is a break in chain of assignment from xx to xx.    
xx 2310355 xx 561 561-882 xx Non-QM QC Complete Kansas xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the late fees test. The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located.    
xx 24564815 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 24564815 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 24564815 xx 561 561-882 xx Non-QM QC Complete New York xx Valuation LTV Active B * LTV or CLTV exceeds 104% (Lvl 2) As per appraisal report dated xx. However, the original loan amount is xx. Hence, LTV or CLTV exceeds xx.    
xx 24564815 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 2) xx School annual taxes are delinquent in the amount of xx.    
xx 24564815 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by borrower.    
xx 24564815 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Servicing comment history is available from xx/xx/xxxx to xx/xx/xxxx. However, latest 24 months history is required and comment history is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 24564815 xx 561 561-882 xx Non-QM QC Complete New York xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) The chain of assignment is incomplete as there is a break in chain of assignment from xx to xx.    
xx 24564815 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA finance charge test. This loan failed the TILA foreclosure rescission finance charge test.    
xx 24564815 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA Finance Charge Test: FAIL xx -$108.85 This loan failed the TILA finance charge test. The finance charge is xx. The disclosed finance charge of xx is not considered accurate because it is understated by more than $100.  TILA Foreclosure Rescission Finance Charge Test: FAIL xx -$108.85 This loan failed the TILA foreclosure rescission finance charge test. The finance charge is xx. The disclosed finance charge of xx is not considered accurate for purposes of rescission because it is understated by more than $35.    
xx 46949738 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 46949738 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 46949738 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal report is missing in the loan file.    
xx 46949738 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Valuation Property Active B * Property is Manufactured Housing (Lvl 2) As per the Appraisal report dated xx, the subject property is Manufactured Home with VIN# xx. As per the Appraisers Manufactured Housing Checklist located at “xx”, the manufactured home attached to a permanent foundation system and towing hitch, wheels and axles have been removed.    
xx 46949738 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final Application is missing in the loan file along with transmittal summary report.    
xx 46949738 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by borrower.    
xx 46949738 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 46949738 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Legal Docs Doc Issue Active B * Title policy missing (Lvl 4) The final title policy at origination along with title commitment/preliminary title report is missing in the loan file. However, the values are updated from title search report.    
xx 30688354 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 30688354 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 30688354 xx 561 561-882 xx Non-QM QC Complete Michigan xx Credit Title Review Active B * Active Judgment Against Borrower (Lvl 3) Exception in final title policy reflects that there is Judgment against xx, in the amount of xx. HUD-1 does not show any pay off for this judgment. Updated title is clear.    
xx 30688354 xx 561 561-882 xx Non-QM QC Complete Michigan xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) PMI certificate is missing in the loan file.    
xx 30688354 xx 561 561-882 xx Non-QM QC Complete Michigan xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by borrowers.    
xx 30688354 xx 561 561-882 xx Non-QM QC Complete Michigan xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Servicing comments is available from xx/xx/xxxx to xx/xx/xxxx; however, we require latest 24 months of servicing comments. Servicing comments is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 73290527 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 73290527 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 73290527 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 73290527 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Credit Title Review Active B * Active Judgment Against Borrower (Lvl 3) As per updated title report dated xx/xx/xxxx there active prior judgments found pending against the subject property are as follows:
1) There is an active judgment against the subject property in favor of xx.
2) There is an active judgment against the subject property in favor of xx.		    
xx 73290527 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Available comment history is incomplete as required for 24 months. Comment history is available from xx/xx/xxxx to xx/xx/xxxx and missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 73290527 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Credit Credit Active B * HUD-1 Closing Statement missing or unsigned (Lvl 3) Available copy of HUD-1 contains some hand written fees. Borrower signed on same the copy of HUD-1 and the settlement date is same as the note date. However, this copy of HUD-1 is considered as final HUD-1.    
xx 73290527 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final Application is missing from the loan file    
xx 73290527 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by the borrower    
xx 26139102 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal is missing from loan file, and also underwriting transmittal is not available.    
xx 26139102 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) As per updated title report dated xx/xx/xxxx, the chain of assignment is incomplete as currently the assignment is with xx; however it should be with the current assignee "xx "    
xx 26139102 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
xx 26139102 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 is missing from loan file, and also Itemization , Amended HUD-1 are not available.    
xx 26139102 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from loan file.    
xx 26139102 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The collection comments are available from xx/xx/xxxx to xx/xx/xxxx. As we require latest 24 months collection comments for review, the collection comment are missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 36387481 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 36387481 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 36387481 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Title Review Active B * Title Rvw shows prop. owner of record is not borr. (Lvl 2) At origination there is one borrower "xx" in loan but Pro-title report confirms current owner "xx". However Deed and Mortgage is signed by both the borrowers.    
xx 36387481 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Valuation Valuation Active B *  Property value crammed down (Lvl 3) xx     
xx 36387481 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by borrower.    
xx 36387481 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Not all borrowers signed TIL (Lvl 2) Final TIL is not signed by borrower.    
xx 36387481 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) MI Cert is missing from the loan file.    
xx 36387481 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) Pro-title report states no chain of assignment is found.    
xx 36387481 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The comments history is available from xx/xx/xxxx to xx/xx/xxxx, however, we require complete 24 months collection comments. Collection comments is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 77282116 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 77282116 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 77282116 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) As per the Pro-title report dated xx/xx/xxxx the Subject mortgage is on second lien position as there is an active senior mortgage prior to the subject Mortgage in the favor of xx. The subject mortgage was originated on xx.    
xx 77282116 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) The subject mortgage was recorded on xx. The updated title report dated xx/xx/xxxx shows there is an active senior mortgage prior to the subject Mortgage, In the favor of xx. Final Hud-1 does not show pay off to xx. Final Title Policy at the origination does not reflect any exception and updated title also show no release found for a senior mortgage. It shows a clear title. Possible title claim can be filed. Hence the subject mortgage is not at risk of the unreleased lien.    
xx 77282116 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index value could not be sourced from the available loan files.    
xx 77282116 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 77282116 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) The right of Rescission is missing from the loan file.    
xx 77282116 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 66745084 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 66745084 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 66745084 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx     
xx 66745084 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) Subject mortgage is in 2nd lien position as there is an active state tax lien (RE Tax) against xx.    
xx 66745084 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 2) xx Combined Jurisdiction Annual Installment taxes are Delinquent in the amount of xx.    
xx 66745084 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Title Review Active B * Active State Tax Lien Judgement. (Lvl 2) There is one state tax lien against the borrower in the favor of xx.    
xx 38715254 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 38715254 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 38715254 xx 561 561-882 xx Non-QM QC Complete Alabama xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 38715254 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) Currently, the subject mortgage is in 2nd lien position as there is an active prior mortgage found in the updated title report in the amount of xx; however, this prior mortgage is not showing an exception in schedule-B in final title policy and final is showing the pay off for Citi Financial in the amount of xx.
This can be cured if the release/satisfaction for this prior mortgage available.		    
xx 38715254 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) There is an active prior mortgage found in the updated title report in the amount of xx which was recorded on xx.    
xx 38715254 xx 561 561-882 xx Non-QM QC Complete Alabama xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) As per updated title report, the chain of assignment is incomplete as there are no assignments were found. The current assignee should be "xx "    
xx 38715254 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 is missing from loan file.    
xx 38715254 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) MI cert is missing from loan file. Original LTV exceed of threshold xx%.    
xx 38715254 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by borrower.    
xx 38715254 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The collection comments are available from xx/xx/xxxx to xx/xx/xxxx. As we require latest 24 months collection comments for review, the collection comment are missing from xx/xx/xxxx to xx/xx/xxxx    
xx 63944695 xx 561 561-882 xx Non-QM QC Complete Missouri xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 63944695 xx 561 561-882 xx Non-QM QC Complete Missouri xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 63944695 xx 561 561-882 xx Non-QM QC Complete Missouri xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) 1. This loan failed the first lien prohibited fees test as the loan has fees that are prohibited for this license type.

2. This loan failed the origination fee and broker fee test as the loan does not have DIDMCA preemption selected and the sum of the origination fee and all broker fees is greater than 1%.

Broker Fees Test: FAIL    Loan data: xx Comparison data: $0.00             Variance: +$7,916.00		    
xx 63944695 xx 561 561-882 xx Non-QM QC Complete Missouri xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) CE risk indicator is 'Moderate' as this loan failed the first lien prohibited fees test and it's failed the origination fee and broker fee test.    
xx 63944695 xx 561 561-882 xx Non-QM QC Complete Missouri xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
xx 63944695 xx 561 561-882 xx Non-QM QC Complete Missouri xx Compliance Compliance Active B * Operative Index Numerical Value Unavailable based on lender docs (Lvl 2) Operative index numerical value is unavailable as the supportive documents such as Loan program disclosure/Rate lock agreement/Closing instruction are missing from the loan file.    
xx 63944695 xx 561 561-882 xx Non-QM QC Complete Missouri xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 63944695 xx 561 561-882 xx Non-QM QC Complete Missouri xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 63944695 xx 561 561-882 xx Non-QM QC Complete Missouri xx Legal Docs Legal Docs Active B * Updated title review shows IRS / vehicle / federal / personal tax liens (Lvl 2) There is a "Notice of Federal Tax Lien" against xx.    
xx 29458730 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 29458730 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 29458730 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 29458730 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing in the loan file.    
xx 29458730 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 29458730 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) The chain of assignment is incomplete as there is a break in chain of assignment from xx to xx.    
xx 29458730 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test.    
xx 29458730 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test. The loan does charge fee(s) not provided for in this act, which is prohibited. A person licensed as a mortgage broker shall have the right to charge only the following fees: (1) application fee; and (2) discount points which may be labeled as an origination fee.    
xx 7416728 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 7416728 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 7416728 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 4) xx    
xx 7416728 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Valuation LTV Active B * LTV or CLTV exceeds 104% (Lvl 2) Original loan amount is xx and Appraisal Value is xx which is less than original loan amount; however, LTV/CLTV more than xx%.    
xx 7416728 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by borrower.    
xx 7416728 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) The chain of assignment is incomplete as there is a break in chain of assignment from xx to xx.    
xx 7416728 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) xx    
xx 7416728 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 73176409 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 73176409 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 73176409 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal report is missing from the loan file. However, values are updated as per appraisal report dated xx    
xx 73176409 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) As per updated title report dated xx/xx/xxxx, the chain of the assignment is incomplete. The last assignment was done from xx.    
xx 73176409 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 73176409 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 73176409 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application along with transmittal summary is missing in the loan file.    
xx 73176409 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by the borrower.    
xx 73176409 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 73176409 xx 561 561-882 xx Non-QM QC Complete Florida xx Modification Doc Issue Active B * Loan appears modified. Mod missing or unexecuted (Lvl 2) The loan was originated on xx with fixed rate of 10.140% and P&I of $2081.20 with the maturity date of xx. As per payment history tape data the current interest rate is 6.000% with the P&I of $1440.63 with deferred balance  of $4054.67. There is reduction in interest rate and P&I and terms but there is no permanent modification done. The interest rate has changed due to Adjustment of Terms Agreement  located at (xx) files which contains the same interest rate and monthly P&I and term extended, which is  executed by lender not borrower and also seller tape data does not support a permanent modification.    
xx 73176409 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Property Active B * Subject property is located in a FEMA designated disaster area (recent). (Lvl 1) The subject property is located in a FEMA designated disaster area (recent).
However, as per the collection comments received as of xx/xx/xxxx, no comments were found pertaining damage to the subject property.		    
xx 68826877 xx 561 561-882 xx Non-QM QC Complete Colorado xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 68826877 xx 561 561-882 xx Non-QM QC Complete Colorado xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 68826877 xx 561 561-882 xx Non-QM QC Complete Colorado xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 3) MI Certificate is missing from the loan file.    
xx 22915999 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 22915999 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 22915999 xx 561 561-882 xx Non-QM QC Complete Virginia xx Data Edit Data Edit Active B * Litigation (Lvl 2) The foreclosure action was contested by the borrower and the litigation or pleading action was filed on xx/xx/xxxx. The sale was canceled due to the loan was in active litigation. The litigation action was resolved on xx/xx/xxxx.
Currently, the foreclosure is on hold because the borrower has filed bankruptcy on xx/xx/xxxx.		    
xx 22915999 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 3) The MI certificate is missing in the loan file , however the loan is conventional.    
xx 22915999 xx 561 561-882 xx Non-QM QC Complete Virginia xx Legal Docs Title Issue Active B * Title issue (Lvl 3) xx    
xx 22915999 xx 561 561-882 xx Non-QM QC Complete Virginia xx Valuation Appraisal Active B * Variation in Parcel number(APN#) (Lvl 3) xx    
xx 3214372 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 3214372 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 3214372 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Data Edit Data Edit Active B * Deceased Borrower(s) (Lvl 3) According to the updated title report dated xx/xx/xxxx, the borrower,xx was deceased on xx. However, no details regarding the death certificate or probate has been found in the collection comments.

.		    
xx 3214372 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 3214372 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase risk indicator is moderate as loan is failing for State Regulations.    
xx 3214372 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 3) Mortgage Insurance certificate is missing from the loan file.    
xx 3214372 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 3214372 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 3214372 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the broker originator total net income test.
The mortgage loan charges a total net income which exceeds $2,000 or four percent (4%) of the total loan amount, whichever is
greater		    
xx 49006729 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 49006729 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 49006729 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 2) xx    
xx 49006729 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Comment history is available from xx/xx/xxxx till xx/xx/xxxx. Comment history is missing from xx/xx/xxxx tillxx/xx/xxxx as we require latest 24 months comment history.    
xx 49006729 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final Application is missing from the loan file.    
xx 49006729 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by the borrower.    
xx 49006729 xx 561 561-882 xx Non-QM QC Complete Virginia xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The payment history is available from xx/xx/xxxx to xx/xx/xxxx. However, we require latest 12 months of payment history. The payment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 48053444 xx 561 561-882 xx Non-QM QC Complete Montana xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 48053444 xx 561 561-882 xx Non-QM QC Complete Montana xx Compliance Compliance Active B * ComplianceEase Exceptions Test Failed (Lvl 2) ComplainceEase exception test failed due to MT License Validation Test fail.
This loan failed the Montana license validation test. (MT HB 69, MCA §32-10-101)
The Montana Residential Mortgage Lender Licensing Act requires non-exempt mortgage lenders engaged in the business of
making residential loans to be licensed under the Act by October 2, 2008. After this date, lenders are no longer allowed to make
loans under the Montana Consumer Loan Act or its corresponding Exemption Letter.
The Montana Residential Mortgage Lender License and its corresponding Exemption Letter (Residential Mortgage Lender Act)
are not available for loans with a closing date before October 1, 2008.		    
xx 48053444 xx 561 561-882 xx Non-QM QC Complete Montana xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplainceEase risk indicator is moderate due to TILA Right of Rescission Test fail, MT License Validation Test fail.
This loan failed the Montana license validation test. (MT HB 69, MCA §32-10-101)
The Montana Residential Mortgage Lender Licensing Act requires non-exempt mortgage lenders engaged in the business of
making residential loans to be licensed under the Act by October 2, 2008. After this date, lenders are no longer allowed to make
loans under the Montana Consumer Loan Act or its corresponding Exemption Letter.
The Montana Residential Mortgage Lender License and its corresponding Exemption Letter (Residential Mortgage Lender Act)
are not available for loans with a closing date before October 1, 2008.		    
xx 48053444 xx 561 561-882 xx Non-QM QC Complete Montana xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
xx 48053444 xx 561 561-882 xx Non-QM QC Complete Montana xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand Dated by the borrower.    
xx 48053444 xx 561 561-882 xx Non-QM QC Complete Montana xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Servicing comments are available in the file from xx/xx/xxxx to xx/xx/xxxx; however, we require latest 24 months comments history; Servicing comments are missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 24590797 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 24590797 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 24590797 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 24590797 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) LTV is xx  which is greater than xx hence MI certificate is required; however, it is missing from the loan file.    
xx 24590797 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by borrower.    
xx 24590797 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) The final TIL is not hand dated by borrower.    
xx 24590797 xx 561 561-882 xx Non-QM QC Complete California xx Modification Doc Issue Active B * Loan appears modified. Mod missing or unexecuted (Lvl 4) This is conventional fixed rate mortgage with P&I of $xx with the rate of interest 3.00%. The P&I as per payment history is the $xx and with the rate of interest is 3.00 %, however, there is a reduction in P&I and rate of interest with respect to Note data which seems that there would be a possibility of modification.
As per tape data, the loan has been modified on xx  with a modified principal balance of $xx Also, Comment dated xx/xx/xxxx states that final mod in the process. The borrower is making payment as per modified terms. However, Modification agreement is missing in the file.		    
xx 34182009 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 34182009 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 34182009 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal is missing from the loan file.    
xx 34182009 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 34182009 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Title Review Active B * Active Judgment Against Borrower (Lvl 3) As per Updated title report dated xx/xx/xxxx, there are following civil judgments which was recorded prior to the subject mortgage:
1) There are 3 civil judgments in the  amount of $469.25, $60.00 and $50.00 were recorded on xx respectively.
2) There is a civil judgment against xx.		    
xx 34182009 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final Hud-1 is avaliable in the loan file however, the borrower signed copy is missing from the loan file.    
xx 34182009 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
xx 47411929 xx 561 561-882 xx Non-QM QC Complete Illinois xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan file.    
xx 47411929 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) As final TIL is missing from the loan file, we considered the APR as 0.000% to run ComplianceEase.    
xx 47411929 xx 561 561-882 xx Non-QM QC Complete Illinois xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 47411929 xx 561 561-882 xx Non-QM QC Complete Illinois xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) Chain of assignment is incomplete. Current assignment is from xx.    
xx 47411929 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase Risk indicator indicates "Moderate" due to TILA APR test fail.
TILA APR Test: Result FAIL Loan Data 0.000% Comparison Data 6.770%  Variance-6.770%.		    
xx 47411929 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * Application Missing (Lvl 2) Missing Final Application.  For audit purposes, data was used from the Initial Application.    
xx 47411929 xx 561 561-882 xx Non-QM QC Complete Illinois xx Data Edit Data Edit Active B * Litigation (Lvl 2) The serving comment shows that the loan is under litigation; however, litigation issue details were not found in the collection comment only states that the litigation was resolved per comment dated xx/xx/xxxx.    
xx 47411929 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA APR test. ( 12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4) )
The annual percentage rate (APR) is 6.770%. The disclosed APR of 0.000% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.		    
xx 91595828 xx 561 561-882 xx Non-QM QC Complete Georgia xx Valuation Property Active B * Property Damage (Lvl 2) As per comment dated xx/xx/xxxx, there were some repairs, which were done. But, still needed some interior paint and trim work. As per BPO report dated xx/xx/xxxx,the subject property is in average condition with no repairs and damages noted.    
xx 91595828 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 91595828 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Credit Active B * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final Hud-1 is available in the loan file; the Points and fees available in HUD-1 are not complete. Points and fees from 801 to 807 are missing. Hence, points and fees of the same are updated as per Itemization located at "xx".    
xx 91595828 xx 561 561-882 xx Non-QM QC Complete Georgia xx Legal Docs Doc Issue Active B * Title policy missing (Lvl 3) Final Title policy is missing from the loan file ; however commitment was found in the loan file at "xx"    
xx 91595828 xx 561 561-882 xx Non-QM QC Complete Georgia xx Legal Docs Doc Issue Active B * Amount of title insurance is less than mortgage amount (Lvl 3) Final TPOL is missing. As per commitment, the title insurance amount is xx which is less than the original loan amount of xx    
xx 91595828 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) This loan failed the predatory lending guidance test due to one or more of the following findings:
The loan failed the allowable points and fees test.
This loan failed the points and fees test. (Fannie Mae Lender Letter Ann. 06-04)
The points and fees charged to the borrower exceed the greater of 5% of the mortgage amount or $1,000.
This loan failed the points and fees test. (Freddie Mac Industry Letter xx/xx/xxxx)
The points and fees charged to the borrower exceed 5% of the mortgage amount, or $1,000 for mortgage amounts of $20,000 or
less.
Note, no more than two "Bona Fide - GSE" discount points are excluded from the calculation of the points and fees for purposes
of this test.		    
xx 1231086 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Valuation Property Active B * Property Damage (Lvl 2) As per documents located at “xx”, the plumbing system of the subject property was damaged due to water on xx. The estimated cost of damage was in the amount of $ 17151.04.
The claim was filed by the borrower with the claim# xx. The borrower has received two loss draft cheques in the amount of $11,781.04 and $5370.00 with cheque #xx respectively. As per the letter of satisfaction dated xx, the restoration, repairs, and improvements were completed and the property was claimed in better condition than the existed prior to the loss and with satisfied repairs.
Also, as per comment dated xx/xx/xxxx, the 100 % work has been completed per the last inspection. The borrower has paid cash for repairs.
Latest BPO report dated xx/xx/xxxx does not reflect any damage to the subject property.		    
xx 1231086 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) As per review of the updated title report dated xx/xx/xxxx, the chain of the assignment is incomplete. Currently, the assignment is from xx.    
xx 1231086 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 1231086 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to confirm operative index value due to supporting documents are missing from loan file    
xx 54005091 xx 561 561-882 xx Non-QM QC Complete Missouri xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report along with underwriting transmittal is missing from the loan file.    
xx 54005091 xx 561 561-882 xx Non-QM QC Complete Missouri xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 54005091 xx 561 561-882 xx Non-QM QC Complete Missouri xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) Chain of assignment is incomplete. Currently the assignment is with xx.    
xx 54005091 xx 561 561-882 xx Non-QM QC Complete Missouri xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application along with the transmittal summary are missing from the loan file.    
xx 54005091 xx 561 561-882 xx Non-QM QC Complete Missouri xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is signed but not hand dated by the borrower.    
xx 54005091 xx 561 561-882 xx Non-QM QC Complete Missouri xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) MI certificate is missing from the loan files.    
xx 54005091 xx 561 561-882 xx Non-QM QC Complete Missouri xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing in the loan files.    
xx 54005091 xx 561 561-882 xx Non-QM QC Complete Missouri xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 54005091 xx 561 561-882 xx Non-QM QC Complete Missouri xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the broker fees test due to one or more of the following findings: (Division Guidance on Broker Compensation)
The loan has DIDMCA preemption selected, collects fees from the borrower that directly compensate the broker and the sum of all broker fees is greater than 1%; or The loan does not have DIDMCA preemption selected and collects broker fees in any amount from both the lender and the borrower; or
The loan does not have DIDMCA preemption selected and the sum of all broker fees paid by the borrower exceeds 1%; or
The loan does not have DIDMCA preemption selected or defaulted and the sum of all broker fees paid by the lender
exceeds 1%.
For this loan:
The fees collected from the borrower that directly compensate the broker are $2,314.00;
The fees collected from the lender that directly compensate the broker are $0.00;
The total fees collected from both the borrower and the lender that directly compensate the broker are $2,314.00.
This loan failed the origination fee and broker fee test. (MRS §408.052 1.)
The loan does not have DIDMCA preemption selected and the sum of the origination fee and all broker fees is greater than 1%.		    
xx 54005091 xx 561 561-882 xx Non-QM QC Complete Missouri xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA finance charge test.
This loan failed the TILA foreclosure rescission finance charge test.
This loan failed the TILA right of rescission test.
This loan failed the broker fees test due to one or more of the following findings:(Division Guidance on Broker Compensation)
This loan failed the origination fee and broker fee test.		    
xx 54005091 xx 561 561-882 xx Non-QM QC Complete Missouri xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) )
The finance charge is $330,396.93. The disclosed finance charge of $329,662.40 is not considered accurate because it is
understated by more than $100.
This loan failed the TILA foreclosure rescission finance charge test. ( 12 CFR §1026.23(h) , transferred from 12 CFR
§226.23(h) )
The finance charge is $330,396.93. The disclosed finance charge of $329,662.40 is not considered accurate for purposes of
rescission because it is understated by more than $35.
This loan failed the TILA right of rescission test.
Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) ,
transferred from 12 CFR §226.15(a)(3) )
The funding date is before the third business day following consummation.
The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the
notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last.		    
xx 76336574 xx 561 561-882 xx Non-QM QC Complete California xx Credit DTI Active B * DTI > 60% (Lvl 2) As per final application the total monthly income is in the amount of $7,100.00 and the total monthly expenses is in the amount of $5,053.41 hence, DTI is 71.175% which is exceeding 60%.    
xx 76336574 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 76336574 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * ROR Transaction date not consistent with Note and/or HUD (Lvl 2) As per ROR the transaction date is xx. The final HUD-1 shows settlement date as xx; however, the original note is dated as xx. Hence, ROR transaction date is not consistent with original note and final HUD-1.    
xx 76336574 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 76336574 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
xx 76336574 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Not all borrowers signed TIL (Lvl 2) Final TIL is not signed by the borrower.    
xx 76336574 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by the borrower.    
xx 76336574 xx 561 561-882 xx Non-QM QC Complete California xx Credit Credit Active B * HUD-1 Closing Statement missing or unsigned (Lvl 3) The final HUD-1 is illegible as the section 303 of final HUD-1 is not properly scanned.    
xx 76336574 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Property Active B * Subject property is located in a FEMA designated disaster area (recent). (Lvl 1) The subject property is located in a FEMA designated disaster area (recent).
However, the collection comments received as of xx/xx/xxxx and the inspection report dated xx/xx/xxxx does not reflect damage to the subject property.		    
xx 76336574 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to confirm operative index from the loan file.    
xx 35706152 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 35706152 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application along with the transmittal summary are missing from the loan file.    
xx 35706152 xx 561 561-882 xx Non-QM QC Complete Ohio xx Legal Docs Doc Issue Active B * Title policy missing (Lvl 3) Final title policy is missing in the loan file; however, values are updated as per the Commitment.    
xx 35706152 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Credit Active B * HUD-1 Closing Statement missing or unsigned (Lvl 3) HUD-1/Settlement statement is available in the loan file. However, the available copy is illegible.    
xx 35706152 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 35706152 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to confirm operative index value from the loan files.    
xx 37186865 xx 561 561-882 xx 2000000698 QC Complete Pennsylvania xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 37186865 xx 561 561-882 xx 2000000698 QC Complete Pennsylvania xx NPL NPL Active B * Payment History is not Complete (Lvl 3) Available payment history is incomplete as required latest 12 months. The Payment history is available from xx/xx/xxxx toxx/xx/xxxx. Payment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 37186865 xx 561 561-882 xx 2000000698 QC Complete Pennsylvania xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Latest collection comment are available from xx/xx/xxxx toxx/xx/xxxx, xx/xx/xxxx to xx/xx/xxxx,xx/xx/xxxx toxx/xx/xxxx andxx/xx/xxxx toxx/xx/xxxx. However, we required latest 24 months comment history. Comment history is missing from xx/xx/xxxx toxx/xx/xxxx,xx/xx/xxxx toxx/xx/xxxx, xx/xx/xxxx toxx/xx/xxxx andxx/xx/xxxx toxx/xx/xxxx.    
xx 37186865 xx 561 561-882 xx 2000000698 QC Complete Pennsylvania xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 37186865 xx 561 561-882 xx 2000000698 QC Complete Pennsylvania xx NPL General Active B * Describe the BK payment plan (Lvl 3) xx    
xx 37186865 xx 561 561-882 xx 2000000698 QC Complete Pennsylvania xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 37186865 xx 561 561-882 xx 2000000698 QC Complete Pennsylvania xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the predatory lending guidance test due to one or more of the following findings:
The loan failed the allowable points and fees test.
The loan exceeds the HOEPA APR threshold for primary residences.
The loan exceeds the HOEPA points and fees threshold for primary residences.
This loan failed the points and fees test. Loan data is $3,006.22, comparison data is $2,470.00 and variance is 536.22.
Interest Rate Test: failed loan data is 11.625%, comparison data is 7.250% and variance is 4.375.		    
xx 37186865 xx 561 561-882 xx 2000000698 QC Complete Pennsylvania xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the predatory lending guidance test due to one or more of the following findings:
The loan failed the allowable points and fees test.
The loan exceeds the HOEPA APR threshold for primary residences.
The loan exceeds the HOEPA points and fees threshold for primary residences.
This loan failed the points and fees test.
The points and fees charged to the borrower exceed the greater of 5% of the mortgage amount or $1,000.		    
xx 37186865 xx 561 561-882 xx 2000000698 QC Complete Pennsylvania xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to determine the operative index value based on available loan files.    
xx 17627572 xx 561 561-882 xx 2000000663 QC Complete Pennsylvania xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report along with supporting document 1008 is missing in the loan file.    
xx 17627572 xx 561 561-882 xx 2000000663 QC Complete Pennsylvania xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application along with the transmittal summary are missing from the loan file.    
xx 17627572 xx 561 561-882 xx 2000000663 QC Complete Pennsylvania xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing in the loan file.    
xx 17627572 xx 561 561-882 xx 2000000663 QC Complete Pennsylvania xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) HUD-1 along with estimated HUD-1 and itemization is missing in the loan file.    
xx 17627572 xx 561 561-882 xx 2000000663 QC Complete Pennsylvania xx NPL NPL Active B * Payment History is not Complete (Lvl 3) Payment history is available from xx/xx/xxxx toxx/xx/xxxx; however, we require complete 12 months payment history. Payment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 17627572 xx 561 561-882 xx 2000000663 QC Complete Pennsylvania xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing in the loan files.    
xx 17627572 xx 561 561-882 xx 2000000663 QC Complete Pennsylvania xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 17627572 xx 561 561-882 xx 2000000663 QC Complete Pennsylvania xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 17627572 xx 561 561-882 xx 2000000663 QC Complete Pennsylvania xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to confirm the operative index value from the loan files.    
xx 46253359 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Guidelines Active B * Cash out purchase (Lvl 2) As per final HUD-1, though the transaction is purchase the amount of xx is given to the borrower; however, no earnest money deposit has found in the final HUD-1.    
xx 46253359 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 46253359 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 46253359 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 2) xx    
xx 46253359 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) MI cert is missing from the loan file.    
xx 69631480 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Application Missing (Lvl 2) Missing Final Application.  For audit purposes, data was used from the Initial Application.    
xx 69631480 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index numerical value is unable to determine from the given lenders documents.    
xx 69631480 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 35435777 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Valuation Doc Issue Active B * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 2) Appraisal incomplete due to the first page of appraisal is not properly scanned and we are not able to identify the subject property address.    
xx 35435777 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Valuation Property Active B * Property Damage (Lvl 2) As per the collection comment dated xx/xx/xxxx, the property had some damages. Unable to determine the nature of the damage. The borrower had received loss draft checks from xx in the total amount of $13344.96 for repairs.    
xx 35435777 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Legal Docs Doc Issue Active B * Title policy missing (Lvl 3) Final title policy is missing from the loan file; however, Commitment title is available in the loan file and values updated as per the same.    
xx 35435777 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 35435777 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 82690351 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Valuation Property Active B * Property Damage (Lvl 2) As per servicing comment dated on xx/xx/xxxx,  roof was damage due to water. however, latest BPO (Doc locator#xx) dated on xx/xx/xxxx, subject property is occupied by owner and  average condition.    
xx 82690351 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 2) As per pro-title report dated xx/xx/xxxx, the water and sewer bills are delinquent in the amount of xx    
xx 82690351 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Legal Docs Doc Issue Active B * Title policy missing (Lvl 3) Final title policy is missing from the loan file. however, Title commitment is available in the loan file.    
xx 82690351 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 82690351 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 82690351 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 36176746 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Valuation Property Active B * Property Damage (Lvl 2) As per comment dated xx/xx/xxxxthe subject property was damaged due to the high wind that come from the storm and huge tree fell in his yard and sewage was damaged. There is no information regarding claim filing but the two down payments has been out 1st in the amount of $1600.00 on xx/xx/xxxx and second in the amount of $2100.00 on xx/xx/xxxx.
No comment regarding damages has been repaired or not.  
However, as per available BPO report dated xx/xx/xxxx, The property is occupied by Unknown party. The exterior condition of the subject property is good.
No damage was found to the subject property in the BPO report.		    
xx 36176746 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
xx 36176746 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) The chain of assignment is incomplete as there is a break in chain of assignment from xx to xx.    
xx 67427436 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) Chain of assignment is incomplete. Currently the assignment is with xx.    
xx 67427436 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase risk indicator is moderate as the loan is failing for TILA foreclosure rescission finance charge test and state regulation test.    
xx 67427436 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by all the borrowers.    
xx 67427436 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the interest rate test.
Loan data shows 11.490%; comparison data shows 9.660%; however, variance is +1.830%.
The loan has an interest rate that does not conform to the requirements for the lender's license type in the state where the
property is located.		    
xx 67427436 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA foreclosure rescission finance charge test.
Loan data shows $69,120.17, comparison data shows $69,163; however, the variance is -$42.88.
The finance charge is $69,163.05. The disclosed finance charge of $69,120.17 is not considered accurate for purposes of
rescission because it is understated by more than $35.		    
xx 41639767 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 2) xx borough annual taxes are delinquent in the amount of $312.93.
xx County annual taxes are delinquent in the amount of $584.14.
xx annual school taxes are delinquent for the amount of $2,636.36.		    
xx 41639767 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) Illegible copy of ROR is available in the loan file as a signature section of the borrower is not properly seen.    
xx 41639767 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative Index value could not be sourced from available documents.    
xx 41639767 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) The chain of assignment is incomplete as there is a break in chain of assignment from xx to xx.    
xx 41639767 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Legal Docs Doc Issue Active B * Title policy missing (Lvl 3) The final title policy is missing in the loan file. However, the commitment is located at 'xx'.    
xx 41639767 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) This loan failed the predatory lending guidance test.
This loan failed the predatory lending guidance test.		    
xx 56301433 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application along with the transmittal summary are missing from the loan file.    
xx 56301433 xx 561 561-882 xx Non-QM QC Complete California xx Credit Credit Active B * HUD-1 Closing Statement missing or unsigned (Lvl 3) HUD-1 along with the estimated HUD-1 is missing in the loan file; however, the values are updated as per Itemization located at (xx).    
xx 56301433 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) The chain of assignment is incomplete as there is a break in chain of assignment from xx to xx.    
xx 56301433 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 2) xx    
xx 56301433 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Property Active B * Subject property is located in a FEMA designated disaster area (recent). (Lvl 1) The subject property is located in a FEMA designated disaster area (recent).
However, the collection comments received as of xx/xx/xxxx and the inspection report dated xx/xx/xxxx does not reflect damage to the subject property.		    
xx 86386376 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
xx 86386376 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Not all borrowers signed TIL (Lvl 2) Final TIL is not signed by the borrower.    
xx 86386376 xx 561 561-882 xx Non-QM QC Complete Georgia xx Legal Docs Doc Issue Active B * Condo / PUD rider Missing (Lvl 2) PUD rider is missing from the loan file however it is required.    
xx 86386376 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 36149303 xx 561 561-882 xx Non-QM QC Complete Michigan xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan file.    
xx 36149303 xx 561 561-882 xx Non-QM QC Complete Michigan xx Credit Guidelines Active B * Cash out purchase (Lvl 2) As per HUD-1, there is Cash to in the amount of $600 and the transaction is Purchase transaction.    
xx 36149303 xx 561 561-882 xx Non-QM QC Complete Michigan xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) Chain of the assignment is incomplete. The last assignment was in between xx.    
xx 36149303 xx 561 561-882 xx Non-QM QC Complete Michigan xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) PMI certificate is missing in the loan files.    
xx 36149303 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to confirm the operative  index value from the loan file.    
xx 21424846 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal is missing from the loan file.    
xx 21424846 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase risk indicator is moderate as the loan is failing for TILA APR test.    
xx 21424846 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application along with the transmittal summary are missing from the loan file.    
xx 21424846 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD-1 is not signed by all the borrowers.    
xx 21424846 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 21424846 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 21424846 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) The chain of assignment is incomplete as there is a break in chain of assignment from xx to xx.    
xx 21424846 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Property Active B * Subject property is located in a FEMA designated disaster area (recent). (Lvl 1) The subject property is located in a FEMA designated disaster area (recent).
However, as per the collection comments received as of xx/xx/xxxx, no comments were found pertaining damage to the subject property.		    
xx 21424846 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Title Issue Active B * Title issue (Lvl 3) xx    
xx 21424846 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA APR test as the TIL is missing from the loan file.
Loan data shows 0.000%, comparison data shows 6.113%; however, the variance is -6.113%.
The annual percentage rate (APR) is 6.113%. The disclosed APR of 0.000% is not considered accurate because it is more than
1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.		    
xx 35797996 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Signatures at closing - There is an issue with not all property owners signing the title. (Lvl 4) xx    
xx 35797996 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) MI cert is missing from the loan file.    
xx 35797996 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by the borrower.    
xx 35797996 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The modification agreement dated xx shows the unpaid principal balance is in the amount of $xx in which the lender agrees to forgive or Write off principal is in the amount of $xx, which is exceeding 2% of modified unpaid principle amount.    
xx 64892391 xx 561 561-882 xx Non-QM QC Complete Mississippi xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) As per the modification agreement made on xx in which the lender agrees to forgive the principal in the amount of $xx which exceeds the 2% of the UPB.    
xx 64892391 xx 561 561-882 xx Non-QM QC Complete Mississippi xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 64892391 xx 561 561-882 xx Non-QM QC Complete Mississippi xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 64892391 xx 561 561-882 xx Non-QM QC Complete Mississippi xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) LTV exceeds the threshold of xx, MI certificate is required; however, MI cert is missing from loan file.    
xx 64892391 xx 561 561-882 xx Non-QM QC Complete Mississippi xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 2) xx    
xx 64892391 xx 561 561-882 xx Non-QM QC Complete Mississippi xx Legal Docs Legal Docs Active B * Updated title review shows IRS / vehicle / federal / personal tax liens (Lvl 2) Updated title report dated xx/xx/xxxx shows that there is an active IRS lien in the amount of xx.    
xx 52856814 xx 561 561-882 xx Non-QM QC Complete Rhode Island xx Credit DTI Active B * DTI > 60% (Lvl 2) As per the final application, the borrowers total monthly income is $2,000 and total monthly expenses are $1,409.23. Hence DTI is at 70.462% which exceeding 60%.    
xx 52856814 xx 561 561-882 xx Non-QM QC Complete Rhode Island xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 52856814 xx 561 561-882 xx Non-QM QC Complete Rhode Island xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) The chain of assignment is incomplete as there is a break in chain of assignment from xx to xx.    
xx 52856814 xx 561 561-882 xx Non-QM QC Complete Rhode Island xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) xx    
xx 52856814 xx 561 561-882 xx Non-QM QC Complete Rhode Island xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 46598615 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
xx 46598615 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test. The finance charge is $107,456.90. The disclosed finance charge of $106,954.80 is not considered accurate because it is understated by more than $100. This loan was not tested against the TILA rescission finance charge test due to one of the following findings: ( 12 CFR §1026.23(g)(1) , transferred from 12 CFR §226.23(g)(1) ) A disclosed finance charge was not provided; Your company settings are configured to run the TILA foreclosure rescission finance charge test as part of an audit report rather than the TILA rescission finance charge test; or TILA Finance Charge Test: Loan data $106,954.80, Comparison data $107,456.90, Variance -$502.10. TILA Foreclosure Rescission Finance Charge Test: Loan data $106,954.80, Comparison data $107,456.90, Variance -$502.10.    
xx 46598615 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA finance charge test. TILA Finance Charge Test: FAIL xx xx -$502.50 This loan was not tested against the TILA rescission finance charge test due to one of the following findings. TILA Foreclosure Rescission Finance Charge Test: FAIL xx xx -$502.50    
xx 1269392 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase risk indicator is moderate as the loan is failing for TILA finance charge test.    
xx 1269392 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application along with the transmittal summary are missing from the loan file.    
xx 1269392 xx 561 561-882 xx Non-QM QC Complete Texas xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) The chain of assignment is incomplete as there is a break in chain of assignment from xx to xx.    
xx 1269392 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 1269392 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test;
As loan data shows $270,140.21; comparison data shows $270,433.2; however, variance is -$292.99.
The finance charge is $270,433.20. The disclosed finance charge of $270,140.21 is not considered accurate because it is
understated by more than $100.		    
xx 32047893 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report along with supporting document 1008 is missing in the loan file.    
xx 32047893 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Credit Active B * HUD-1 Closing Statement missing or unsigned (Lvl 3) HUD-1 along with estimated HUD-1 is missing from the loan file. However, the values are updated from the itemization located at "xx".    
xx 32047893 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to determine the operative index value from the available loan files.    
xx 32047893 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Title Review Active B * Active Judgment Against Borrower (Lvl 3) Updated title report dated xx/xx/xxxx shows that there are two senior civil judgment open against the borrower. Final Title Policy at origination does not reflect the same.
1) There is a Civil Judgment of xx
2) There is a Civil Judgment of xx		    
xx 32047893 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 23907679 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Credit Active B * HUD-1 Closing Statement missing or unsigned (Lvl 3) As per final HUD-1 some points and fees are hand written; however the final HUD-1 is signed by the borrower.    
xx 23907679 xx 561 561-882 xx Non-QM QC Complete New York xx Valuation Property Active B * Property Damage (Lvl 2) As per the documents available in the loan file located at "xx", the property was damaged due to xxx on xx/xx/xxxx.
The estimated total repair was in the amount of $$56,268.77
As per the partial release of insurance claim funds letter from xx was provided in the amount of $12,827.38 which represents the partial release of insurance claim funds being held in escrow for the repair of damages. Few more chq were received, however, the dates are unavailable.
A total insurance claim was received in the amount of $6220.15 and $49268.77. The estimated repairs were supposed to be completed by the June 2013.
Collection comment dated xx/xx/xxxx shows that the borrower had repaired the majority of the house but still needs a few things to be done. An inspection report dated xx/xx/xxxx shows that the subject property is in fair condition with no damages. Latest BPO report is unavailable to determine the condition. Latest comments do not indicate any damage to the property.		    
xx 23907679 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase Risk indicator is moderate as the loan is failing for TILA finance charge test.    
xx 23907679 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
xx 23907679 xx 561 561-882 xx Non-QM QC Complete New York xx Modification Doc Issue Active B * Loan appears modified. Mod missing or unexecuted (Lvl 4) This is conventional fixed rate mortgage with P&I, $1,425.60 and interest rate of 8.125.00% which was supposed to be matured on xx. The P&I as per payment history is the P&I is $1459.30 and rate of interest is 4.000%. There is a reduction in P&I and rate of interest with respect to Note data which seems that there would be a possible modification.  As per comment dated xx/xx/xxxx, the loan modification has been approved. As per modified terms, the UPB reflected in the amount of $xx. The borrower has been making payment as per these modified terms. However, a copy of modification agreement is missing in the loan file.    
xx 23907679 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test:
The loan data shows $322,886.76; comparison data shows $323,022.38; however, the variance is -$135.62.
The finance charge is $323,022.38. The disclosed finance charge of $322,886.76 is not considered accurate because it is
understated by more than $100.		    
xx 23907679 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 23907679 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 3) xx    
xx 82025007 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 82025007 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 2) xx    
xx 82025007 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 82025007 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index numerical value is unavailable as the supportive documents such as Loan program disclosure/Rate lock agreement/Closing instruction are missing from the loan file.    
xx 82025007 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Legal Docs Title Issue Active B * Title issue (Lvl 3) xx    
xx 44190452 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Title Review Active B * Title Rvw shows prop. owner of record is not borr. (Lvl 2) xx    
xx 44190452 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase risk indicator is moderate as the loan is failing for TILA APR test.    
xx 44190452 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application along with the transmittal summary are missing from the loan file.    
xx 44190452 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 44190452 xx 561 561-882 xx Non-QM QC Complete Illinois xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 44190452 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA APR test;
As the loan data shows 0.000%; comparison data shows 9.074%; however, the variance is -9.074%
The annual percentage rate (APR) is 9.074%. The disclosed APR of 0.000% is not considered accurate because it is more than
1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.		    
xx 44190452 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to calculate operative index value from the loan file.    
xx 25518301 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Legal Docs Title Issue Active B * Title issue (Lvl 2) xx     
xx 25518301 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) CE risk indicator is "Moderate" as this loan failed the Connecticut license validation test.    
xx 25518301 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Credit Credit Active B * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 is illegible as Cash to/Cash from (Line 300) and signature part of the HUD-1 is also missing from the loan file.    
xx 25518301 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD-1 is not signed by all the borrowers.    
xx 25518301 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by all the borrowers.    
xx 25518301 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Legal Docs Note / Mod Active B * Lost Note Affidavit (Lvl 3) Lost note affidavit dated xx  found in the loan file (locator:xx) and it's stating that the original note has been lost or misplaced. Copy of Note is also located in the same file.    
xx 25518301 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index numerical value is unavailable as the supportive documents such as Loan program disclosure/Rate lock agreement/Closing instruction are missing from the loan file.    
xx 25518301 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 25518301 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 25518301 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 25518301 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Compliance Compliance Active B * ComplianceEase Exceptions Test Failed (Lvl 2) This loan failed the Connecticut license validation test: First mortgage lender licenses and secondary mortgage lender licenses in existence on June 30th, 2008 shall be deemed on and
after July 1st, 2008, to be a mortgage lender license.
As of July 1, 2008 the Connecticut First Mortgage Lender License and the Connecticut Second Mortgage Lender License are no longer valid. The Connecticut Mortgage Lender License is available for loans with a closing date before July 1st, 2008.		    
xx 47061141 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal report is missing from the loan file.    
xx 47061141 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) As per review of the updated title report dated xx/xx/xxxx, the chain of the assignment is incomplete. The last assignment is from xx.    
xx 47061141 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 2) As per review of the updated title report dated xx/xx/xxxx, 2nd installment of xx is delinquent in the amount of $1,177.07 which was due on xx ; however, the tax report is not available in the updated title.    
xx 47061141 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application along with the transmittal summary are missing from the loan file.    
xx 47061141 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 along with Itemization and Estimated HUD-1 is missing from the loan file.    
xx 47061141 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 47061141 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Legal Docs Doc Issue Active B * Missing Title evidence (Lvl 4) Final Title Policy at origination along with commitment and a preliminary report is missing from the loan file.    
xx 47061141 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Legal Docs Doc Issue Active B * Note is missing or unexecuted (Lvl 3) The original note along with Lost Note Affidavit is missing from the loan file. As per the latest payment history, it seems that the loan has been modified with an interest rate of 5.070% and P&I of $1,484.47.    
xx 47061141 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Modification Doc Issue Active B * Loan appears modified. Mod missing or unexecuted (Lvl 4) The original note is missing from the loan file. As per ARM rider, this is a conventional adjustable mortgage with the interest rate of 7.7% and the margin is 5.950% with the maturity date is xx. The P&I as per the latest payment history is the $1,484.47 and the rate of interest is 5.070%. It seems that there is a reduction in the rate of interest with respect to ARM rider.
Also, as per comment dated xx/xx/xxxx, the borrower has sent loan modification request to the loss mitigation department and the request has been approved on xx. As per tape data, the loan has been modified on xx. First payment date is xx with the maturity date xx. The borrower has been making payment as per modified terms and the next due date is xx/xx/xxxx. 
However, the modification agreement is missing from the loan file.		    
xx 47061141 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The payment history is available from xx/xx/xxxx toxx/xx/xxxx; however, we require the latest 12 months payment history. The payment history is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 47061141 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to confirm operative index value due to supporting documents are missing from the loan file.    
xx 93242954 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) xx    
xx 93242954 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application along with the transmittal summary are missing from the loan file.    
xx 93242954 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
xx 93242954 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by the borrower.    
xx 93242954 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The comment history is available from xx/xx/xxxx toxx/xx/xxxx. However, we required complete 24 months comment history. The comment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 93242954 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 88205137 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active A * ComplianceEase State Regulations Test Incomplete (Lvl 1)      
xx 88205137 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 3) xx city annual taxes are delinquent in the amount of $3513.84.
xx county annual taxes are delinquent in the amount of $8,051.53.
xx  county annual taxes are delinquent in the amount of $3,848.83. Total delinquent taxes in the amount of xx needs to be paid off.		    
xx 88205137 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Valuation Property Active B * Property is Vacant (Lvl 3) Collection Comment dated xx/xx/xxxx reflects as per property inspection completed on xx/xx/xxxx, the subject property is vacant but, available property inspection report dated xx/xx/xxxx shows, subject property found to be occupied and secured.    
xx 88205137 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application along with the transmittal summary are missing from the loan file.    
xx 88205137 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing in the loan file.    
xx 88205137 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR document is missing in the loan file.    
xx 88205137 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Valuation Property Active B * Property Damage (Lvl 2) The BPO report dated xx/xx/xxxx shows that, the normal repairs needed for paint, flooring, appliances, and roof. The estimated cost of repairs is not mentioned.    
xx 7614123 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Legal Docs Legal Docs Active B * Updated title review shows IRS / vehicle / federal / personal tax liens (Lvl 2) As per updated title report dated xx/xx/xxxx, There is one active xx.    
xx 7614123 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application along with the transmittal summary are missing from the loan file.
.		    
xx 7614123 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA finance charge test.
This loan failed the TILA foreclosure rescission finance charge test.
This loan failed the TILA APR test.		    
xx 7614123 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA Finance Charge Test: FAIL  Loan Data: $205,141.66  Comparison Data: $296,749.45  Variance: -$91,607.79
This loan failed the TILA finance charge test.
The finance charge is $296,749.45. The disclosed finance charge of $205,141.66 is not considered accurate because it is understated by more than $100.

TILA Foreclosure Rescission Finance Charge Test: FAIL Loan Data: $205,141.66  Comparison Data: $296,749.45  Variance: -$91,607.79
This loan failed the TILA foreclosure rescission finance charge test.
The finance charge is $296,749.45. The disclosed finance charge of $205,141.66 is not considered accurate for purposes of rescission because it is understated by more than $35.

TILA APR Test: FAIL  Loan Data: 7.333%  Comparison Data:8.797% Variance: -1.464%
This loan failed the TILA APR test.
The annual percentage rate (APR) is 8.797%. The disclosed APR of 7.333% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.


GSE (Fannie Mae public guidelines) Points and Fees Test: FAIL  Loan Data: $12,101.82  Comparison Data: $11,851.82  Variance: +$250.00
This loan failed the predatory lending guidance test due to one or more of the following findings: The loan failed the allowable points and fees test.
This loan failed the points and fees test. (Fannie Mae Lender Letter Ann. 06-04)
The points and fees charged to the borrower exceed the greater of 5% of the mortgage amount or $1,000

GSE (Freddie Mac public guidelines) Points and Fees Test: FAIL Loan Data: $12,236.82  Comparison Data: $11,851.82  Variance; +$385.00
This loan failed the predatory lending guidance test due to one or more of the following findings:
The loan failed the points and fees test.
This loan failed the points and fees test. (Freddie Mac Industry Letter xx/xx/xxxx)
The points and fees charged to the borrower exceed 5% of the mortgage amount, or $1,000 for mortgage amounts of $20,000 or less.		    
xx 63612373 xx 561 561-882 xx Non-QM QC Complete Georgia xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report at the time of origination is missing from the loan file.    
xx 63612373 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Good Faith Estimate missing or unexecuted (Lvl 2) Final Good faith estimate is missing from the loan file.    
xx 63612373 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Initial Good Faith Estimate is Missing (Lvl 2) Initial GFE is missing from the loan file.    
xx 63612373 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 3) LTV exceeds more than xx and MI certificate is required; however, MI certificate missing from the loan file.    
xx 63612373 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Servicing comments are available in the file from xx/xx/xxxx to xx/xx/xxxx;  however, we require latest 24 months comments history; Servicing comments are missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 63612373 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 82012131 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 2) xx    
xx 82012131 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 82012131 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 82012131 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by borrower.    
xx 82012131 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index value is unable to confirmed from the lender's provided documents.    
xx 82012131 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by the borrower.    
xx 43409974 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Data Edit Data Edit Active B * Foreclosure Delay or Contested (Lvl 2) As per the prior comment history located at "xx", the foreclosure proceedings were contested or delayed due to title defect.
Comment dated xx/xx/xxxx, title defect was due to active prior liens. Comment dated xx/xx/xxxx states that the above title defect was resolved.		    
xx 43409974 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Title Review Active B * Active Judgment Against Borrower (Lvl 3) As per updated title review, there is a judgment filed against borrower by xx in the amount of $397,204.06 which is higher than the loan amount. SSN is not provided in the judgment document to confirm is that judgment is against subject borrower or not.    
xx 43409974 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 43409974 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 along with transmittal is missing in the loan file.    
xx 43409974 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by borrower.    
xx 43409974 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The loan was recently modified on xx shows that the lender had forgiven $xx of the unpaid principal balance, which exceeds 2% of the modified amount of $xx.    
xx 13269234 xx 561 561-882 xx Non-QM QC Complete Georgia xx Legal Docs Doc Issue Active B * Amount of title insurance is less than mortgage amount (Lvl 3) As per final title policy the loan amount is xx. However, the amount of insurance is xx which is less than the given loan amount.    
xx 13269234 xx 561 561-882 xx Non-QM QC Complete Georgia xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) As per loan modification agreement dated xx, the lender agrees to forgive $2,705.73 (which exceeds 2% of modification amount) permanently from the total principal balance of $xx.    
xx 13269234 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Collection comments are available from xx/xx/xxxx to xx/xx/xxxx; We require latest 24 months comments history; However, collection comments are missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 13269234 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 3) MI certificate is missing from the loan file. However, LTV exceeds xx. Hence MI certificate is required.    
xx 13269234 xx 561 561-882 xx Non-QM QC Complete Georgia xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 13269234 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 39605009 xx 561 561-882 xx Non-QM QC Complete Alabama xx Valuation LTV Active B * LTV or CLTV exceeds 104% (Lvl 2) As  per Appraisal report dated xx subject property value is xx and loan amount is xx hence CLTV is grater then xx%    
xx 39605009 xx 561 561-882 xx Non-QM QC Complete Alabama xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 39605009 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 39605009 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 (Application) is missing from the loan file.    
xx 39605009 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) MI certificate is missing from the original loan file.    
xx 39605009 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by borrowers.    
xx 67780977 xx 561 561-882 xx Non-QM QC Complete Delaware xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 67780977 xx 561 561-882 xx Non-QM QC Complete Delaware xx Data Edit Data Edit Active B * Litigation (Lvl 2) The comments dated xx/xx/xxxx states the loan is in litigation, There is a issue regarding the change in insurance company for escrow account. it seems the issue has been resolved later.    
xx 67780977 xx 561 561-882 xx Non-QM QC Complete Delaware xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 1563185 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 2) xx    
xx 1563185 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application is missing from the loan file.    
xx 1563185 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) MI certificate is missing in the loan files.    
xx 1563185 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by the borrowers.    
xx 1563185 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Servicing comments are available from xx/xx/xxxx to xx/xx/xxxx; however, we require latest 24 months servicing comments. Servicing comments are missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 1563185 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 1563185 xx 561 561-882 xx Non-QM QC Complete Alabama xx Valuation Appraisal Active B * Variation in Parcel number(APN#) (Lvl 2) xx    
xx 96506756 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by borrower.    
xx 96506756 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by borrower.    
xx 96506756 xx 561 561-882 xx Non-QM QC Complete Illinois xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 96506756 xx 561 561-882 xx Non-QM QC Complete Illinois xx Legal Docs Title Issue Active B * Title issue (Lvl 3) Successor and assignee clause is missing in the final title policy.    
xx 96506756 xx 561 561-882 xx Non-QM QC Complete Illinois xx NPL NPL Active B * Evidence in the file shows the property was surrendered to the courts/trustee (Lvl 4) The borrower filed Bk case#xx. The subject loan/claim is included in amended plan (xx) and creditor will be paid $400 (variable) per month for the total initial plan term of 60 months and in the total amount of $32,435.00. However Collection comments dated xx/xx/xxxx shows servicer talking about issues with subject loan and issue type is shown as "Surrender" also collection comment xx/xx/xxxx states the Bk plan was amended to surrender. The collection comments contradict the Amended plan as the plan does not indicate the surrender of the property at all.
 The order confirming the xx has one clause as “xx.”		    
xx 96506756 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 69875381 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 3) xx combined annual taxes partial balance is delinquent in the amount of $88.63 from the due date xx combined annual taxes are delinquent from the due date xx. Hence, the total delinquent taxes on property is in the amount $463.29.    
xx 69875381 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Valuation LTV Active B * LTV or CLTV exceeds 104% (Lvl 2) As per the appraisal report, the appraised value of the property is xx and the loan amount is xx. Hence, the LTV/CLTV exceeds xx%.    
xx 69875381 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 69875381 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final loan application is missing in the loan file.    
xx 69875381 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by the borrower.    
xx 69875381 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 69875381 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The comment history is available from xx/xx/xxxx to xx/xx/xxxx. However, we require the latest 24 months collection comment. The comment history is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 69875381 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Title Review Active B * Property address changed since origination - address on updated title different from note (Lvl 3) xx    
xx 90050810 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 90050810 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 90050810 xx 561 561-882 xx Non-QM QC Complete Georgia xx Valuation Property Active B * Property is Vacant (Lvl 3) As per the latest property inspection report dated xx/xx/xxxx shows the subject property is vacant but property is in secured condition. Servicing comments also support for property is vacant.    
xx 90050810 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 90050810 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 90050810 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Available servicing comment history is incomplete as require the latest 24 months collection comments. The servicing comments are available from xx/xx/xxxx to xx/xx/xxxx and missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 90050810 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by borrower .    
xx 90050810 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 90050810 xx 561 561-882 xx Non-QM QC Complete Georgia xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) The chain of assignment is incomplete as there is a break in chain of assignment from xx to xx.    
xx 53748658 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Data Edit Data Edit Active B * Deceased Borrower(s) (Lvl 3) According to the updated title report dated xx/xx/xxxx, the borrower,xx was deceased on xx. However, no details regarding the death certificate or probate has been found in the collection comments.

.		    
xx 53748658 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Compliance ease risk indicator shows moderate due to Interest Rate Test and Brokerage/Finder Fee Test failed.    
xx 53748658 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 is missing from the loan file. However, neither there is initial 1003 nor underwriting transmittal summary is available in the loan file.    
xx 53748658 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by the borrower.    
xx 53748658 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 53748658 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 53748658 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the interest rate test. The loan has an interest rate that does not conform to the requirements for the lenders license type in the state where the property is located.  This loan failed the brokerage/finder fee test. The mortgage loan charges a brokerage/finder fee that exceeds 2% of the total loan amount. Under the Tennessee Rules and Regulations, brokerage fee is synonymous with finder fee. Any brokerage/finder fee of more than 2% of the principal amount of the loan will be presumed to be unfair and unreasonable and shall be grounds to revoke the license or registration of such licensee or registrant, unless such licensee or registrant can provide evidence showing that such fee constitutes fair and reasonable compensation.    
xx 11632963 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal report is missing from the loan file.    
xx 11632963 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) As per updated title report dated xx/xx/xxxx, the chain of the assignment is incomplete. Currently, the assignment is with xx.    
xx 11632963 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final loan application along with transmittal is missing from the loan file.    
xx 11632963 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by the borrowers.    
xx 11632963 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The comment history is available from xx/xx/xxxx to xx/xx/xxxx. However, we require latest 24 months collection comments. The comment history is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 11632963 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Legal Docs Doc Issue Active B * Amount of title insurance is less than mortgage amount (Lvl 3) The mortgage was originated on xx which is less than the mortgage amount.    
xx 11632963 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA foreclosure rescission finance charge test.    
xx 11632963 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA Foreclosure Rescission Finance Charge Test: FAIL Loan Data:$124,984.30 Comparison Data:$125,042.54 Variance:-$58.24.    
xx 74355495 xx 561 561-882 xx Non-QM QC Complete Mississippi xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 74355495 xx 561 561-882 xx Non-QM QC Complete Mississippi xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 74355495 xx 561 561-882 xx Non-QM QC Complete Mississippi xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 3) xx  Combined annual taxes are delinquent in the amount of $622.55 which were good through till xx.    
xx 74355495 xx 561 561-882 xx Non-QM QC Complete Mississippi xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 application along with transmittal is missing in the loan file.    
xx 74355495 xx 561 561-882 xx Non-QM QC Complete Mississippi xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 74355495 xx 561 561-882 xx Non-QM QC Complete Mississippi xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by the borrower.    
xx 74355495 xx 561 561-882 xx Non-QM QC Complete Mississippi xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The available comments history is from xx/xx/xxxx toxx/xx/xxxx. We require last 24 months comments history. The comments history is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 74355495 xx 561 561-882 xx Non-QM QC Complete Mississippi xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) xx    
xx 74355495 xx 561 561-882 xx Non-QM QC Complete Mississippi xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 48165730 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 48165730 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 48165730 xx 561 561-882 xx Non-QM QC Complete Washington xx Legal Docs Doc Issue Active B * Condo / PUD rider Missing (Lvl 2) As the property is PUD. Hence, PUD rider is required and which is missing from the loan file.    
xx 48165730 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase Risk indicator is Moderate.
This loan failed the interest rate test.		    
xx 48165730 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by borrower.    
xx 48165730 xx 561 561-882 xx Non-QM QC Complete Washington xx Valuation Appraisal Active B * Property is vacant (Lvl 3) The latest property inspection report dated on xx/xx/xxxx shows that the subject property is first time vacant. The property is secured, no visible damages found.    
xx 48165730 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Title Review Active B * Title Rvw shows prop. owner of record is not borr. (Lvl 2) xx    
xx 48165730 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the interest rate test.
The loan has an interest rate that does not conform to the requirements for the lenders license type in the state where the
property is located.
As Loan Data is 12.246% and Comparison data is 12.00% that means Variance is +0.246%		    
xx 48165730 xx 561 561-882 xx Non-QM QC Complete Washington xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) The chain of assignment is incomplete as there is a break in chain of assignment from xx to xx.    
xx 80396295 xx 561 561-882 xx QM QC Complete Tennessee xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 80396295 xx 561 561-882 xx QM QC Complete Tennessee xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 80396295 xx 561 561-882 xx QM QC Complete Tennessee xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Form is missing from the loan file.    
xx 80396295 xx 561 561-882 xx QM QC Complete Tennessee xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) xx    
xx 80396295 xx 561 561-882 xx QM QC Complete Tennessee xx Credit Doc Issue Active B * Initial Good Faith Estimate is Missing (Lvl 2) Initial GFE is missing from the loan file.    
xx 80396295 xx 561 561-882 xx QM QC Complete Tennessee xx Credit Doc Issue Active B * Initial Truth in Lending Disclosure is Missing (Lvl 2) Initial TIL is missing from the loan file.    
xx 80396295 xx 561 561-882 xx QM QC Complete Tennessee xx Credit Other Disclosures Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from the loan file.    
xx 80396295 xx 561 561-882 xx QM QC Complete Tennessee xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 80396295 xx 561 561-882 xx QM QC Complete Tennessee xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Tennessee State. The following state disclosures are missing from the loan file:
1. Placement of Insurance Disclosure.
2. Availability of Title Insurance.
3. TN Consent to Disclosure of Insurance Information.
4. Insurance Solicitation/Post Commitment.		    
xx 80396295 xx 561 561-882 xx QM QC Complete Tennessee xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule as the loan is failed for QM safe Harbor threshold test as APR (6.067) is exceeded APOR (5.750%) by 0.317%. The APR threshold is 5.750% and the subject loan is escrowed one. per AUS (Locator:1712962_Credit package Page#304) and the loan was under written by AUS & AUS recommendation is "Approve/Eligible."

Qualified Mortgage Safe Harbor Threshold: FAIL       Allowed: 5.750%      Charged: 6.067%       Over by: +0.317%.		    
xx 80396295 xx 561 561-882 xx QM QC Complete Tennessee xx Compliance Compliance Active B * Higher Price Mortgage Loan (Lvl 2) This loan failed the higher-priced mortgage loan test as using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z and the subject loan is escrowed one.
While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.
Higher-Priced Mortgage Loan Test: FAIL      Charged: 6.067%      Allowed: 5.7500%     Over by: +0.317%		    
xx 59842982 xx 561 561-882 xx Non-QM QC Complete Virginia xx Legal Docs Note / Mod Active B * Lost Note Affidavit (Lvl 3) According to bankruptcy POC was filed on xx states that, Lost note affidavit dated xx  was found in the loan file located at (xx) as original note was misplaced, lost or destroyed. Amended POC was field on xx with same claim amount for Note and this POC contains copy of Note.
Duplicate copy / attested copy of note is available in the loan file.		    
xx 59842982 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from loan file.    
xx 59842982 xx 561 561-882 xx Non-QM QC Complete Virginia xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal Report is missing from loan file.    
xx 59842982 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) As per review Service Transfer Disclosure is missing from loan file.    
xx 59842982 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final Application is missing from loan file.    
xx 59842982 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 is missing from the loan file. And estimated HUD-1/Fee itemization/GFE are also not available in the loan file.    
xx 59842982 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Following state disclosure are missing from loan files which are required in Virginia state.
VA Application Disclosure
Choice of Settlement Agent Disclosure
Disclosure of Charges For Appraisal or Valuation
Copy of Appraisal or Statement of Appraised Value		    
xx 59842982 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Acct Disclosure is missing from loan file.    
xx 59842982 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Providers is missing from loan file.    
xx 59842982 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) Right Of Rescission is missing from loan file.    
xx 59842982 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Servicing comment history is available from xx/xx/xxxx toxx/xx/xxxx which is incomplete as we required for recent 24 months. Servicing comments are missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 15931134 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 15931134 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 15931134 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal is missing from the loan file.    
xx 15931134 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final loan application /1003 is missing from the loan file.    
xx 15931134 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 15931134 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The comment history is available from xx/xx/xxxx toxx/xx/xxxx, however, we require latest 24 months comment history. The comment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 15931134 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) The Initial Escrow Account Disclosure is missing from the loan file.    
xx 15931134 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Credit Other Disclosures Active B * Missing Required Disclosures (Lvl 2) The List of Service Provider is missing from the loan file.    
xx 15931134 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in the Louisiana state. The following state disclosures are missing from the loan file:
1.Authorization Fees, Charges and Expenses for Federally Related Mortgage Loans
2.Anti-Tying Disclosure
3.Financial Institution Choice of Insurance Disclosure		    
xx 15931134 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA right of rescission test.    
xx 15931134 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA right of rescission test.
The funding date is before the third business day following consummation.
The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the
notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last.		    
xx 86867955 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 86867955 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 86867955 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Doc Issue Active B * Application Missing (Lvl 2) "Final loan application/1003 is missing from the loan file."    
xx 86867955 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Title Review Active B * Title Concern to note (Lvl 3) According to the chain of title available with updated title report, subject property was transferred from xx. Then subject mortgage was originated by xx.    
xx 86867955 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Legal Docs Doc Issue Active B * Missing Title evidence (Lvl 4) Final TPOL is missing from the loan file. The Commitment/Preliminary Report are also not available in the loan file.    
xx 86867955 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan.    
xx 86867955 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) Interest Rate Test: FAIL, Loan Data: 9.870%, Comparison Data: 8.870% and Variance: +1.000%.
This loan failed the interest rate test.
The loan has an interest rate that does not conform to the requirements for the lender's license type in the state where the
property is located.

Brokerage/Finder Fee Test: FAIL, Loan Data: $790.42, Comparison Data: 601.12 and Variance: +$189.30.
This loan failed the brokerage/finder fee test. (Tenn. Comp. R. & Regs. 0180-17-07(2))
The mortgage loan charges a brokerage/finder fee that exceeds 2% of the total loan amount. Under the Tennessee Rules and
Regulations, brokerage fee is synonymous with finder fee.
Any brokerage/finder fee of more than 2% of the principal amount of the loan will be presumed to be unfair and unreasonable and
shall be grounds to revoke the license or registration of such licensee or registrant, unless such licensee or registrant can provide
evidence showing that such fee constitutes fair and reasonable compensation.		    
xx 86867955 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from the loan file.    
xx 86867955 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by the borrowers.    
xx 86867955 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 86867955 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The property is located in Tennessee state. The below state disclosures are missing from the loan file as follows:
1. Placement of Insurance Disclosure.
2. Availability of Title Insurance.
3. TN Consent to Disclosure of Insurance Information.
4. Choice of Agent/insurer.
5. Insurance Solicitation/Post Commitment.		    
xx 86867955 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the interest rate test.
This loan failed the brokerage/finder fee test.		    
xx 9641266 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 9641266 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 9641266 xx 561 561-882 xx Non-QM QC Complete Georgia xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) According to the updated title report dated xx/xx/xxxx, the chain of assignment has been completed. The last assignment was done from xx. However, there is a break in assignment which was made between xx.    
xx 9641266 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Title Review Active B * Active Judgment Against Borrower (Lvl 2) According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.
As per the order and judgment attached with updated title report at “xx”, the property is condemned in fee simple to use of the xx is authorized to grant a written extension of time to the person in possession of the condemned property. xx took a small portion of land that ran along the road in front of the house to build a bigger road. However, no subject property address, legal description or parcel# is mentioned on the supportive document.		    
xx 9641266 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 9641266 xx 561 561-882 xx Non-QM QC Complete Georgia xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal report is missing from the loan file.    
xx 9641266 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 9641266 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 2) According to the updated title report dated xx/xx/xxxx, the combined annual taxes for the year xx were delinquent in the amount of $849.19.    
xx 9641266 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final loan application / 1003 is missing from the loan file.    
xx 9641266 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 9641266 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by the borrower.    
xx 9641266 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider document is missing from the loan file.    
xx 9641266 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 9641266 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Georgia State. The following required state disclosures are missing from the loan file.
1.Waiver of Borrowers Rightsand Closing Attorney Affidavit
2.Disclosure of Additional Fees		    
xx 65582943 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 65582943 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 65582943 xx 561 561-882 xx Non-QM QC Complete New York xx Data Edit Data Edit Active B * Foreclosure Delay or Contested (Lvl 3) . According to review of the loan file, the foreclosure was initiated in xx and was referred to an attorney on xx. As per Lis pendency document located at (xx), the complaint was filed on xx. According to comment dated xx/xx/xxxx, the foreclosure was contested for pre-approval of fees. The fees in the amount of $860.00 for attendance of the status conference scheduled on xx/xx/xxxx were need approval. The comment dated xx/xx/xxxx states that the fee approval is still pending. However, the foreclosure is currently hold for the borrower, xx. No comment has been found stating that the contested matter has been resolved.    
xx 65582943 xx 561 561-882 xx Non-QM QC Complete New York xx Data Edit Data Edit Active B * Deceased Borrower(s) (Lvl 3) According to the death certificate located at "xx", the borrower, xx and according to Pro-Title report dated xx/xx/xxxx, the borrower, xx.    
xx 65582943 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 65582943 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from the loan file.    
xx 65582943 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is missing from the loan file.    
xx 65582943 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Title Review Active B * Title Rvw shows prop. owner of record is not borr. (Lvl 2) xx    
xx 65582943 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in New York State. The following state disclosures are missing in the loan files:
NY Interest Rate Disclosure,
Tax Escrow Account Designation,
Part 80 Disclosure,
Alternative Mortgage Transaction Disclosures,
Co-Signer Notice Requirements,
Default Warning Notice,
Smoke Alarm Affidavit,
New York Real Property Escrow Account Disclosure,
Subprime Home Loan Counseling Disclosure,
Subprime Home Loan Tax and Insurance Payment Disclosure,
Subprime Home Loan Disclosure,
Commitment Disclosure,
Lock-in Disclosure,
Expiration of Lock-in or Commitment Period.		    
xx 43626923 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 43626923 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business form document is missing from the loan file.    
xx 43626923 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 43626923 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers document is missing from the loan file.    
xx 43626923 xx 561 561-882 xx Non-QM QC Complete Indiana xx Legal Docs Note / Mod Active B * Lost Note Affidavit (Lvl 3) Lost note affidavit dated xx was found in the loan file located at (xx) as original note was misplaced, lost or destroyed. And duplicate copy / attested copy of note are available in the loan file.    
xx 43626923 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The Comment history is available from xx/xx/xxxx andxx/xx/xxxx, as we required latest  24 months comment history. The comment history is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 43626923 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active B * ComplianceEase Exceptions Test Failed (Lvl 2) The compliance ease exception test failed  for Indiana license validation test.    
xx 43626923 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The compliance ease risk indicator is moderate for Indiana license validation tested.    
xx 43626923 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Indiana state. The state disclosures missing from the loan file are: Hazard Insurance Disclosure, Federal Consumer Credit Protection Act Disclosure, Insurance Freedom of Choice Disclosure.    
xx 70663103 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 70663103 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 70663103 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 70663103 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The affiliated business disclosure document is missing from the loan file.    
xx 70663103 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The comment history is available from xx/xx/xxxx to xx/xx/xxxx, as we require latest 24 months comment history. The comment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 70663103 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider is missing from the loan file.    
xx 70663103 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in the South Carolina state. The state disclosures missing from the loan file are: Agent Preference Disclosure, Casualty Insurance Disclosure, Manufactured Home Loan  Disclosures.    
xx 70663103 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds    
xx 70663103 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 86071369 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 86071369 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 86071369 xx 561 561-882 xx Non-QM QC Complete Alabama xx NPL General Active B * Describe the BK payment plan (Lvl 2) xx    
xx 86071369 xx 561 561-882 xx Non-QM QC Complete Alabama xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An Appraisal report is missing from the loan file.    
xx 86071369 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final Application is missing from the loan file.    
xx 86071369 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 86071369 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated Business Disclosure document is missing from the loan file.    
xx 86071369 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) The Initial Escrow Account Disclosure is missing from the loan file.    
xx 86071369 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The List of Service Provider document is missing from the loan file.    
xx 86071369 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The Service transfer document is missing from the loan file.    
xx 86071369 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Alabama State. The Choice of Insurer disclosure is missing from the loan file.    
xx 86071369 xx 561 561-882 xx Non-QM QC Complete Alabama xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 94289116 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 94289116 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 94289116 xx 561 561-882 xx Non-QM QC Complete Georgia xx Legal Docs Legal Docs Active B * Updated title review shows IRS / vehicle / federal / personal tax liens (Lvl 2) As per the update title, there are two IRS liens in the favor of xx.    
xx 94289116 xx 561 561-882 xx Non-QM QC Complete Georgia xx NPL General Active B * Water/Sewer Taxes (Lvl 3) According to the review of the updated title report dated xx/xx/xxxx, the utilities charge of the year xx are delinquent in  the amount ofxx.    
xx 94289116 xx 561 561-882 xx Non-QM QC Complete Georgia xx NPL General Active B * The property had a tax sale - property or cert was sold to 3rd party (Lvl 3) As per the updated title report dated xx/xx/xxxx, there are two real estate tax liens in the xx , the amount is unavailable and the second was recorded on xx  however, the amount is not mentioned. The taxes have been paid in the year xx  respectively. However no release was found.    
xx 94289116 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 94289116 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 along with transmittal are missing from the loan file.    
xx 94289116 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Acct is missing from the loan file.    
xx 94289116 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 94289116 xx 561 561-882 xx Non-QM QC Complete Georgia xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 94289116 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) xx    
xx 94289116 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The comment history is available from xx/xx/xxxx toxx/xx/xxxx.As we require latest 24 months servicing comments. The comment history is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 94289116 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The following state disclosure is missing from the loan file.
1.Waiver of Borrowers Rightsand Closing Attorney Affidavit (not required by law but provided as a matter of custom)
2.Disclosure of Additional Fees		    
xx 94289116 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 94289116 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service providers is missing from the loan file.    
xx 21103539 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 21103539 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 21103539 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Legal Docs Doc Issue Active B * Amount of title insurance is less than mortgage amount (Lvl 3) According to Short Form Policy dated xx, the Amount of Insurance xx is less than the Original balance of xx. Also the Mortgage Amount given on the Short Form policy xx is less than the Original balance of xx.
This can be cured by Reforming or replacing the Short Form title policy.		    
xx 21103539 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow account Disclosure is missing from the loan file.    
xx 21103539 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Other Disclosures Active B * Missing Required Disclosures (Lvl 2) List of Service providers is missing from the loan file.    
xx 21103539 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The ComplianceEase risk indicator is "Moderate" due to:-
1) Interest Rate Test.
2) Brokerage/Finder Fee Test.		    
xx 21103539 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) The ComplianceEase state regulation test is failed for:-
1) Interest Rate Test.
The loan data is 11.810%, the Comparison data is 8.400% and the Variance is -3.410%.
2) Brokerage/Finder Fee Test.
The Loan data is $1,263.79, the Comparison data is $1,081.38 and the Variance is +182.41.		    
xx 21103539 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Doc Issue Active B * Application Missing (Lvl 2) The final application is missing from the loan file.    
xx 21103539 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) The loan is conventional and the LTV is xx. Hence; the MI certificate is required and is missing from the loan file.    
xx 21103539 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Tennessee  state and this state requires following disclosures and all are missing from the loan file
·Availability of Title Insurance
·TN Consent to Disclosure of Insurance Information
·Choice of Agent/insurer
·Insurance Solicitation/Post Commitment		    
xx 5316408 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 5316408 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 5316408 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Valuation Property Active B * Property Damage (Lvl 2) As per comment dated xx/xx/xxxx, subject property had damage for Wind/Hail Damages: Roof, interior cleaning, drywall and painting loss and draft funds received $2707.35  However; the prior comment dated xx/xx/xxxx, shows the property was damaged and estimated loss amount is $10,001.00, but claim for the same filed by the borrower was denied by the insurance company. Further details regarding the damage are not available in the collection comments.    
xx 5316408 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase Risk indicator is Moderate due to TILA Finance Charge Test and TILA Foreclosure Rescission Finance Charge Test are failed.    
xx 5316408 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) ComplianceEase TILA Test Failed due to TILA Finance Charge Test and TILA Foreclosure Rescission Finance Charge Test
1. TILA Foreclosure Rescission Finance Charge Test shows Loan data $336,244.08, Comparison Data $336,609.97, Variance -$365.89.
The finance charge is $336,609.97. The disclosed finance charge of $336,244.08 is not considered accurate for purposes of
rescission because it is understated by more than $35.
2. TILA Finance Charge Test shows Loan data $336,244.08, Comparison Data $336,609.97, Variance -$365.89.
The finance charge is $336,609.97. The disclosed finance charge of $336,244.08 is not considered accurate because it is
understated by more than $100.		    
xx 5316408 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final Application is missing from the loan file however all information is captured from initial application which is located at "xx".    
xx 5316408 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Acct disclosure is missing from the loan file.    
xx 5316408 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 5316408 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) Right Of Rescission is not hand dated by borrower.    
xx 5316408 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The property is located in South Carolina. The following state disclosures are missing from the loan file.
1)Agent Preference Disclosure
2)Casualty Insurance Disclosure		    
xx 5316408 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) xx    
xx 5316408 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 94655290 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 94655290 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 94655290 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 3) xx    
xx 94655290 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final Application is missing from the loan file.    
xx 94655290 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Providers is missing from the loan file.    
xx 94655290 xx 561 561-882 xx Non-QM QC Complete Virginia xx Legal Docs Note / Mod Active B * Lost Note Affidavit (Lvl 3) Lost Note Affidavit has been found in the loan file located at xx. It reveals that the original Note was not located. However, a copy of note is avaliable in the loan file.    
xx 94655290 xx 561 561-882 xx Non-QM QC Complete Virginia xx NPL NPL Active B * Payment History is not Complete (Lvl 3) Payment history is available in the file from xx/xx/xxxx toxx/xx/xxxx; however, we require latest 12 months payment history, Payment history is missing one month which isxx/xx/xxxx.    
xx 94655290 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The available comments history is from xx/xx/xxxx toxx/xx/xxxx; however, we require last 24 months comments history; hence, comments are missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 94655290 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The following required state disclosures are missing from the loan file.
1.VA Application Disclosure
2.Choice of Settlement Agent Disclosure
3.Disclosure of Charges For Appraisal or Valuation		    
xx 94655290 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) The ROR is not hand dated by the borrower.    
xx 81105237 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 81105237 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 81105237 xx 561 561-882 xx Non-QM QC Complete Michigan xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Collection comments are available from xx/xx/xxxx to xx/xx/xxxx. As we require latest 24 months Collection comments for review, Collection comments are missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 81105237 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Following state disclosures are missing from the loan file.

MI Borrower's Bill of Rights
MI Consumer Caution and Homeownership Counseling Notice
Choice of Insurance Agent		    
xx 81105237 xx 561 561-882 xx Non-QM QC Complete Michigan xx Legal Docs Title Issue Active B * Title issue (Lvl 3) ISAOA / It's successors and or assigns clause is missing in final title policy. Terms and conditions sheet is neither available with final title policy for checking 12C clause.    
xx 81105237 xx 561 561-882 xx Non-QM QC Complete Michigan xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by the borrower.    
xx 11500382 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 11500382 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 11500382 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Form Disclosure is missing from the loan file.    
xx 11500382 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Valuation Property Active B * Property Damage (Lvl 2) As per servicing comment dated xx/xx/xxxx subject property is damage. The nature of repair is mold and sewer. however, damage repair amount is not available in the latest servicing comment. Also latest BPO (Doc locator#xx) dated xx/xx/xxxx, does not shows any damage or repair information.    
xx 11500382 xx 561 561-882 xx Non-QM QC Complete New Jersey xx NPL NPL Active B * Evidence in the file shows the property was surrendered to the courts/trustee (Lvl 4) Borrower has filed bankruptcy under chapter xx, case # xx shows borrower intent to sale the real property on xx. The plan is not confirmed.  The case was converted from xx due to unsecured debts is exceed. Notice of Request for Loss Mitigation filed on xx for the loan modification . however, trustee denied  the modification  on xx due to unsecured debt exceeding xx.   Motion for relief filed on xx. The POC is filed on xx.  However, the updated title report dated xx/xx/xxxx reflects the ownership of the property is still vested in the name of the borrower "xx".    
xx 11500382 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider is missing from the loan file.    
xx 11500382 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
xx 11500382 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Servicing comment are available from xx/xx/xxxx toxx/xx/xxxx. however, we required latest 24 months servicing comment. Servicing comment is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 11500382 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Legal Docs Mortgage Active B * Mortgage  (Lvl 2) Subject loan was originated under jumbo loan category. Loan amount was xx.    
xx 11500382 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Subject property is located at NJ state.
Following state disclosure is missing from the loan file. :-
1) Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application.		    
xx 11500382 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test.    
xx 11500382 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test.
Loan data is $405.00 which is comparison with $0.00 and variance is +$405.00
Fees include :-
Loan Origination Fee -$175.00
Commitment Fee - $200.00
Notice of Settlemen - t $30.00		    
xx 917537 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 917537 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 917537 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Form Disclosure is missing from the loan file.    
xx 917537 xx 561 561-882 xx Non-QM QC Complete California xx Credit Credit Active B * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 is missing from the loan file. Also, there is no estimated HUD-1 or itemizations are available in the loan file. however, value is taken from the instruction to closing agent document (Doc locator7600108676_Loan_Closing_Documents_D2015062515923788_223pg#6 & pg#14)    
xx 917537 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 917537 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Missing Title evidence (Lvl 4) Final title policy at origination is missing from loan file; also neither commitment nor preliminary title policy is available in file.    
xx 917537 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Acct Disclosure is missing from the loan file.    
xx 917537 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider is missing from the loan file.    
xx 917537 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
xx 917537 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 917537 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Mortgage Active B * Mortgage  (Lvl 2) Subject loan was originated under jumbo loan category.    
xx 917537 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Subject property is located at CA state.
Following state disclosure is missing from the loan file. :-
1) Impound Account Disclosure.
2) Cosigner Notice.
3) Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 917537 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The loan modification was done on xx.  The amortization type is fixed and new unpaid Principal balance per mod is xx  and lender deferred principal in the amount of $xx. According to modification agreement lender was agreed to forgive the total deferred amount which is exceeds 2% of modification amount. The deferred principal balance is eligible for forgiveness in equal installment over three year, unless borrower default on new payment to the extent that three or more monthly payment become overdue and unpaid on the last day of any months, then servicer shall forgive one- third of the outstanding portion of deferred principal balance on each of the first, second and third anniversaries of the modification effective date. First payment of modification started on xx; however, current payment history shows borrower was default from xx/xx/xxxxayment. It’s unable to confirm that the amount has been forgive or not from principal.    
xx 917537 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA APR test.
Final TIL is missing from the loan file. Hence APR is taken as 0.00% which is compared with 7.356% and variance is -7.356%.
The annual percentage rate (APR) is 7.356%. The disclosed APR of 0.000% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.
This loan failed the TILA right of rescission test.
The funding date is before the third business day following consummation.
The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last.		    
xx 917537 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA APR test.
This loan failed the TILA right of rescission test.		    
xx 99050854 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 99050854 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 99050854 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Form is missing in the loan file.    
xx 99050854 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final Application is missing in the loan.    
xx 99050854 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Providers Disclosures is missing in the loan file.    
xx 99050854 xx 561 561-882 xx Non-QM QC Complete Washington xx Valuation Property Active B * Property is Manufactured Housing (Lvl 2) The appraisal report prior to loan origination dated xx reflect the subject property type was manufactured home. There is final title policy in the file and no ALTA 7 Endorsement document found.
The addendum attached with appraisal report located at xx which states that the manufactured home is affixed to the land and classified by the local taxing authority as real property. The transport wheels, hitches and lowing tongue have been removed. All available utilities are appearing to properly connect.  
The addendum also reflects VIN#xx.
The tax report of updated title dated xx/xx/xxxx, shows the subject property type as Residential- single family.		    
xx 99050854 xx 561 561-882 xx Non-QM QC Complete Washington xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) The chain of assignment has not been completed. The assignment is missing from xx.    
xx 99050854 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 99050854 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Washington state. The following state disclosure is missing in the loan file.
·Construction Lien Disclosure
·Mortgage Loan Servicing Disclosure
·Choice of Insurance Notice
·Purchase Money Residential Mortgage Loan Closing Valuation Disclosure
·Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 99050854 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to determine an operative index value since the supportive documents are missing from the loan file.    
xx 17900356 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 17900356 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 17900356 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Valuation Appraisal Active B * Variation in Parcel number(APN#) (Lvl 3) xx    
xx 17900356 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 17900356 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business disclosure is missing from the loan file.    
xx 17900356 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Title Review Active B * Title Rvw shows prop. owner of record is not borr. (Lvl 3) xx    
xx 17900356 xx 561 561-882 xx Non-QM QC Complete South Carolina xx NPL General Active B * Recent Foreclosure Sale - Need Update (Lvl 4) xx    
xx 17900356 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by borrower.    
xx 17900356 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Following state disclosure is missing from the loan file which are require for South Carolina state:
Agent Preference Disclosure
Casualty Insurance Disclosure		    
xx 17900356 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Acct disclosure is missing from the loan file.    
xx 17900356 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Servicer provider disclosure is missing from the loan file.    
xx 17900356 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of Servicing transfer disclosure is missing from the loan file.    
xx 17900356 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 83711918 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 83711918 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 83711918 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase Risk Indicator is Moderate due to A Finance Charge Test and TILA APR Test are failed.    
xx 83711918 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) ComplianceEase TILA Test failed due to TILA APR Test and TILA Finance Charge Test.
1. TILA Finance Charge Test: shows Loan Data $267,231.37 Comparison Data $327,416.05 and Variance -$60,184.68.
2. TILA APR Test shows Loan Data 12.071% Comparison Data 13.950% and Variance -1.879%.		    
xx 83711918 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Disclosure missing    
xx 83711918 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Account Disclosure Missing from the loan file.    
xx 83711918 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Provider is missing from the loan file.    
xx 83711918 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Legal Docs Title Issue Active B * Title issue (Lvl 3) xx    
xx 83711918 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 83711918 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 83711918 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 33557883 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 33557883 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 33557883 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase Risk indicator is moderate due to TILA Finance Charge Test and TILA Foreclosure Rescission Finance Charge Test are failed.    
xx 33557883 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) ComplianceEase TILA Test Failed due to TILA Foreclosure Rescission Finance Charge Test and TILA Finance Charge Test:.
1.TILA Finance Charge Test: shows Loan Data $685176.30 Comparison Data $685331.32 and Variance -$155.02.
The finance charge is $685,331.32. The disclosed finance charge of $685,176.30 is not considered accurate because it is
understated by more than $100.
2.TILA Foreclosure Rescission Finance Charge Test shows Loan Data $685176.30 Comparison Data $685331.32 and Variance -$155.02.
The finance charge is $685,331.32. The disclosed finance charge of $685,176.30 is not considered accurate for purposes of
rescission because it is understated by more than $35.		    
xx 33557883 xx 561 561-882 xx Non-QM QC Complete New York xx Data Edit Data Edit Active B * Foreclosure Delay or Contested (Lvl 2) Foreclosure file was contested and litigated by the borrower on xx/xx/xxxx as per comment dated xx/xx/xxxx this contested and litigation were resolved on xx/xx/xxxx. There is no information regarding the type of contested and litigation.    
xx 33557883 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider is missing from the loan file.    
xx 33557883 xx 561 561-882 xx Non-QM QC Complete New York xx Legal Docs Mortgage Active B * Mortgage  (Lvl 2) Subject loan was originated under jumbo loan category.    
xx 33557883 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) xx    
xx 33557883 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in New York State. The following state disclosures are missing from the loan file.


1.NY Consumer Credit Disclosure / Fair Credit Reporting Notice
2.NY Interest Rate Disclosure
3.NY Hazard Insurance  Disclosure
4.Tax Escrow Account Designation
5.Mortgage Bankers and Exempt Organizations Preapplication
6.Part 80 Disclosure
7.Alternative Mortgage Transaction Disclosures
8.Co-Signer Notice Requirements
9.Default Warning Notice
10.Smoke Alarm Affidavit		    
xx 33557883 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 33557883 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 33557883 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 33557883 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 2) xx    
xx 24478211 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 24478211 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Provider is missing from the loan file.    
xx 24478211 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index numerical value is unavailable as the supportive documents such as  Rate lock agreement/Closing instruction are missing from the loan file    
xx 24478211 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Florida State. The following state disclosures are missing in the loan file.
1.Anti-Coercion Notice
2.Title Insurance Disclosure
3.Radon Gas Disclosure
4.Insurance Sales Disclosure		    
xx 25041968 xx 561 561-882 xx Non-QM QC Complete Arkansas xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 25041968 xx 561 561-882 xx Non-QM QC Complete Arkansas xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 25041968 xx 561 561-882 xx Non-QM QC Complete Arkansas xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal is missing from the loan file.    
xx 25041968 xx 561 561-882 xx Non-QM QC Complete Arkansas xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) The mortgage insurance certificate is missing from the loan file.    
xx 61173197 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 61173197 xx 561 561-882 xx Non-QM QC Complete Michigan xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 61173197 xx 561 561-882 xx Non-QM QC Complete Michigan xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
xx 61173197 xx 561 561-882 xx Non-QM QC Complete Michigan xx Credit Doc Issue Active B * Good Faith Estimate missing or unexecuted (Lvl 2) Good faith estimate is missing from the loan file.    
xx 61173197 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of settlement service providers is missing from the loan file.    
xx 61173197 xx 561 561-882 xx Non-QM QC Complete Michigan xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) Mortgage insurance is missing from the loan file.    
xx 61173197 xx 561 561-882 xx Non-QM QC Complete Michigan xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is missing from the loan file.    
xx 61173197 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds    
xx 67745866 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 67745866 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application is missing from the loan file; however, income and expenses are taken from initial application.    
xx 67745866 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Following are the required state disclosures missing from the loan file;
NY Consumer Credit Disclosure / Fair Credit Reporting Notice
NY Interest Rate Disclosure
NY Hazard Insurance  Disclosure
Co-Signer Notice Requirements
New York Real Property Escrow Account Disclosure
Subprime Home Loan Counseling Disclosure
Subprime Home Loan Disclosure
Commitment Disclosure
Lock-in Disclosure
Expiration of Lock-in or Commitment Period		    
xx 67745866 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer is missing from the loan file.    
xx 67745866 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from the loan file.    
xx 67745866 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Title Review Active B * Active Judgment Against Borrower (Lvl 2) Updated title report dated xx/xx/xxxx shows that there is one senior judgment against the borrower xx    
xx 37169914 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 37169914 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 37169914 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application is missing from the loan file.    
xx 37169914 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Following are the required state disclosures missing from the loan file;
OK Title protection notice
Insurance Disclosure
NSF Fee Disclosure
Over-the-limit fees
Notice of Rights to Obtain a Security Freeze		    
xx 37169914 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 37169914 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer document is missing from the loan file.    
xx 37169914 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from the loan file.    
xx 69854804 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 69854804 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 69854804 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 69854804 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 69854804 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 69854804 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) xx    
xx 69854804 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Title Issue Active B * Title issue (Lvl 3) xx    
xx 69854804 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Florida State. The following state disclosures are missing in the loan file.
1.Anti-Coercion Notice
2.Title Insurance Disclosure
3.Radon Gas Disclosure
4.Insurance Sales Disclosure		    
xx 69854804 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA Finance Charge Test: FAIL Loan Data:$190,371.23, Comparison data:$195,471.70 Variance:-$5,100.47
This loan failed the TILA finance charge test.
The finance charge is $195,471.70. The disclosed finance charge of $190,371.23 is not considered accurate because it is
understated by more than $100.
TILA Foreclosure Rescission Finance Charge Test: FAIL, Loan Data:$190,371.23, Comparison data:$195,471.70 Variance:-$5,100.47
This loan failed the TILA foreclosure rescission finance charge test.
The finance charge is $195,471.70. The disclosed finance charge of $190,371.23 is not considered accurate for purposes of
rescission because it is understated by more than $35.		    
xx 69854804 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) TILA Finance Charge Test: FAIL Loan Data  xx Comparison Data xx  Variance -xx    
xx 76630335 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 76630335 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 76630335 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Compliance Ease Risk Indicator is moderate as the loan is failing for TILA Right of Rescission Test:.    
xx 76630335 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) Compliance Ease Risk Indicator is moderate as the loan is failing for TILA Right of Rescission Test:.
This loan failed the TILA right of rescission test.
Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) ,
transferred from 12 CFR §226.15(a)(3) )
The funding date is before the third business day following consummation.
The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the
notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last		    
xx 76630335 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Following state disclosures are missing from the loan file.
Agent Preference Disclosure
Casualty Insurance Disclosure		    
xx 76630335 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 76630335 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan Program Disclosure missing or unexecuted.    
xx 76630335 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from the loan file.    
xx 76630335 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 76630335 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 76630335 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 76630335 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Legal Docs Legal Docs Active B * Updated title review shows IRS / vehicle / federal / personal tax liens (Lvl 2) Updated title report dated on xx/xx/xxxx states that there is iRS liens against the borrower in the amount of xx; however the SSN number provided on document is does not match with the borrowers SSN number.    
xx 76630335 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Title Review Active B * Active State Tax Lien Judgement. (Lvl 2) Updated title report dated on xx/xx/xxxx states that there is state tax lien against the borrower in the amount of $xx which was filed by xx.    
xx 64775023 xx 561 561-882 xx Non-QM QC Complete Washington D.C. xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 64775023 xx 561 561-882 xx Non-QM QC Complete Washington D.C. xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 64775023 xx 561 561-882 xx Non-QM QC Complete Washington D.C. xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 64775023 xx 561 561-882 xx Non-QM QC Complete Washington D.C. xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers document is missing from the loan file.    
xx 64775023 xx 561 561-882 xx Non-QM QC Complete Washington D.C. xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 64775023 xx 561 561-882 xx Non-QM QC Complete Washington D.C. xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in state of Washington DC. The following state disclosures are missing from the loan file.
1) Mortgage Loan Servicing Disclosure.
2) Choice of Insurance Notice.
3) Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application.		    
xx 21780238 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 21780238 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 2) According to the updated title report dated xx/xx/xxxx, there are xx taxes delinquent in the amount of $767.89 and are payable till the good through date of xx  Although, the title searcher note says that xx taxes have been partially paid. The remaining amount is due by xx  Total amount of taxes are in the amount of $1707.92 out which $940.03 has been paid.    
xx 21780238 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 21780238 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers document is missing from the loan file.    
xx 21780238 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 38227161 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 38227161 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 38227161 xx 561 561-882 xx Non-QM QC Complete Michigan xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 38227161 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Compliance Ease risk indicator shows moderate due to TILA Finance Charge Test and TILA Foreclosure Rescission Finance Charge Test failed.    
xx 38227161 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers document is missing from the loan file.    
xx 38227161 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in MI State. The following state disclosures are missing in the loan file.
MI Borrowers Bill of Rights
MI Consumer Caution and Homeownership Counseling Notice
Choice of Insurance Agent
List of service providers		    
xx 38227161 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) )
The finance charge is $191,335.52. The disclosed finance charge of $190,905.20 is not considered accurate because it is understated by more than $100.

This loan failed the TILA foreclosure rescission finance charge test. ( 12 CFR §1026.23(h) , transferred from 12 CFR §226.23(h) )
The finance charge is $191,335.52. The disclosed finance charge of $190,905.20 is not considered accurate for purposes of rescission because it is understated by more than $35.		    
xx 23782708 xx 561 561-882 xx Non-QM QC Complete Nevada xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) An affiliated business disclosure is missing from the loan files.    
xx 23782708 xx 561 561-882 xx Non-QM QC Complete Nevada xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 23782708 xx 561 561-882 xx Non-QM QC Complete Nevada xx Credit Credit Active B * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 is missing from the loan file; However, the points and fees are updated as per estimated HUD-1 located at "xx"    
xx 23782708 xx 561 561-882 xx Non-QM QC Complete Nevada xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 23782708 xx 561 561-882 xx Non-QM QC Complete Nevada xx NPL General Active B * Describe the BK payment plan (Lvl 3) xx    
xx 23782708 xx 561 561-882 xx Non-QM QC Complete Nevada xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Nevada; However, the required disclosure "Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application" is missing from the loan file.    
xx 31250642 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 31250642 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 31250642 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 31250642 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 31250642 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from the loan file.    
xx 31250642 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The following state (FL) disclosures are missing from the loan file:

1.Anti-Coercion Notice
2.Insurance Sales Disclosure		    
xx 96142849 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 96142849 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 96142849 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Compliance Ease Risk Indicator is moderate as the loan is failing for CT License Validation Test:    
xx 96142849 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Compliance Compliance Active B * ComplianceEase Exceptions Test Failed (Lvl 2) Compliance Ease Risk Indicator is moderate as the loan is failing for CT License Validation Test:
This loan failed the Connecticut license validation test. (CT HB 5577 Section 39(b))
First mortgage lender licenses and secondary mortgage lender licenses in existence on June 30th, 2008 shall be deemed on and
after July 1st, 2008, to be a mortgage lender license.
As of July 1, 2008 the Connecticut First Mortgage Lender License and the Connecticut Second Mortgage Lender License are no
longer valid. The Connecticut Mortgage Lender License is available for loans with a closing date before July 1st, 2008.		    
xx 96142849 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
xx 96142849 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 96142849 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from the loan file.    
xx 96142849 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from the loan file.    
xx 96142849 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by the borrower.    
xx 96142849 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 96142849 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in FL State. The following state disclosures are missing in the loan files.
Anti-Coercion Notice
Title Insurance Disclosure
Radon Gas Disclosure
Insurance Sales Disclosure		    
xx 96142849 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 32130156 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 32130156 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 32130156 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider is missing from the loan file.    
xx 32130156 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
xx 32130156 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in New Jersey State. The following required state disclosures are missing from the loan file.
1.NJ Application Disclosure
2.Delivery Fee Authorization
3.NJ Attorney Disclosure
4.Unacceptability of Insurance Notice
5.Attorney Disclosure II
6.Tax Bill Information
7.Private Well Testing
8.Lock-In Agreement
9.Commitment Disclosures
10.Choice of Insurer Disclosure
11.Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 32130156 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA Finance Charge Test: FAIL Loan Data:$198,198.00 Comparison Data:$198,793.00 Variation:-$595.00
This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) )
The finance charge is $198,793.00. The disclosed finance charge of $198,198.00 is not considered accurate because it is
understated by more than $100.

TILA Finance Recession Finance Charge Test: FAIL Loan Data: $198,198.00 Comparison Data: $198,793.00 Variation:-$595.00
This loan failed the TILA foreclosure rescission finance charge test. (12 CFR §1026.23(h), transferred from 12 CFR
§226.23(h) )
The finance charge is $198,793.00. The disclosed finance charge of $198,198.00 is not considered accurate for purposes of
rescission because it is understated by more than $35.		    
xx 32130156 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) TILA Finance Charge Test: FAIL Loan Data  xx Comparison Data xx  Variance -xx    
xx 32130156 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 2) xx    
xx 29965 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 29965 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Data Edit Data Edit Active B * Deceased Borrower(s) (Lvl 3) According to the updated title report dated xx/xx/xxxx, the borrower,xx was deceased on xx. However, no details regarding the death certificate or probate has been found in the collection comments.

.		    
xx 29965 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower however date is printed on Final TIL.    
xx 29965 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 29965 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Service of transfer certificate is missing from the loan file.    
xx 45546501 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 45546501 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 45546501 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Valuation Property Active B * Property Damage (Lvl 2) Collection comment dated xx/xx/xxxx shows that the borrower had an insurance check for the damaged property; however, the same comment states that the damages have been repaired. No amount of damage or nature of damage has been mentioned in the collection comments. BPO report dated xx/xx/xxxx shows that the subject property is owner occupant with no visible damages or repairs.    
xx 45546501 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final loan application is missing from the loan files; however, there is an application located at "xx"    
xx 45546501 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Credit Doc Issue Active B * Initial Good Faith Estimate is Missing (Lvl 2) Initial GFE is missing from the loan files.    
xx 45546501 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Credit Doc Issue Active B * Initial Truth in Lending Disclosure is Missing (Lvl 2) Initial TIL is missing from the loan files; however, there is initial TIL located at 'xx" but that is not signed by the borrower.    
xx 45546501 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 2) xx    
xx 45546501 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated business disclosure is missing from the loan files.    
xx 45546501 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) The appraisal report is missing from the loan files.    
xx 45546501 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Credit Doc Issue Active B * Good Faith Estimate missing or unexecuted (Lvl 2) The final GFE is missing from the loan files.    
xx 45546501 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) The final TIL is missing from the loan files.    
xx 45546501 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) The initial escrow acct disclosure is missing from the loan files.    
xx 45546501 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service providers is missing from the loan files.    
xx 45546501 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The notice of service transfer is missing from the loan files.    
xx 45546501 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) The ROR is missing from the loan files.    
xx 45546501 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Connecticut State. The following required state disclosures are missing from the loan file.
1.Appraisal Disclosure
2.2nd Liens = provide CT disclosure and comply with terms Mortgage Insurance Disclosure
3.Interest Rate Disclosure
4.Lock-In Agreement Disclosure
5.Payoff Statement Disclosure
6.Legal RepresentationDisclosure
7.Non-Prime HUD ContactDisclosure
8.Non-Prime Notice of LoanTerms Disclosure
9.Interim Financing Disclosure		    
xx 45546501 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA APR test.
The annual percentage rate (APR) is 4.404%. The disclosed APR of 0.000% is not considered accurate because it is more than
1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.		    
xx 45546501 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA APR test.
The annual percentage rate (APR) is 4.404%. The disclosed APR of 0.000% is not considered accurate because it is more than
1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.
TILA APR Test: Result FAIL Loan Data 0.000% Comparison Data 4.404% Variance -4.404%		    
xx 23315208 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Property Active B * Property Damage (Lvl 2) Collection comment dated on xx/xx/xxxx states that investment property is damages by the tenant. The damages amount is not given in comments. The nature of the damage is unavailable. No details were found regarding the insurance claim; however the latest BPO report dated xx/xx/xxxx does not reflect any kind of damage towards the subject property.    
xx 23315208 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Following state disclosure are missing from the loan file.
Anti-Coercion Notice
Title Insurance Disclosure
Radon Gas Disclosure
Insurance Sales Disclosure		    
xx 23315208 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider disclosure is missing from the loan file.    
xx 23315208 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Note / Mod Active B * Lost Note Affidavit (Lvl 3) Lost note affidavit is found in the loan file at locator (“xx”) which states the original note was lost. The duplicate copy of note is located in the same file."    
xx 23315208 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is missing from the loan file.    
xx 23315208 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from the loan file.    
xx 23315208 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 2) xx    
xx 95463077 xx 561 561-882 xx Non-QM QC Complete Washington D.C. xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 95463077 xx 561 561-882 xx Non-QM QC Complete Washington D.C. xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 95463077 xx 561 561-882 xx Non-QM QC Complete Washington D.C. xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Compliance Ease Risk Indicator is moderate as the loan is failing for TILA APR rate : Charged 0.000%  Allowed 6.058% Over By -6.058.    
xx 95463077 xx 561 561-882 xx Non-QM QC Complete Washington D.C. xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) Compliance Ease Risk Indicator is moderate as the loan is failing for TILA APR rate : Charged 0.000%  Allowed 6.058% Over By -6.058.
This loan failed the TILA APR test. ( 12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4) )
The annual percentage rate (APR) is 6.058%. The disclosed APR of 0.000% is not considered accurate because it is more than
1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.		    
xx 95463077 xx 561 561-882 xx Non-QM QC Complete Washington D.C. xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD1 is not signed by the borrower.    
xx 95463077 xx 561 561-882 xx Non-QM QC Complete Washington D.C. xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 95463077 xx 561 561-882 xx Non-QM QC Complete Washington D.C. xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Following state disclosures are missing from the loan file.
Mortgage Loan Servicing Disclosure
Choice of Insurance Notice
Purchase Money Residential Mortgage Loan Closing Valuation Disclosure
Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 95463077 xx 561 561-882 xx Non-QM QC Complete Washington D.C. xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial account disclosure is missing from the loan file.    
xx 95463077 xx 561 561-882 xx Non-QM QC Complete Washington D.C. xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider disclosure is missing from the loan file.    
xx 95463077 xx 561 561-882 xx Non-QM QC Complete Washington D.C. xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer is missing from the loan file.    
xx 95463077 xx 561 561-882 xx Non-QM QC Complete Washington D.C. xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from the loan file.    
xx 95463077 xx 561 561-882 xx Non-QM QC Complete Washington D.C. xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 95463077 xx 561 561-882 xx Non-QM QC Complete Washington D.C. xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 95463077 xx 561 561-882 xx Non-QM QC Complete Washington D.C. xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 3) xx    
xx 17396252 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 17396252 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 17396252 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by borrower.    
xx 17396252 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Following state disclosure are missing from the loan file.
·OK Title protection notice
·Insurance Disclosure
·NSF Fee Disclosure
·Over-the-limit fees
·Notice of Rights to Obtain a Security Freeze		    
xx 17396252 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow disclosure is missing from the loan file.    
xx 17396252 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from the loan file.    
xx 17396252 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from the loan file.    
xx 17396252 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 91658084 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 91658084 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 91658084 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Following required state disclosures are missing from the loan file.
Delivery Fee Authorization
NJ Attorney Disclosure
Unacceptability of Insurance Notice
Tax Bill Information
Private Well Testing
Choice of Insurer Disclosure
Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 91658084 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider disclosure is missing from the loan file.    
xx 91658084 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
xx 91658084 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index numerical value is unavailable as the supportive documents such as Loan program disclosure/Rate lock agreement/Closing instruction are missing from the loan file.    
xx 91658084 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase State/Local Predatory Test Failed (Lvl 2) The CE risk indicator is Significant as the loan is failing for NJ HOSA 2004 Home Loan Grace Period Test and NJ HOSA 2004 Home Loan Late Charge Test.
The allowed late charge is 5% however borrower has been charged 6%. To cure this violation the late charge should be changed to allowable amount.
And the home loan charges a late payment fee assessed on a payment past due for 10 days, which is less than the allowed minimum of 15 days. Grace period should be changed to allowable grace period.		    
xx 91658084 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Significant" (Lvl 2) The CE risk indicator is Significant as the loan is failing for NJ HOSA 2004 Home Loan Grace Period Test and NJ HOSA 2004 Home Loan Late Charge Test.
The allowed late charge is 5% however borrower has been charged 6%. To cure this violation the late charge should be changed to allowable amount.
And the home loan charges a late payment fee assessed on a payment past due for 10 days, which is less than the allowed minimum of 15 days. Grace period should be changed to allowable grace period.		    
xx 91658084 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test.
The loan does charge fee(s) not provided for in this act, which is prohibited.
A person licensed as a mortgage broker shall have the right to charge only the following fees: (1) application fee; and (2) discount points which may be labeled as an origination fee.		    
xx 99921353 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 99921353 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 99921353 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit DTI Active B * DTI > 60% (Lvl 2) As per final loan application, the total income of borrower is $xx; however, the total debts are $xx so the DTI is greater than 60%.    
xx 99921353 xx 561 561-882 xx Non-QM QC Complete Washington xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 99921353 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan files.    
xx 99921353 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated business disclosure is missing from the loan files.    
xx 99921353 xx 561 561-882 xx Non-QM QC Complete Washington xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) The final HUD-1 not signed by borrowers.    
xx 99921353 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The notice of service transfer is missing from the loan files.    
xx 99921353 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) The ROR is missing from the loan files.    
xx 99921353 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Washington. The required state disclosures missing from the loan file are:  Construction Lien Disclosure, Mortgage Loan Servicing Disclosure, Choice of Insurance Notice, Purchase Money Residential Mortgage Loan Closing Valuation Disclosure, Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application.    
xx 13916069 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 13916069 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 13916069 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business disclosure is missing from the loan files.    
xx 13916069 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Valuation Property Active B * Property Damage (Lvl 2) As per available exterior property inspection report dated xx/xx/xxxx located at xx, the subject property needs some miner repair for exterior painting. The estimated cost for damage repairs is in the amount of $2,500.00. However, no evidence of subject property damage has been found in the collection comments.    
xx 13916069 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) CE risk indicator is Moderate due to the loan is failing for TILA finance charge test and TILA foreclosure rescission finance charge test.
Allowed $160,847.61 Charged $160,997.61 Variance -$150.00		    
xx 13916069 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Following WI state disclosures are missing from the loan files.
Explanation of Personal Obligation
Marital Property Act Disclosure
Pre-Application Fee Disclosure
Choice of Insurance Disclosure
Escrow Disclosure
Tattle Tale Notice under the Marital Property Act.		    
xx 13916069 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 13916069 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Credit Other Disclosures Active B * Missing Required Disclosures (Lvl 2) The list of service providers is missing in the loan files.    
xx 13916069 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The servicing transfer disclosure is missing from the loan files.    
xx 13916069 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) )
The finance charge is $160,997.61. The disclosed finance charge of $160,847.61 is not considered accurate because it is understated by more than $100.

This loan failed the TILA foreclosure rescission finance charge test. ( 12 CFR §1026.23(h) , transferred from 12 CFR §226.23(h) )
The finance charge is $160,997.61. The disclosed finance charge of $160,847.61 is not considered accurate for purposes of rescission because it is understated by more than $35.		    
xx 1002615 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 1002615 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 1002615 xx 561 561-882 xx Non-QM QC Complete California xx Credit Credit Active B * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD is missing from the loan file. The file contains the Borrower's Estimated Settlement Statement with a Print Date of xx (the day all closing docs were signed) and a Disbursement Date of xx.  The HUD is also initialed by the borrower and is stamped true certified copy and signed by the settlement agent.    
xx 1002615 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 1002615 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The property is located in the State of California.  The following State Required Disclosures are missing from the file:
- CA Fair Lending Notice.
- Anti-Tying Disclosure.
- Fair Debt Collection Notice.
- Civil Union/Domestic Partnership Addendum to URLA.		    
xx 1002615 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) The ROR is not hand dated by the borrower.    
xx 46361914 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 46361914 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal report is missing from the loan file.    
xx 46361914 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Compliance ease risk indicator shows moderate due to TILA Finance Charge Test and TILA Foreclosure Rescission Finance Charge Test failed.    
xx 46361914 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Credit Doc Issue Active B * Good Faith Estimate missing or unexecuted (Lvl 2) Final GFE is missing from the loan file.    
xx 46361914 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Credit Doc Issue Active B * Initial Good Faith Estimate is Missing (Lvl 2) Initial GFE is missing from the loan file.    
xx 46361914 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Credit Doc Issue Active B * Initial Truth in Lending Disclosure is Missing (Lvl 2) Initial TIL is missing from the loan file.    
xx 46361914 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers document is missing from the loan file.    
xx 46361914 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in state of Louisiana. The following state disclosures are missing from the loan file.
Authorization Fees, Charges and Expenses for Federally Related Mortgage Loans.
Anti-Tying Disclosure.
Financial Institution Choice of Insurance Disclosure.		    
xx 46361914 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) )
The finance charge is $47,727.97. The disclosed finance charge of $47,319.92 is not considered accurate because it is understated by more than $100.

This loan failed the TILA foreclosure rescission finance charge test. ( 12 CFR §1026.23(h) , transferred from 12 CFR §226.23(h) )
The finance charge is $47,727.97. The disclosed finance charge of $47,319.92 is not considered accurate for purposes of rescission because it is understated by more than $35.		    
xx 46361914 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Credit DTI Active B * DTI > 60% (Lvl 2) Total income of borrower is $xx and expenses are of $xx which leads to the DTI of 68.927%. Hence the DTI is greater than 60% and exceeds the standard limit of 60%.    
xx 11385181 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 11385181 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 11385181 xx 561 561-882 xx Non-QM QC Complete Washington xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 11385181 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Title Review Active B * Title Review shows lien by DOJ_Department of Justice (Lvl 3) According to the updated title report dated xx/xx/xxxx, there is notice of lien against xx for fine and /or restitution imposed pursuant to the anti-terrorism and effective death penalty act of 1996 in the favor of department of justice for the amount of xx. The judgment was entered on xx. If the payment becomes past due, then possible penalties charged up to 25% of the principal amount may be added in the judgment amount. The above lien can affect the enforceability of the subject mortgage. Document of DOJ judgment does not contain SSN#/DOB/Property address to confirm the validity of the judgment.  However, the middle name of defendant which is "xx" mentioned on supportive document does not match with the borrower’s middle name (xx). Also, we called on xx to validate that said lien can affect subject property or not and it's against subject borrower or not, but the call went on voice mail. As middle name is not matching, we cannot validate above lien is against our subject borrower or not or updated title report just showing it as open due to common name.    
xx 11385181 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 11385181 xx 561 561-882 xx Non-QM QC Complete Washington xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD-1 is not signed by the borrower.    
xx 11385181 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 11385181 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Doc Issue Active B * ROR Transaction date not consistent with Note and/or HUD (Lvl 2) The subject mortgage was originated on xx. However, according to the ROR, the transaction date is xx    
xx 11385181 xx 561 561-882 xx Non-QM QC Complete Washington xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 11385181 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Washington state. The following disclosures are missing from the loan file:
Mortgage Loan Servicing Disclosure
Choice of Insurance Notice
Purchase Money Residential Mortgage Loan Closing Valuation Disclosure
Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 4952248 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 4952248 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 4952248 xx 561 561-882 xx Non-QM QC Complete Texas xx Data Edit Data Edit Active B * Litigation (Lvl 3) Loan is pending results of court hearing on xx/xx/xxxx re: Motion for Relief.    
xx 4952248 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) The finance charge is $xx. The disclosed finance charge of $xx is not considered accurate because it is understated by more than $100.    
xx 4952248 xx 561 561-882 xx Non-QM QC Complete Texas xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 4952248 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * ROR Transaction date not consistent with Note and/or HUD (Lvl 2) The ROR transcation date is xx but the loan origination date is xx.    
xx 4952248 xx 561 561-882 xx Non-QM QC Complete Texas xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 4952248 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA finance charge test.    
xx 4952248 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) TIL date is typed    
xx 4952248 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 3) xx    
xx 36226742 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 36226742 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 36226742 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Doc Issue Active B * Application Missing (Lvl 2) Application is missing from the loan file.    
xx 36226742 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 36226742 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 36226742 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service providers disclosure  is missing from the loan file.    
xx 36226742 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) xx    
xx 36226742 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is in Alabama state which is super lien state.
The following state Disclosure are missing from the loan file:
1. Choice of Insurer		    
xx 36226742 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) TIL document is not hand dated by the loan file.    
xx 59050261 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 59050261 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 59050261 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 59050261 xx 561 561-882 xx Non-QM QC Complete Alabama xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report/ 1008 is missing from the loan file.    
xx 59050261 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final loan application/1003 is missing from the loan file.    
xx 59050261 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 59050261 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 59050261 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Other Disclosures Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from the loan file.    
xx 59050261 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is missing from the loan file.    
xx 59050261 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 59050261 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Alabama State. The following state disclosure is missing from the loan file:
1. Choice of Insurer.		    
xx 59050261 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA APR test.    
xx 59050261 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA APR Test:FAIL, Loan Data: 0.000%, Comparison Data: 6.390% and Variance: -6.390%.
This loan failed the TILA APR test. ( 12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4) )
The annual percentage rate (APR) is 6.390%. The disclosed APR of 0.000% is not considered accurate because it is more than
1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.		    
xx 43615473 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 43615473 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application is missing from the loan file.    
xx 43615473 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
xx 43615473 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Title Review Active B * Signatures at closing - There is an issue with not all property owners signing the title. (Lvl 3) xx    
xx 43615473 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated Business Disclosure is missing from the loan file.    
xx 43615473 xx 561 561-882 xx Non-QM QC Complete Tennessee xx NPL General Active B * Describe the BK payment plan (Lvl 2) xx    
xx 43615473 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider disclosure is missing from the loan file.    
xx 43615473 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in TN state and the required disclosures are missing from the loan file as follow.
Placement of Insurance Disclosure, TN Consent to Disclosure of Insurance Information, Choice of Agent/insurer and Insurance Solicitation/Post Commitment.		    
xx 92677792 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 92677792 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 92677792 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 92677792 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Legal Docs Active B * Updated title review shows IRS / vehicle / federal / personal tax liens (Lvl 2) According to the updated title on xx/xx/xxxx there is one IRS lien against the borrower in the amount of xx.    
xx 92677792 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) CE Risk Indicator is "Moderate" as this loan failed TILA Finance Charge Test and TILA Foreclosure Rescission Finance Charge Test.
TILA Finance Charge Test: FAIL  loan data:$365,840.25  comparison data:$366,322.54  variance:-$482.29.
TILA Foreclosure Rescission Finance Charge Test:  loan data:$365,840.25  comparison data:$366,322.54  variance:-$482.29.		    
xx 92677792 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
xx 92677792 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by the borrower.    
xx 92677792 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in CA state and the required disclosures are missing from the loan file as follow.
Impound Account Disclosure, Cosigner Notice, Private Mortgage Insurance Disclosure, Hazard Insurance Disclosure, Insurer RecommendationDisclosure, Anti-Tying Disclosure, Privacy Notice, Notice of Right to Copy of Appraisal, Application for Credit-Married Persons, Fair Debt Collection Notice and Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application.		    
xx 92677792 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed TILA Finance Charge Test
TILA Finance Charge Test: FAIL  loan data:$365,840.25  comparison data:$366,322.54  variance:-$482.29.
The finance charge is $366,322.54. The disclosed finance charge of $365,840.25 is not considered accurate because it is
understated by more than $100.

This loan failed TILA Foreclosure Rescission Finance Charge Test.
TILA Foreclosure Rescission Finance Charge Test:  loan data:$365,840.25  comparison data:$366,322.54  variance:-$482.29.
The finance charge is $366,322.54. The disclosed finance charge of $365,840.25 is not considered accurate for purposes of
rescission because it is understated by more than $35.		    
xx 84927557 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 84927557 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 84927557 xx 561 561-882 xx Non-QM QC Complete Alabama xx Valuation Appraisal Active B * Property is vacant (Lvl 3) Collection comment dated xx/xx/xxxx shows that the subject property is vacant and secured. No further information found.    
xx 84927557 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
xx 84927557 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is missing from the loan files.    
xx 84927557 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by the borrower.    
xx 84927557 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The affiliated business form disclosure is missing from the loan files.    
xx 84927557 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.    
xx 36798940 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 36798940 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 36798940 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase risk indicator is Moderate due to TILA failed for Finance Charge Test, Foreclosure Rescission Finance Charge Test and APR Test.    
xx 36798940 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) ComplianceEase TILA Test failed for Finance Charge Test. As per loan data the Finance Charge is $81,785.10. However comparison data is $84,320.64 and variance is -$2,535.54.
ComplianceEase TILA Test failed for Foreclosure Rescission Finance Charge Test. As per loan data the Foreclosure Rescission Finance Charge is $81,785.10. However comparison data is $84,320.64 and variance is -$2,535.54.
ComplianceEase TILA Test failed for APR Test. As per loan data the APR is 6.290%. However comparison data is 6.588% and variance is -0.298%.		    
xx 36798940 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated Business Disclosure is missing from the loan file.    
xx 36798940 xx 561 561-882 xx Non-QM QC Complete Texas xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The loan modification agreement made on xx, the new principal balance is xx. However, there is principal reduction alternative. The amount of $xx of the principal balance is eligible for forgiveness.    
xx 36798940 xx 561 561-882 xx Non-QM QC Complete Texas xx NPL General Active B * Describe the BK payment plan (Lvl 2) xx    
xx 36798940 xx 561 561-882 xx Non-QM QC Complete Texas xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 65657017 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 65657017 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 65657017 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD-1 is not signed by borrower.    
xx 65657017 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan file.    
xx 65657017 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 65657017 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) The chain of assignment is incomplete as there is a break in chain of assignment from xx to xx.    
xx 32862194 xx 561 561-882 xx Non-QM QC Complete Utah xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 32862194 xx 561 561-882 xx Non-QM QC Complete Utah xx Credit DTI Active B * DTI > 60% (Lvl 2) Final 1003 reflects total monthly income as $xx ; however total debts in the amount of $xx hence DTI is greater than 60%.    
xx 32862194 xx 561 561-882 xx Non-QM QC Complete Utah xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 32862194 xx 561 561-882 xx Non-QM QC Complete Utah xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Servicing comments is available from xx/xx/xxxx toxx/xx/xxxx. However, we require latest 24 months of  servicing comments. servicing comments is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 32862194 xx 561 561-882 xx Non-QM QC Complete Utah xx NPL NPL Active B * Evidence in the file shows the property was surrendered to the courts/trustee (Lvl 3) The borrower Exx. The Amended schedules filed on xx shows a special intention of property surrender to the subject creditor. The plan seeks the borrower will surrender the subject property to the creditor (xx) in partial satisfaction of the secured claim and the creditor will have 180 days from the confirmation hearing date to file an amended claim for an unsecured deficiency. The servicing comment does not reflect any information about property surrender. However, the updated title report dated xx/xx/xxxx shows the current owner name as xx(original owner)    
xx 32862194 xx 561 561-882 xx Non-QM QC Complete Utah xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The Subject property is located in Utah  (UT) state. The below Required State disclosures are missing in the given loan files. 
1]Notice of Change of Terms For Open-End Consumer Credit Contract.
2]Disclosure of Debtor’s Waiver of Class Action.
3]Fee Disclosure.		    
xx 89471659 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 89471659 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business form disclosure is missing from the loan file.    
xx 89471659 xx 561 561-882 xx Non-QM QC Complete Georgia xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal Repoert is missing from loan file.    
xx 89471659 xx 561 561-882 xx Non-QM QC Complete Georgia xx Legal Docs Title Issue Active B * Title issue (Lvl 3) xx    
xx 89471659 xx 561 561-882 xx Non-QM QC Complete Georgia xx Data Edit Data Edit Active B * Written or verbal dispute (Lvl 2) Dispute was started on xx/xx/xxxxregarding payments. Comment dated xx/xx/xxxx states that borrower was disputing regarding payments and same comments shows counsel require proof of history where the borrower was delinquent. No further details have been found.    
xx 89471659 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final Application is missing from the loan file.    
xx 89471659 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 along with estimated HUD-1 or itemization of fees are missing from the loan file    
xx 89471659 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing form the loan file.    
xx 89471659 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Providers disclosure is missing from the loan file.    
xx 89471659 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 89471659 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Service transfer document disclosure is missing from the loan file.    
xx 89471659 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Title Review Active B * Property address changed since origination - address on updated title different from note (Lvl 2) xx    
xx 30651919 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 30651919 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 30651919 xx 561 561-882 xx Non-QM QC Complete Washington xx Valuation Property Active B * Property Damage (Lvl 2) As per the inspection report dated xx/xx/xxxx, the roof needs to be repaired with the estimated cost of $1000.00. No further details regarding the same have been found. The As-is listed price is $xx.    
xx 30651919 xx 561 561-882 xx Non-QM QC Complete Washington xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) As per the review of the updated title report, the Chain of assignment of assignment has not been completed. Currently, the mortgage is with xx.    
xx 30651919 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The following disclosures are missing from the loan file, Construction Lien Disclosure, Mortgage Loan Servicing Disclosure, Choice of Insurance Notice, Purchase Money Residential Mortgage Loan Closing Valuation Disclosure and Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application.    
xx 30651919 xx 561 561-882 xx Non-QM QC Complete Washington xx NPL General Active B * Recent Foreclosure Sale - Need Update (Lvl 4) xx    
xx 30651919 xx 561 561-882 xx Non-QM QC Complete Washington xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 30651919 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA foreclosure rescission finance charge test. ( 12 CFR §1026.23(h) , transferred from 12 CFR
§226.23(h) )
The finance charge is $331,256.84. The disclosed finance charge of $331,176.95 is not considered accurate for purposes of
rescission because it is understated by more than $35.		    
xx 30651919 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) TILA Foreclosure Rescission Finance Charge Test: FAIL xx xx -$79.89.    
xx 68500450 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 68500450 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 68500450 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Amount of title insurance is less than mortgage amount (Lvl 3) As per final title policy dated xx shows that the amount insurance is xx  which less than the loan amount xx.    
xx 68500450 xx 561 561-882 xx Non-QM QC Complete California xx Credit Credit Active B * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 is missing from the loan file however Closing statement is available in the loan file which is located at "xx", all fees are captured from closing statement to run the compliance.    
xx 68500450 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan file.    
xx 68500450 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider is missing from the loan file.    
xx 68500450 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index numerical value is unavailable as the supportive documents such as Loan program disclosure/Rate lock agreement/Closing instruction are missing from the loan file    
xx 68500450 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated Business Disclosure is missing from the loan file.    
xx 68500450 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) xx     
xx 68500450 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Mortgage Active B * Mortgage  (Lvl 2) Subject loan was originated under jumbo loan category.    
xx 68500450 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) The Final HUD 1 Settlement Statement is missing from the loan file. So there is no sign of the borrower. All the points and fees are captured from the estimated HUD 1Statement to run thee compliance.    
xx 68500450 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The property is located in state of California. The following required State Disclosure is missing in the loan file.
1.Impound Account Disclosure
2.Cosigner Notice
3.Private Mortgage Insurance Disclosure
4.Earthquake Disclosure forCondominiums
5.Hazard Insurance Disclosure
6.Insurer RecommendationDisclosure
7.CA Fair Lending Notice
8.Anti-Tying Disclosure
9.Privacy Notice		    
xx 68500450 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Legal Docs Active B * Updated title review shows IRS / vehicle / federal / personal tax liens (Lvl 2) There are two active IRS liens has been found on updated title report dated xx/xx/xxxx against the subject borrower which is in the total amount of xx.    
xx 4808780 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 4808780 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 4808780 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 4808780 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 4808780 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 4808780 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers document is missing from the loan file.    
xx 4808780 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
xx 4808780 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by the borrower.    
xx 4808780 xx 561 561-882 xx Non-QM QC Complete Illinois xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 4808780 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) xx     
xx 16259287 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 16259287 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 16259287 xx 561 561-882 xx Non-QM QC Complete New York xx NPL General Active B * Water/Sewer Taxes (Lvl 2) According to the review of the updated title report dated xx/xx/xxxx, the utilities charge of the year xx are delinquent in  the amount ofxx.    
xx 16259287 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of provider document is missing from the loan file.    
xx 16259287 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business form disclosure is missing from the loan file.    
xx 69776738 xx 561 561-882 xx Non-QM QC Complete Puerto Rico xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business disclosure is missing from the loan file.    
xx 69776738 xx 561 561-882 xx Non-QM QC Complete Puerto Rico xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan file.    
xx 69776738 xx 561 561-882 xx Non-QM QC Complete Puerto Rico xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application along with transmittal is missing from the loan file.    
xx 69776738 xx 561 561-882 xx Non-QM QC Complete Puerto Rico xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 along with estimated HUD-1 and itemizations are unavailable in the loan file.    
xx 69776738 xx 561 561-882 xx Non-QM QC Complete Puerto Rico xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 69776738 xx 561 561-882 xx Non-QM QC Complete Puerto Rico xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account disclosure is missing from the loan file.    
xx 69776738 xx 561 561-882 xx Non-QM QC Complete Puerto Rico xx Credit Other Disclosures Active B * Missing Required Disclosures (Lvl 2) List of Service Providers disclosure is missing from the loan file.    
xx 69776738 xx 561 561-882 xx Non-QM QC Complete Puerto Rico xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
xx 69776738 xx 561 561-882 xx Non-QM QC Complete Puerto Rico xx Compliance Compliance Active B * Operative Index Numerical Value Unavailable based on lender docs (Lvl 2) Operative Index Value unavalilable from loan file.    
xx 69776738 xx 561 561-882 xx Non-QM QC Complete Puerto Rico xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 69776738 xx 561 561-882 xx Non-QM QC Complete Puerto Rico xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 69776738 xx 561 561-882 xx Non-QM QC Complete Puerto Rico xx NPL General Active B * Missing Updated Title Report (Lvl 2) The protitle USA only provided the abstractor data with the updated title report. Protitle confirmed that this is because Puerto Rico will not have supporting documents copy.    
xx 69776738 xx 561 561-882 xx Non-QM QC Complete Puerto Rico xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) This loan modification was done on xx (Lender).  The amortization type is fixed and new unpaid Principal balance is $xx and lender agree to forgiven the principal balance in the amount of $xx which is exceeds 2% of modification amount.    
xx 20821146 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 20821146 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 20821146 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR document is missing from the loan file.    
xx 20821146 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated Business Disclosure is missing from the loan file.    
xx 20821146 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) The finance charge is $265,370.42. The disclosed finance charge of $265,232.92 is not considered accurate because it is understated by more than $100. The finance charge is $265,370.42. The disclosed finance charge of $265,232.92 is not considered accurate for purposes of rescission because it is understated by more than $35.    
xx 20821146 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The List of Service Provider Disclosure is missing from the loan file.    
xx 20821146 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) The review of TIL document shows that, the TIL is not hand dated by borrower.    
xx 20821146 xx 561 561-882 xx Non-QM QC Complete Illinois xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 20821146 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA finance charge test and TILA foreclosure rescission finance charge test    
xx 27654648 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 27654648 xx 561 561-882 xx Non-QM QC Complete New York xx Data Edit Data Edit Active B * Foreclosure Delay or Contested (Lvl 3) The foreclosure was initiated and the file was referred to an attorney on xx.
There was a litigation issue and contested issue; however, as per the comment dated xx/xx/xxxx, the litigated issue was resolved. However, as per the comment dated xx/xx/xxxx, the borrower had filed an opposition to the judgment of foreclosure and sale on xx. The borrowers alleged that the Assignment from xx proven its standing and that the borrowers were not afforded an opportunity to modify.
The borrowers came out of bankruptcy on xx , months due to the overwhelming volume. Hence, unable to determine whether the contested issue has been resolved or not.		    
xx 27654648 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The notice of service providers is missing from the loan file.    
xx 27654648 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The notice of Servicing transfer document is missing from the loan file.    
xx 27654648 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in NY state. The following state disclosure is missing from the loan file.
NY Consumer Credit Disclosure / Fair Credit Reporting Notice,
NY Interest Rate Disclosure,
NY Hazard Insurance  Disclosure,
Tax Escrow Account Designation,
Mortgage Bankers and Exempt Organizations Preapplication,
Part 80 Disclosure,
Alternative Mortgage Transaction Disclosures,
Co-Signer Notice Requirements,
Default Warning Notice,
Smoke Alarm Affidavit,
New York Real Property Escrow Account Disclosure,
Subprime Home Loan Counseling Disclosure,
Subprime Home Loan Tax and Insurance Payment Disclosure,
Subprime Home Loan Disclosure,
Commitment Disclosure,
Lock-in Disclosure,
Expiration of Lock-in or Commitment Period.		    
xx 27654648 xx 561 561-882 xx Non-QM QC Complete New York xx Data Edit Data Edit Active B * Litigation (Lvl 2) There was a litigation issue; however as per the comment dated xx/xx/xxxx, the litigated issue was resolved. No more information related to litigation has been provided.    
xx 87479033 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 87479033 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 87479033 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 87479033 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 87479033 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider is missing from the loan file.    
xx 87479033 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) Prohibited Fees Test: FAIL,loan data: $784.00, comparison data:  $0.00, variance: +$784.00    
xx 87479033 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Service transfer document is missing from the loan file.    
xx 87479033 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The compliance ease risk indicator is moderate due to Prohibited Fees Test failed.    
xx 87479033 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) xx    
xx 87479033 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in New Jersey State. The state disclosures missing from the loan file are: NJ Application Disclosure, Delivery Fee Authorization, NJ Attorney Disclosure, Unacceptability of Insurance Notice, Attorney Disclosure II, Tax Bill Information, Private Well Testing, Lock-In Agreement, Commitment Disclosures, Choice of Insurer Disclosure, Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application.    
xx 87479033 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 87479033 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Title Review Active B * Active State Tax Lien Judgement. (Lvl 3) Updated title report dated xx/xx/xxxx state there is one senior state tax lien is in the amount of $xx, recorded on xx. However the final title policy does not reflect any exception for the same.    
xx 87479033 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 1107856 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 1107856 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 1107856 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) xx    
xx 1107856 xx 561 561-882 xx Non-QM QC Complete New York xx Data Edit Data Edit Active B * Foreclosure Delay or Contested (Lvl 2) Foreclosure was initiated on loan with case # xx.  Loan is still on foreclosure hold and in active bankruptcy.    
xx 1107856 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from the loan file.    
xx 1107856 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 1107856 xx 561 561-882 xx Non-QM QC Complete New York xx Legal Docs Mortgage Active B * Mortgage  (Lvl 2) Subject loan was originated under jumbo loan category.    
xx 1107856 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 1107856 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The property is located in the State of New York.  The following State Required Disclosures are missing from the loan file.
1. Mortgage Bankers and Exempt Organizations Pre application
2. Default Warning Notice
3. Expiration of Lock-in or Commitment Period		    
xx 1107856 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Required Affiliated Business Disclosure is missing from the loan file.    
xx 1107856 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 2) xx    
xx 23893598 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 23893598 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) list of service providers is missing from the loan files.    
xx 23893598 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated business disclosure is missing from the loan files.    
xx 23893598 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) The appraisal report is missing from the loan files.    
xx 23893598 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) The final HUD-1 along with the estimated HUD-1 and itemization are missing from the loan files.    
xx 23893598 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Doc Issue Active B * Application Missing (Lvl 2) The final loan application is missing from the loan files.    
xx 23893598 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) The final TIL is missing from the loan files.    
xx 23893598 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The notice of service transfer is missing from the loan files.    
xx 23893598 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) The ROR is missing from the loan files.    
xx 23893598 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in MA State. The following state disclosures are missing in the loan files.
Lead-Based Paint Disclosure
Mortgage Loan Application Disclosure
Carbon Monoxide Alarms
MA Smoke Detector Certificate
Notice of the Specific Reason for Denial of Credit
Demonstration and Documentation of Compliance with Borrower’s Interest Requirement		    
xx 23893598 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Valuation Property Active B * Property Damage (Lvl 1) There was roof damage with a date of loss of xx/xx/xxxx.  xx. was hired on xx/xx/xxxx to do the repairs with a total cost for job in the amount of $16,370 to scrape the existing damage roof and to re-roof.  Loss Draft Inspection completedxx/xx/xxxx reflects the repairs have been 100% complete.    
xx 72537938 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 72537938 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 72537938 xx 561 561-882 xx Non-QM QC Complete New York xx Data Edit Data Edit Active B * Litigation (Lvl 2) According to the updated title report and review of the collection comment, the foreclosure was initiated and was referred to an attorney on xx.
Litigation action was filed on xx/xx/xxxx. Reason for litigation was not provided in the collection comment. The litigation hold was removed on xx/xx/xxxx.		    
xx 72537938 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business form is missing from the loan file.    
xx 72537938 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Credit Active B * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final Hud-1 is available in the loan file. Some points and fees are given handwritten. However, Same copy is considered for compliance ease test.    
xx 72537938 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
xx 72537938 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers document is missing from the loan file.    
xx 72537938 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer document is missing from the loan file.    
xx 72537938 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in New York State. Below required state disclosures are missing from the loan file:
1.NY Consumer Credit Disclosure / Fair Credit Reporting Notice
2.NY Interest Rate Disclosure
3.NY Hazard Insurance  Disclosure
4.Mortgage Bankers and Exempt Organizations Preapplication
5.Part 80 Disclosure
6.Alternative Mortgage Transaction Disclosures
7.Co-Signer Notice Requirements
8.Default Warning Notice
9.New York Real Property Escrow Account Disclosure
10.Subprime Home Loan Counseling Disclosure
11.Subprime Home Loan Tax and Insurance Payment Disclosure
12.Subprime Home Loan Disclosure
13.Commitment Disclosure
14.Lock-in Disclosure
15.Expiration of Lock-in or Commitment Period		    
xx 73035318 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 73035318 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 73035318 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Form Disclosure is missing from the loan file.    
xx 73035318 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider is missing from the loan file.    
xx 73035318 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Subject property is located at NJ state.
Following state disclosure is missing from the loan file. :-
1) Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 73035318 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test.    
xx 73035318 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test.
The loan does charge fee(s) not provided for in this act, which is prohibited.
A person licensed as a mortgage broker shall have the right to charge only the following fees: (1) application fee; and (2)discount points which may be labeled as an origination fee.
The loan data is $269.28 which is comparison with $0.00 and variance is +$269.28
The fees included -
Interest -$269.28.		    
xx 16241729 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business disclosure is missing from the loan file.    
xx 16241729 xx 561 561-882 xx Non-QM QC Complete New York xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal is missing from the loan file.    
xx 16241729 xx 561 561-882 xx Non-QM QC Complete New York xx Valuation Property Active B * Property Damage (Lvl 3) As per the BPO dated xx/xx/xxxx, the subject property is owner occupied and there is some damage to the shingles and subject needs new roof. The property required new roof (exterior) and estimated cost is $11,000.00 for the cosmetic damages not structural. Unable to confirm whether the repairs were done or not    
xx 16241729 xx 561 561-882 xx Non-QM QC Complete New York xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 16241729 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
xx 16241729 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 along with Estimated HUD-1 and Itemization is missing from the loan file.    
xx 16241729 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 16241729 xx 561 561-882 xx Non-QM QC Complete New York xx Legal Docs Doc Issue Active B * Missing Title evidence (Lvl 4) Final title policy is missing from the loan file, and there are no title commitment / preliminary title policy found in file    
xx 16241729 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 16241729 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Service Transfer document is missing from the loan file.    
xx 81311794 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 81311794 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 81311794 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 81311794 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow disclosure is missing from the loan file.    
xx 81311794 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The LIst of service providers is missing from the loan file.    
xx 31628173 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 31628173 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 31628173 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business form is missing from the loan file.    
xx 31628173 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Below mentioned required state disclosure is missing from the loan file:

.Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 31628173 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
xx 31628173 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers document is missing from the loan file.    
xx 31628173 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer document is missing from the loan file.    
xx 31628173 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 31628173 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA finance charge test.    
xx 31628173 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA Finance Charge Test: FAIL $236,769.87 $237,240.20 -$470.33.
This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) )
The finance charge is $237,240.20. The disclosed finance charge of $236,769.87 is not considered accurate because it is
understated by more than $100.		    
xx 14700746 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 14700746 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 14700746 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Data Edit Data Edit Active B * Deceased Borrower(s) (Lvl 3) According to the updated title report dated xx/xx/xxxx, the borrower,xx was deceased on xx. However, no details regarding the death certificate or probate has been found in the collection comments.

.		    
xx 14700746 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 14700746 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
xx 14700746 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Providers are missing from the loan file.    
xx 14700746 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by the borrower.    
xx 14700746 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing Transfer Document is missing from the loan file.    
xx 14700746 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 14700746 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in NJ. The following require state disclosure are missing from the loan file.
NJ Attorney Disclosure
Unacceptability of Insurance Notice
Attorney Disclosure II
Tax Bill Information
Private Well Testing
Choice of Insurer Disclosure
Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 14700746 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 11164124 xx 561 561-882 xx QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 11164124 xx 561 561-882 xx QM QC Complete New Jersey xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 11164124 xx 561 561-882 xx QM QC Complete New Jersey xx Credit DTI Active B * DTI > 60% (Lvl 2) Loan failed the QM DTI threshold test due to DTI of the subject loan is 96.333% as the Borrower income was $xx and total front and back expenses are in the amount of $xx. The UW Transmittal (Locator#xx), states the loan was manually underwrite.    
xx 11164124 xx 561 561-882 xx QM QC Complete New Jersey xx Valuation LTV Active B * LTV or CLTV exceeds 104% (Lvl 2) LTV/CLTV is exceeded as the appraised value of the subject property at origination was xx  which is less than the subject loan amount of xx.    
xx 11164124 xx 561 561-882 xx QM QC Complete New Jersey xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 11164124 xx 561 561-882 xx QM QC Complete New Jersey xx Credit DTI Active B * Qualified Mortgage DTI Lending Policies limits the loan to 43% - This loan failed the qualified (Lvl 2) The CE risk indicator is Elevated as the loan is failing Qualified Mortgage DTI Threshold Finding. The borrower has total monthly income of $xx and has total expenses in the amount of $xx hence DTI becomes 96.33% which exceeds threshold of 43%. AUS for this loan is not available in loan file, however underwriting transmittal located at “xx” which shows the loan is originated as HARP/Refi Plus program and meets Fannie Mae Refi Plus eligibility criteria. That means this loan is eligible for delivery to Fannie Mae and qualifies as Safe Harbor.    
xx 11164124 xx 561 561-882 xx QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) The CE risk indicator is Elevated as the loan is failing Qualified Mortgage DTI Threshold Finding. The borrower has total monthly income of $xx and has total expenses in the amount of $xx hence DTI becomes 96.33% which exceeds threshold of 43%. AUS for this loan is not available in loan file, however underwriting transmittal located at “xx” which shows the loan is originated as HARP/Refi Plus program and meets Fannie Mae Refi Plus eligibility criteria. That means this loan is eligible for delivery to Fannie Mae and qualifies as Safe Harbor.    
xx 11164124 xx 561 561-882 xx QM QC Complete New Jersey xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 11164124 xx 561 561-882 xx QM QC Complete New Jersey xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 11164124 xx 561 561-882 xx QM QC Complete New Jersey xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 99940574 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 99940574 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 99940574 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit DTI Active B * DTI > 60% (Lvl 2) According to final loan application, the total monthly income of the borrower is xx and total monthly expenses are $5,981.44. Hence DTI exceeds xx%.    
xx 99940574 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 99940574 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 99940574 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 99940574 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer disclosure is missing from the loan file.    
xx 99940574 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Title Review Active B * Active Judgment Against Borrower (Lvl 3) The subject mortgage was originated on xx
According to the updated title report dated xx/xx/xxxx, there is senior lien for contributions under The Illinois xx.
Final Title Policy at the origination does not reflect any exception for prior judgment or lien.		    
xx 99940574 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) xx     
xx 20338108 xx 561 561-882 xx Non-QM QC Complete Colorado xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 20338108 xx 561 561-882 xx Non-QM QC Complete Colorado xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 20338108 xx 561 561-882 xx Non-QM QC Complete Colorado xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The affiliated business form is missing from the loan file.    
xx 20338108 xx 561 561-882 xx Non-QM QC Complete Colorado xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The following disclosures are missing from the loan file. (Cash-Out Refinance Disclosure, Colorado Notice to Cosigner).    
xx 20338108 xx 561 561-882 xx Non-QM QC Complete Colorado xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service providers is missing from the loan file.    
xx 69260364 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 69260364 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 69260364 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 2) xx    
xx 69260364 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 69260364 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal is missing from the loan file. however value taken from underwriting transmittal.    
xx 69260364 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Compliance risk indicator is Moderate due to:
This loan failed the TILA finance charge test.
This loan failed the TILA foreclosure rescission finance charge test.		    
xx 69260364 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 69260364 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer disclosure is missing from the loan file.    
xx 69260364 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test. Loan data is $205,588.20, Comparison data is $206,184.20 and variance $596.00.
This loan failed the TILA foreclosure rescission finance charge test. Loan data is $205,588.20, Comparison data is $206,184.20 and variance $596.00.		    
xx 19733463 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 19733463 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 19733463 xx 561 561-882 xx Non-QM QC Complete Ohio xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 19733463 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The affiliated business form disclosure is missing in the loan files.    
xx 19733463 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service providers is missing in the loan files.    
xx 19733463 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Guidelines Active B * Cash out purchase (Lvl 2) The loan is cashout purchase.    
xx 19733463 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The service transfer disclosure is missing in the loan files.    
xx 19733463 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Ohio.
The following state disclosures are missing in the loan files. (Equal Credit Availability Notice, Insurance Tying Disclosure, Non-Deposit Insurance Disclosure).		    
xx 12374274 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 12374274 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 12374274 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 12374274 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 2) According to the Updated title report dated xx/xx/xxxx, the county 2nd installment taxes in xx  in the amount of $3,551.82;  however, it has passed the due date. We are unable to confirm the status of taxes (paid or due) as the updated title report received on xx/xx/xxxx.    
xx 12374274 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow acct. disclosure is missing from the loan file.    
xx 12374274 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Other Disclosures Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from the loan file.    
xx 12374274 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 12374274 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) xx     
xx 12374274 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) xx    
xx 12374274 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA finance charge test.
This loan failed the TILA foreclosure rescission finance charge test.
This loan failed the TILA APR test.		    
xx 12374274 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA Finance Charge Test: FAIL, Loan Data: $31,085.27, Comparison Data: $79,338.08 and Variance: -$48,252.81.
This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) )
The finance charge is $79,338.08. The disclosed finance charge of $31,085.27 is not considered accurate because it is
understated by more than $100.

TILA Foreclosure Rescission Finance Charge Test: FAIL, Loan Data: $31,085.27, Comparison Data: $79,338.08 and Variance: -$48,252.81.
This loan failed the TILA foreclosure rescission finance charge test. ( 12 CFR §1026.23(h) , transferred from 12 CFR
§226.23(h) )
The finance charge is $79,338.08. The disclosed finance charge of $31,085.27 is not considered accurate for purposes of
rescission because it is understated by more than $35.

TILA APR Test: FAIL, Loan Data: 1.115%, Comparison Data: 2.656%  and Variance: -1.541%.
This loan failed the TILA APR test. ( 12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4) )
The annual percentage rate (APR) is 2.656%. The disclosed APR of 1.115% is not considered accurate because it is more than
1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method		    
xx 89970329 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 89970329 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 89970329 xx 561 561-882 xx Non-QM QC Complete New York xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 89970329 xx 561 561-882 xx Non-QM QC Complete New York xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) The appraisal report from origination is missing from the loan file.  The value was updated as per transmittal summary located at"xx".    
xx 89970329 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Compliance Risk Indicator is Moderate due to failing the prepayment term test.    
xx 89970329 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service providers is missing from the loan files.    
xx 89970329 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The property is located in NY state, so the following required disclosures are missing from the loan files.
 NY Consumer Credit Disclosure / Fair Credit Reporting Notice
NY Interest Rate Disclosure
NY Hazard Insurance  Disclosure
Tax Escrow Account Designation
Mortgage Bankers and Exempt Organizations Preapplication
Part 80 Disclosure
Alternative Mortgage Transaction Disclosures
Co-Signer Notice Requirements
Default Warning Notice
Smoke Alarm Affidavit
New York Real Property Escrow Account Disclosure
Subprime Home Loan Counseling Disclosure
Subprime Home Loan Tax and Insurance Payment Disclosure
Subprime Home Loan Disclosure
Commitment Disclosure
Lock-in Disclosure
Expiration of Lock-in or Commitment Period		    
xx 89970329 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the prepayment term test.
The loan has a prepayment term that does not conform to the requirements for the lender's license type in the state where the property is located (New York).
Prepayment Term Test: Result FAIL. Loan Data 12 Months; Comparison Data 0 Months; Variance of 12 Months.		    
xx 5715090 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 5715090 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 5715090 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal report is missing from the loan file.    
xx 5715090 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Rvw shows prop. owner of record is not borr. (Lvl 2) xx    
xx 5715090 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 5715090 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider document is missing from the loan file.    
xx 5715090 xx 561 561-882 xx Non-QM QC Complete California xx Data Edit Data Edit Active B * Deceased Borrower(s) (Lvl 3) According to the updated title report dated xx/xx/xxxx, the borrower,xx was deceased on xx. However, no details regarding the death certificate or probate has been found in the collection comments.

.		    
xx 5715090 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in state of california. The following state disclosures are missing from the loan file.
1) Impound Account Disclosure.
2) Private Mortgage Insurance Disclosure.
3) Insurer Recommendation Disclosure.  
4) Privacy Notice.
5) Notice of Right to Copy of Appraisal.
6) Application for Credit-Married Persons.
7) Fair Debt Collection Notice.
8) Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 37254199 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 37254199 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal report is missing from the loan file.    
xx 37254199 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
xx 37254199 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 is missing from the loan file; along with estimated hud-1 and itemization.    
xx 37254199 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 37254199 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Legal Docs Doc Issue Active B * Missing Title evidence (Lvl 4) Final Title policy is missing from the loan file; however commitment and short form also not available.    
xx 37254199 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Legal Docs Note / Mod Active B * Lost Note Affidavit (Lvl 3) xx     
xx 37254199 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is missing from the loan file.    
xx 37254199 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 37254199 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 10501657 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business form is missing from the loan file.    
xx 10501657 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal document  is missing from loan file.    
xx 10501657 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 is missing from loan file.    
xx 10501657 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 along with Estimated HUD and Itemization are missing from the loan file.    
xx 10501657 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 10501657 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Legal Docs Doc Issue Active B * Missing Title evidence (Lvl 4) Final Title Policy along with Commitment and Preliminary Title Report are missing from the loan file.    
xx 10501657 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer document is missing from the loan file.    
xx 10501657 xx 561 561-882 xx Non-QM QC Complete South Carolina xx NPL General Active B * Describe the BK payment plan (Lvl 2) xx    
xx 10501657 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The loan modification agreement was made between xx with the new principal balance of $xx with fixed rate of 4.125%. The borrower promised to pay monthly P&I payment in the amount of $347.86 beginning on xx/xx/xxxx till the maturity date of xx.The modification agreement reflects the amount of $xx has been forgiven which is Exceeds 2% of modification amount. The current UPB as per latest payment history is $xx.    
xx 10501657 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in the state of South Carolina. The following state disclosures are missing from the loan file.
1)Agent Preference Disclosure
2)Casualty Insurance Disclosure
3)Manufactured Home Loan  Disclosures		    
xx 48644714 xx 561 561-882 xx Non-QM QC Complete Georgia xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal report is missing from the loan file.    
xx 48644714 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated business disclosure is missing from the loan file.    
xx 48644714 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Application Missing (Lvl 2) The final application is missing from the loan file    
xx 48644714 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) The final HUD1 along with estimated HUD1 and Itemization are missing from the loan file.    
xx 48644714 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) The final TIL is missing from the loan file.    
xx 48644714 xx 561 561-882 xx Non-QM QC Complete Georgia xx Legal Docs Doc Issue Active B * Missing Title evidence (Lvl 4) The final title policy is missing from the loan file. However, the commitment and preliminary title policy are not found from the loan file.    
xx 48644714 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) The Initial escrow account disclosure is missing from the loan file.    
xx 48644714 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service providers disclosure is missing from the loan file.    
xx 48644714 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) The loan program disclosure is missing from the loan file.    
xx 48644714 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The servicing transfer disclosure is missing from the loan file.    
xx 48644714 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Georgia state. The following state disclosures are missing from the loan file.
Waiver of Borrowers Rightsand Closing Attorney Affidavit (not required by law but provided as a matter of custom).
Disclosure of Additional Fees.		    
xx 48644714 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 48644714 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to determine an operative index value since supporting documents are missing from the loan file.    
xx 18913539 xx 561 561-882 xx Non-QM QC Complete New York xx Valuation Valuation Active B * Property Damage (Lvl 4) According to the servicing comment dated xx/xx/xxxx, the borrower stating there was a damage to the property due to electricity and leakage to pipes. The borrower has advised filing a claim for the damages; however, they can’t file a claim since the insurance won’t cover the damage and advised to send the estimated cost of damages. The details regarding repairs are unavailable. Latest BPO report dated xx/xx/xxxx does not reflect any damage to the subject property. The damage is interior and based on the nature of the problem, the repairs have the potential to exceed xx.    
xx 18913539 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 18913539 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 18913539 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 2) According to the updated title report dated xx/xx/xxxx, the other annual taxes for the year xx  were delinquent in the amount of $13.00 which was good thorough till xx. The tax certificate is not available in the updated title report.    
xx 18913539 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Credit Active B * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 is available in the loan file located at "xx". However, some points and fees are hand written.    
xx 18913539 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
xx 18913539 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider document is missing from the loan file.    
xx 18913539 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The notice of servicing transfer disclosure is missing from the loan file.    
xx 18913539 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
xx 18913539 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in New York State. The following state disclosures are missing from the loan file.
1.NY Consumer Credit Disclosure / Fair Credit Reporting Notice
2.NY Interest Rate Disclosure
3.NY Hazard Insurance  Disclosure
4.Tax Escrow Account Designation
5.Mortgage Bankers and Exempt Organizations Preapplication
6.Part 80 Disclosure
7.Alternative Mortgage Transaction Disclosures
8.Co-Signer Notice Requirements
9.Default Warning Notice
10.Smoke Alarm Affidavit
11.New York Real Property Escrow Account Disclosure
12.Subprime Home Loan Counseling Disclosure
13.Subprime Home Loan Tax and Insurance Payment Disclosure
14.Subprime Home Loan Disclosure
15.Commitment Disclosure
16.Lock-in Disclosure
17.Expiration of Lock-in or Commitment Period		    
xx 18913539 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to determine an operative index value as the supportive documents are missing from the loan file.    
xx 74363766 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 74363766 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 74363766 xx 561 561-882 xx Non-QM QC Complete Illinois xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 74363766 xx 561 561-882 xx Non-QM QC Complete Illinois xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD-1 is not signed by the borrower.    
xx 74363766 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final loan application/1003 is missing from the loan file.    
xx 74363766 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan file.    
xx 74363766 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 74363766 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index value is unable to confirm as supportive documents are missing from the loan file.    
xx 74363766 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated Business Disclosure is missing from the loan file.    
xx 74363766 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing Transfer Document is missing from the loan file.    
xx 74363766 xx 561 561-882 xx Non-QM QC Complete Illinois xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 74363766 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * ROR Transaction date not consistent with Note and/or HUD (Lvl 2) The subject mortgage was originated on xx. However, according to ROR document, the transaction date is xx    
xx 74363766 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) xx     
xx 70298834 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 70298834 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 70298834 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) As per loan modification agreement made on xx, the new principal balance is $xx.  Lender has agreed to forgive the Principal in the amount of $xx. The forgiven amount is more than 2% of Modified amount.    
xx 70298834 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Providers Disclosures is missing from the loan file.    
xx 70298834 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer Disclosure Document is missing in the loan file.    
xx 70298834 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 93091241 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 93091241 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 93091241 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Title Review Active B * Title Rvw shows prop. owner of record is not borr. (Lvl 2) xx    
xx 93091241 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Bona Fide Discount Points Test: FAIL
This loan failed the bona fide discount points test.
The loan is a first lien mortgage and has a principal amount that is greater than or equal to $10,000 and charges discount points
that are not paid for the purpose of reducing, and do not in fact result in a bona fide reduction of the interest rate.
Points are treated as paid for the purpose of reducing, and in fact result in a bona fide reduction of the interest rate, if they are
marked as "Bona Fide - State."		    
xx 93091241 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Providers Disclosures is missing in the loan file.    
xx 93091241 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer Disclosure Document is missing in the loan file.    
xx 93091241 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in North Carolina state. The following state disclosure is missing in the loan file.
1)Amortization Schedule Disclosure
2)Credit Property Insurance Disclosure
3)Fee Agreement
4)Priority of Security Instrument Disclosure
5)Attorney Selection Disclosure		    
xx 93091241 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the bona fide discount points test.    
xx 17269113 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 17269113 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 17269113 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business disclosure is missing from the loan file.    
xx 17269113 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 17269113 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Compliance Ease risk indicator is moderate as loan is failing for State Regulations Restricted Fees.    
xx 17269113 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
xx 17269113 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is missing from the loan file.    
xx 17269113 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 2) xx    
xx 17269113 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 17269113 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 17269113 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test.
( N.J.S.A. §17:11C-23, N.J.A.C. § §3:1-16.2 )
The loan does charge fee(s) not provided for in this act, which is prohibited.
Fees Test Inclusion
Mortgage Broker Fee (Direct) $350.00
Application Fee $300.00
Commitment Fee $200.00
Interest $376.80		    
xx 11499114 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 11499114 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 11499114 xx 561 561-882 xx Non-QM QC Complete New York xx NPL NPL Active B * POC Deadline is coming soon (Lvl 4) According to the PACER, the borrower xx had filed bankruptcy under chapter-xx with the case# xx.  The Confirmation Hearing is scheduled for xx.  The POC was referred to the attorney on xx and the servicer advised the attorney to file it. According to deadline and schedules the POC Bar Date is set for xx. However, the POC is not filed yet.    
xx 11499114 xx 561 561-882 xx Non-QM QC Complete New York xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 11499114 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Form is missing from the loan files.    
xx 11499114 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Compliance Risk indicator is Moderate for failing the late fees test and the prepayment term test.    
xx 11499114 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer Disclosure Document is missing from the loan files.    
xx 11499114 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 11499114 xx 561 561-882 xx Non-QM QC Complete New York xx Valuation Property Active B * Property Damage (Lvl 2) The latest BPO completedxx/xx/xxxx reflects an As Is Value of $335k.  The BPO reflects the exterior needs to be power washed estimated at $500.    
xx 11499114 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) Unable to accurately test compliance due the the loan being a NegAm, Adjustable Rate Mortgage Note, Pick-A-Payment Loan with BiWeekly Payments however the Late Fees are showing as 5% when the max in New York State is 2% and the Prepayment Term was for 36 months when the max is 12 months.    
xx 11499114 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) Unable to accurately test compliance due the the loan being a NegAm, Adjustable Rate Mortgage Note, Pick-A-Payment Loan with BiWeekly Payments.    
xx 36973559 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 36973559 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 36973559 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 36973559 xx 561 561-882 xx Non-QM QC Complete Illinois xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) As per the modification agreement made on xx, the forgiven amount is $xx which exceeds 2% of the UPB and the new principal balance is $xx. The interest bearing amount is $xx as $xx was deferred from the new principal amount $xx.    
xx 36973559 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Providers disclosure is missing from the loan file.    
xx 36973559 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 36973559 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Service Transfer Disclosure is missing from the loan file.    
xx 36973559 xx 561 561-882 xx Non-QM QC Complete Illinois xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 36973559 xx 561 561-882 xx Non-QM QC Complete Illinois xx Legal Docs Title Issue Active B * Title issue (Lvl 3) xx    
xx 36973559 xx 561 561-882 xx Non-QM QC Complete Illinois xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 63405935 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 63405935 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 63405935 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 63405935 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Form is missing from the loan file.    
xx 63405935 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 63405935 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Compliance Risk Indicator is Moderate due to failing the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test.    
xx 63405935 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Legal Docs Doc Issue Active B * Title policy missing (Lvl 3) Final Title policy is missing from the loan file.  The Title Report/Commitment was provided in the file.  Located at "xx".    
xx 63405935 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Providers Disclosures is missing from the loan file.    
xx 63405935 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) Prohibited Fees Test: FAIL.  Loan Data $1,057.50; Comparison Data $0.00; Variance of +$1,057.50.
This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test.  ( N.J.S.A. §17:11C-23, N.J.A.C. § §3:1-16.2 )
The loan does charge fee(s) not provided for in this act, which is prohibited.
A person licensed as a mortgage broker shall have the right to charge only the following fees: (1) application fee; and (2) discount points which may be labeled as an origination fee.
A person licensed as a mortgage banker or correspondent mortgage banker shall have the right to charge only the following fees:
(1) a credit report fee; (2) appraisal fee; (3) application fee; (4) commitment fee; (5) warehouse fee; (6) discount points; (7) lock-in fee; (8) a service fee not to exceed $25.00 to cancel the mortgage; and (9) fees necessary to reimburse the mortgage banker for charges imposed by third parties limited to the following fees:  (i) overnight delivery, messenger, fax, and other special delivery fees; (ii) flood certification fees; (iii) pest inspection or certification fees; (iv) final inspection fee; (v) outside counsels' fees as permitted by N.J.S.A. §46:10A-6; (vi) certified check fees; (vii) credit report and appraisal update fees; (viii) not more than one-year of mortgage insurance premiums; (ix) survey fees; (x) recording fees; (xi) title and title search fees, including title insurance premiums; (xii) taxes; (xiii) tax service fees; (xiv) radon test fees; (xv) other third party fees which are of benefit to the borrower and represent a cost not associated with the lender's overhead. Accordingly, the Department will not approve fees for document preparation, processing, underwriting, file updates, lender reviews, copying, funding, and miscellaneous.		    
xx 63405935 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer Disclosure Document missing from the loan file.    
xx 63405935 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) The Final HUD-1 is not signed by borrower.  The Estimated HUD in the file was executed by the borrower the day of closing.    
xx 63405935 xx 561 561-882 xx Non-QM QC Complete New Jersey xx NPL General Active B * The property had a tax sale - property or cert was sold to 3rd party (Lvl 2) The review of the updated title report dated xx/xx/xxxx reflects 2 Certificates of Sale for Sewer against xx (borrower) however both were redeemed.
1.  Certificate of Sale for Sewer Recorded on xx.
2.  Certificate of Sale for Sewer Recorded on xx.		    
xx 63405935 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in NJ state. The following state disclosure is missing from the loan file.
NJ Application Disclosure
Delivery Fee Authorization
NJ Attorney Disclosure
Unacceptability of Insurance Notice
Attorney Disclosure II
Tax Bill Information
Private Well Testing
Lock-In Agreement
Commitment Disclosures
Choice of Insurer Disclosure
Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 28491264 xx 561 561-882 xx Non-QM QC Complete Oregon xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 28491264 xx 561 561-882 xx Non-QM QC Complete Oregon xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 28491264 xx 561 561-882 xx Non-QM QC Complete Oregon xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report at the origination is missing in the loan file.    
xx 28491264 xx 561 561-882 xx Non-QM QC Complete Oregon xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing in the loan file.    
xx 28491264 xx 561 561-882 xx Non-QM QC Complete Oregon xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Providers Disclosures is missing in the loan file.    
xx 28491264 xx 561 561-882 xx Non-QM QC Complete Oregon xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) The final HUD-1 is not signed by borrowers.    
xx 28491264 xx 561 561-882 xx Non-QM QC Complete Oregon xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 28491264 xx 561 561-882 xx Non-QM QC Complete Oregon xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Oregon state. The following state disclosure is missing in the loan file.
·Oregon Forced Placed Insurance Notice
·Notice where Escrow Account is NOT Required
·Escrow Notice for Loans Sold to Out-of- State Purchases within one year
·Anti-Coercion Notice
·Insurance Premium Notice
·Insurance Sales Notice
·Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 28491264 xx 561 561-882 xx Non-QM QC Complete Oregon xx Credit Title Review Active B * Active Judgment Against Borrower (Lvl 3) Updated title report dated xx/xx/xxxx shows that the subject mortgage was originated on xx.There is a senior civil judgment which was recorded on xx. However, the final title policy does not show any senior judgment in the schedule B stating final policy is clear.    
xx 64185377 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 64185377 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 64185377 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 64185377 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 64185377 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer disclosure is missing from the loan file.    
xx 64185377 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Virginia State. The following Disclosures are missing from the loan file:
VA Application Disclosure
Choice of Settlement Agent Disclosure
Disclosure of Charges For Appraisal or Valuation
Copy of Appraisal or Statement of Appraised Value		    
xx 64185377 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA finance charge test.    
xx 64185377 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.
TILA Finance Charge Test: FAIL Loan Data: $231,551.73 Comparison Data: $231,924.24 Variance: -$372.51.
The finance charge is $231,924.24. The disclosed finance charge of $231,551.73 is not considered accurate because it is understated by more than $100.		    
xx 99679542 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 99679542 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 99679542 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) list of service providers is missing from the loan files.    
xx 99679542 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Title Review Active B * Property address changed since origination - address on updated title different from note (Lvl 2) xx    
xx 99679542 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated business disclosure is missing from the loan files.    
xx 99679542 xx 561 561-882 xx Non-QM QC Complete Virginia xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) The chain of assignment is complete with the latest assignment from xx.    
xx 99679542 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) The final TIl is not hand dated by the borrower.    
xx 99679542 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) The initial escrow acct disclosure is missing from the loan files.    
xx 99679542 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The notice of service transfer is missing from the loan files.    
xx 99679542 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property has been located in VA. The following required disclosures are missing in the available loan files.
Financial Institution Choice of Insurance Disclosure
Choice of Settlement Agent Disclosure,
Disclosure of Charges For Appraisal or Valuation
Copy of Appraisal or Statement of Appraised Value
Affiliated Business Disclosure		    
xx 57117326 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 57117326 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 57117326 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of services providers is missing from the loan file.    
xx 57117326 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated Business Disclosure is missing from the loan file.    
xx 57117326 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) The chain of assignment is incomplete as there is a break in chain of assignment from xx to xx.    
xx 57117326 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in the Massachusetts state. The following state disclosures are missing from the loan file:
1.Lead-Based Paint Disclosure
2.Mortgage Loan Application Disclosure
3.Carbon Monoxide Alarms
4.MA Smoke Detector Certificate
5.Notice of the Specific Reason for Denial of Credit
6.Demonstration and Documentation of Compliance with Borrower’s Interest Requirement		    
xx 51425809 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 51425809 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 51425809 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Form is missing from the loan file.    
xx 51425809 xx 561 561-882 xx Non-QM QC Complete New Jersey xx NPL General Active B * The property had a tax sale - property or cert was sold to 3rd party (Lvl 2) As per updated title report dated xx/xx/xxxx shows that, unpaid municipal liens(sewer charges) of xx.    
xx 51425809 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Title Review Active B * Active Judgment Against Borrower (Lvl 3) As per updated title report dated xx/xx/xxxx, There is one senior civil judgment against borrower active in the favor of xx. Title policy does not show any senior judgment.    
xx 51425809 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 51425809 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from the loan file.    
xx 51425809 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located at New Jersey. Following disclosures are required for this state.
1.NJ Application Disclosure
2.Delivery Fee Authorization
3.NJ Attorney Disclosure
4.Unacceptability of Insurance Notice
5.Attorney Disclosure II
6.Tax Bill Information
7.Private Well Testing
8.Lock-In Agreement
9.Commitment Disclosures
10.Choice of Insurer Disclosure
11.Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application
State disclosures are missing from the loan file.		    
xx 51425809 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test.    
xx 51425809 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test.
Prohibited Fees Test: FAIL Loan data $2,119.08 Comparison data $0.00  Variance +$2,119.08		    
xx 51425809 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 53196409 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 53196409 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 53196409 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Compliance Ease risk indicator shows moderate due to TILA Finance Charge Test and TILA APR Test failed.    
xx 53196409 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) Compliance Ease state regulation test failed due to Interest Rate Test.

This loan failed the interest rate test.
The loan has an interest rate that does not conform to the requirements for the lenders license type in the state where the property is located.		    
xx 53196409 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 53196409 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider disclosure is missing from the loan file.    
xx 53196409 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer disclosure is missing from the loan file.    
xx 53196409 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) The assignment of mortgage has been recorded on xx. The assignment has a wrong document reference reflected of subject mortgage.    
xx 53196409 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Data Edit Data Edit Active B * Deceased Borrower(s) (Lvl 3) According to the updated title report dated xx/xx/xxxx, the borrower,xx was deceased on xx. However, no details regarding the death certificate or probate has been found in the collection comments.

.		    
xx 53196409 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) )
The finance charge is $90,709.45. The disclosed finance charge of $90,164.45 is not considered accurate because it is understated by more than $100.

This loan failed the TILA APR test. ( 12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4) )
The annual percentage rate (APR) is 9.608%. The disclosed APR of 9.475% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.		    
xx 44413939 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 44413939 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 44413939 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) “This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."    
xx 44413939 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 44413939 xx 561 561-882 xx Non-QM QC Complete Ohio xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 44413939 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider is missing from the loan file.    
xx 44413939 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer is missing from the loan file.    
xx 44413939 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in OH. However, the following disclosures are missing from the loan file.
Equal Credit Availability Notice
Insurance Tying Disclosure
Non-Deposit Insurance Disclosure		    
xx 538366 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 538366 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 538366 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 538366 xx 561 561-882 xx Non-QM QC Complete Alabama xx Valuation Property Active B * Property is Manufactured Housing (Lvl 2) Available appraisal located at xx states the subject property type is manufactured home with Piers/permanent foundation. However latest tax report attached with updated title report dated xx/xx/xxxx does not confirm the property is affixed or not from the tax assessments. The BPO dated xx/xx/xxxx  located at - xx shows property type as Manufactured Home and taxed as real property and foundation type as Skirted. The ALTA-7 endorsement attached with Final title policy shows the land as defined in the policy includes the manufactured housing unit.    
xx 538366 xx 561 561-882 xx Non-QM QC Complete Alabama xx Valuation Property Active B * Property Damage (Lvl 2) Comments dated xx/xx/xxxxstates borrower is delinquent as Repairs have been made of the damage caused on Feb 2010 due to storm, loss due to roof damage, comments dated xx/xx/xxxx stated date of loss on xx/xx/xxxx, borrower received amount of $7876.11 with check date of xx. However, there is no any information found regarding current unrepair damage is available on the property.    
xx 538366 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Credit Active B * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 is missing from the loan file, however, the fees are updated from estimated HUD-1.    
xx 538366 xx 561 561-882 xx Non-QM QC Complete Alabama xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 538366 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The comment history is available from xx/xx/xxxx till xx/xx/xxxx, however recent 24 months comment history required. Therefore the comments are missing from xx/xx/xxxx till xx/xx/xxxx.    
xx 538366 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The following state disclosures are missing in the loan files. (Choice of Insurer, MI Borrowers Bill of Rights, MI Consumer Caution and Homeownership Counseling Notice, Choice of Insurance Agent).    
xx 538366 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service providers are missing in the loan files.    
xx 538366 xx 561 561-882 xx Non-QM QC Complete Alabama xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 31905456 xx 561 561-882 xx Non-QM QC Complete Rhode Island xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 31905456 xx 561 561-882 xx Non-QM QC Complete Rhode Island xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 31905456 xx 561 561-882 xx Non-QM QC Complete Rhode Island xx Data Edit Data Edit Active B * Deceased Borrower(s) (Lvl 3) According to the available death certificate located at "xx" was deceased on xx.    
xx 31905456 xx 561 561-882 xx Non-QM QC Complete Rhode Island xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 31905456 xx 561 561-882 xx Non-QM QC Complete Rhode Island xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 31905456 xx 561 561-882 xx Non-QM QC Complete Rhode Island xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located at "Rhode Island" state and following require state disclosure are missing from the loan file.
1) Appraisal Fee Disclosure.
2) Offer of Title Insurance.
3) Choice of Title Insurer.
4) Choice of Insurer (any type of insurance).
5) Notice of Rights.
6) Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application.		    
xx 34533670 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 34533670 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 34533670 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated  Business Form Disclosure is missing from the loan file.    
xx 34533670 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 34533670 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 34533670 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 78565571 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 78565571 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 78565571 xx 561 561-882 xx Non-QM QC Complete Virginia xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 78565571 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Required Affiliated Business disclosure document is missing in the given loan file.    
xx 78565571 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The Subject property is located in Virginia state. The below Required State disclosures are missing in the given loan file.

1. Choice of Settlement Agent Disclosure
2. Disclosure of Charges For Appraisal or Valuation
3. Copy of Appraisal or Statement of Appraised Value
4. Affiliated Business Disclosure.		    
xx 78565571 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA finance charge test.

This loan failed the TILA foreclosure rescission finance charge test.		    
xx 78565571 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA Foreclosure Rescission Finance Charge Test: Loan Data: $300,924.27 Comparison Data : $301,067.31 Variance: -$143.04

TILA Foreclosure Rescission Finance Charge Test: Loan Data: $300,924.27 Comparison Data: $301,067.31 Variance: -$143.04

This loan failed the TILA finance charge test.

The finance charge is $301,067.31. The disclosed finance charge of $300,924.27 is not considered accurate because it is
understated by more than $100.

This loan failed the TILA foreclosure rescission finance charge test.

The finance charge is $301,067.31. The disclosed finance charge of $300,924.27 is not considered accurate for purposes of
rescission because it is understated by more than $35.		    
xx 2902190 xx 561 561-882 xx Non-QM QC Complete Oregon xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 2902190 xx 561 561-882 xx Non-QM QC Complete Oregon xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 2902190 xx 561 561-882 xx Non-QM QC Complete Oregon xx Data Edit Data Edit Active B * Deceased Borrower(s) (Lvl 3) According to the updated title report dated xx/xx/xxxx, the borrower,xx was deceased on xx. However, no details regarding the death certificate or probate has been found in the collection comments.

.		    
xx 2902190 xx 561 561-882 xx Non-QM QC Complete Oregon xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 2902190 xx 561 561-882 xx Non-QM QC Complete Oregon xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
xx 2902190 xx 561 561-882 xx Non-QM QC Complete Oregon xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed TILA Foreclosure Rescission Finance Charge Test    
xx 2902190 xx 561 561-882 xx Non-QM QC Complete Oregon xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA Foreclosure Rescission Finance Charge Test: FAIL Loan Data:$160,846.92 Comparison Data:$160,887.82  Variance-$40.90    
xx 87948455 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 87948455 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 87948455 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 87948455 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 87948455 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business disclosure is missing from the loan file.    
xx 87948455 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan Program Disclosure is missing from the loan file.    
xx 87948455 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Operative Index Numerical Value Unavailable based on lender docs (Lvl 2) Operative Index numerical value unavailable based on loan documents.    
xx 87948455 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The List of Service Providers is missing from the loan file.    
xx 87948455 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 87948455 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located at "California" state which requires following disclosures and all are missing from the loan file.
1) Impound Account Disclosure.
2) Cosigner Notice.
3) Private Mortgage Insurance Disclosure.
4) Hazard Insurance Disclosure.
5) Insurer RecommendationDisclosure.
6) Anti-Tying Disclosure.
7) Privacy Notice.
8) Notice of Right to Copy of Appraisal.
9) Application for Credit-Married Persons.
10) Fair Debt Collection Notice.
11) Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application.		    
xx 16933344 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 16933344 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 16933344 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 16933344 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 16933344 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Other Disclosures Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from the loan file.    
xx 16933344 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan Program Disclosure is missing from the loan file.    
xx 16933344 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 16933344 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to determine the operative index value from the loan file.    
xx 65314392 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 65314392 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 65314392 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated Business Disclosure is missing from the loan file.    
xx 65314392 xx 561 561-882 xx Non-QM QC Complete Texas xx Data Edit Data Edit Active B * Litigation (Lvl 2) The foreclosure was initiated and the file was referred to an attorney on xx. Later, the litigation issue was resolved and the sale was scheduled for xx; however, the foreclosure was put on hold as the borrower filed bankruptcy on xx.    
xx 65314392 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The List of Service Provider Disclosure is missing from the loan file.    
xx 65314392 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) xx     
xx 65314392 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The Servicing Transfer disclosure is missing from the loan file.    
xx 65314392 xx 561 561-882 xx Non-QM QC Complete Texas xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 27331049 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 27331049 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 27331049 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 27331049 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The compliance ease risk indicator is moderator for TILA foreclosure rescission finance charge test.    
xx 27331049 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Application Missing (Lvl 2) The Final 1003, is missing in the loan file, However, the values are updated from un executed copy of application, located at" xx" in the loan file.    
xx 27331049 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Application Not Signed by All Borrowers (Lvl 2) The Final 1003, is missing in the loan file, the values are updated from unexecuted copy of application, located at" xx" in the loan file.    
xx 27331049 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The Notice of servicing Transfer document is missing in the given loan file.    
xx 27331049 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Required Affiliated Business disclosure document is missing in the given loan file.    
xx 27331049 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The Subject property is located in New Jersey (NJ) state. The Required State disclosures missing in the given loan file are: NJ Application Disclosure, Delivery Fee Authorization, NJ Attorney Disclosure, Unacceptability of Insurance Notice, Attorney Disclosure II, Tax Bill Information, Private Well Testing, Commitment Disclosures, Choice of Insurer Disclosure, Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application, Lock-In Agreement.    
xx 27331049 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA Foreclosure Rescission Finance Charge Test: Loan Data: $241,379.07 Comparison Data: $241,479.07 Variance: -$100.00    
xx 27331049 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 2508365 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 2508365 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 2508365 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 2508365 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Comments are available from xx/xx/xxxx tillxx/xx/xxxx. Comment history is missing from xx/xx/xxxx toxx/xx/xxxx as we required latest 24 months collection.    
xx 2508365 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow account disclosure is missing from the loan file.    
xx 2508365 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 2508365 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 2508365 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The following state disclosures are missing from the loan file.
1.Lead-Based Paint Disclosure
2.Mortgage Loan Application Disclosure
3.Carbon Monoxide Alarms
4.MA Smoke Detector Certificate
5.Notice of the Specific Reason for Denial of Credit
6.Demonstration and Documentation of Compliance with Borrower’s Interest Requirement		    
xx 36114281 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 36114281 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 36114281 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider disclosure is missing from the loan file.    
xx 36114281 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Washington State and the WA state requires total 1 which is missing from the loan file.
1)Purchase Money Residential Mortgage Loan Closing Valuation Disclosure		    
xx 42701488 xx 561 561-882 xx Non-QM QC Complete Delaware xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 42701488 xx 561 561-882 xx Non-QM QC Complete Delaware xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider is missing from the loan file.    
xx 42701488 xx 561 561-882 xx Non-QM QC Complete Delaware xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer is missing from the loan file.    
xx 42701488 xx 561 561-882 xx Non-QM QC Complete Delaware xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from the loan file.    
xx 42701488 xx 561 561-882 xx Non-QM QC Complete Delaware xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 42701488 xx 561 561-882 xx Non-QM QC Complete Delaware xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 79689712 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 79689712 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 79689712 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Property Active B * Property Damage (Lvl 3) BPO report dated xx/xx/xxxx shows that minor repairs are needed. The estimated repair cost are in the amount of $800.00 for interior paint and $8000 for roof repairs totaling in the amount of $8,800.00. Collection comments does not show any comment stating that the repairs have been completed or not.    
xx 79689712 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase risk indicator is moderate as the loan is failing for TILA Finance ChargeTest.    
xx 79689712 xx 561 561-882 xx Non-QM QC Complete California xx Credit DTI Active B * DTI > 60% (Lvl 2) Final application shows total monthly income of the borrower is $3,848.00; however, the total monthly debts are in the amount of $2.360.68.    
xx 79689712 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 79689712 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Following are the required state disclosure; however, they are missing from the loan file;

Impound Account Disclosure
Cosigner Notice
Private Mortgage Insurance Disclosure
Earthquake Disclosure forCondominiums
Hazard Insurance Disclosure
Insurer RecommendationDisclosure
CA Fair Lending Notice
Anti-Tying Disclosure
Privacy Notice
Notice of Right to Copy of Appraisal
Application for Credit-Married Persons
Fair Debt Collection Notice
Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 79689712 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from the loan file.    
xx 79689712 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) The chain of assignment is incomplete as there is a break in chain of assignment from xx to xx.    
xx 79689712 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 79689712 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test as;
TILA Finance Charge Test: FAIL $494,536.40 $495,854.83 -$1,318.43.
The finance charge is $495,854.83. The disclosed finance charge of $494,536.40 is not considered accurate because it is
understated by more than $100.		    
xx 79689712 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 70577271 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 70577271 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 70577271 xx 561 561-882 xx Non-QM QC Complete New York xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal at the origination is missing from the loan file.    
xx 70577271 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
xx 70577271 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Other Disclosures Active B * Missing Required Disclosures (Lvl 2) List of Service Providers missing from loan file.    
xx 70577271 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not signed by the borrower however date is printed on ROR.    
xx 70577271 xx 561 561-882 xx Non-QM QC Complete New York xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The borrower xx .
The stipulation agreement filed on xx reveals that the debtor and creditor authorized to execute and record the loan modification agreement. The secured claim for prepetition mortgage arrears filed by the creditor as claim xx on the PACER claim register is deemed modified to reflect the amount paid by the trustee as of the date of entry of this order, with any and all balance due on said claim reduced to $xx and the trustee cease all further payments to creditor on the claim.
As per the modified terms the new principal balance is in the amount of $xx and the borrower has to pay monthly payment of $xx at the rate of interest of 3.5%. The P&I is in the amount of $xx. The new stated maturity date is xx.
The principal amount of forgiven is in the amount of $xx which exceeds 2% of loan modification amount.		    
xx 70577271 xx 561 561-882 xx Non-QM QC Complete New York xx NPL General Active B * Describe the BK payment plan (Lvl 2) xx    
xx 70577271 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in New York State. The following state disclosures are missing from the loan file.
1.NY Consumer Credit Disclosure / Fair Credit Reporting Notice
2.NY Interest Rate Disclosure
3.NY Hazard Insurance  Disclosure
4.Tax Escrow Account Designation
5.Mortgage Bankers and Exempt Organizations Preapplication
6.Part 80 Disclosure
7.Alternative Mortgage Transaction Disclosures
8.Co-Signer Notice Requirements
9.Default Warning Notice
10.Smoke Alarm Affidavit
11.New York Real Property Escrow Account Disclosure
12.Subprime Home Loan Counseling Disclosure
13.Subprime Home Loan Tax and Insurance Payment Disclosure
14.Subprime Home Loan Disclosure
15.Commitment Disclosure
16.Lock-in Disclosure
17.Expiration of Lock-in or Commitment Period		    
xx 51459504 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 51459504 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 51459504 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 51459504 xx 561 561-882 xx Non-QM QC Complete Alabama xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) Chain of assignment is complete as current assignee is xx was made in error and is invalidated and nullified.    
xx 51459504 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from the loan file.    
xx 51459504 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Doc Issue Active B * Servicing comments indicate that the loan was/has partial/full charge off (Lvl 3) xx     
xx 68161669 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 68161669 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 68161669 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan file.    
xx 68161669 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of Servicing Transfer is missing from the loan file.    
xx 68161669 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The collection comments are available from xx/xx/xxxx to xx/xx/xxxx. We review latest 24 months collection comments. However; the comments are missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 68161669 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service providers is missing from the loan file.    
xx 68161669 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in the "Ohio" state Bellow State Disclosures are missing from the loan file:
Equal Credit Availability Notice.
Insurance Tying Disclosure.
Non-Deposit Insurance Disclosure.		    
xx 99882793 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 99882793 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 99882793 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 99882793 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Acct Disclosure is missing from the loan file.    
xx 99882793 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Provider is missing from the loan file.    
xx 99882793 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Legal Docs Doc Issue Active B * Mortgage Riders incomplete / inaccurate (Lvl 2) The legal Discrepancy is missing from the loan file.    
xx 99882793 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in NJ state. The following require state disclosure are missing from the loan file.
NJ Attorney Disclosure
Unacceptability of Insurance Notice
Attorney Disclosure II
Tax Bill Information
Private Well Testing
Choice of Insurer Disclosure
Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 99882793 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 4) xx    
xx 74481074 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 74481074 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 74481074 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 74481074 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) According to the updated title report dated xx/xx/xxxx, there is an active Water/Sewer/Utilities lien for gas services against the subject property in the favor of xx. The subject property is located in xx which is a super lien state. There is a risk of property being foreclosed due to above unpaid lien.
This can be cured by paying off the above unpaid liens along with late charges and accrued interest.		    
xx 74481074 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 74481074 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider is missing from the loan file.    
xx 74481074 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 74481074 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.
As loan data is $3,793.00 and Comparison data is $3,725.00 with a variance of +$68.00.		    
xx 70044103 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 70044103 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 70044103 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Title Review shows major title concern (Lvl 2) According to the updated title report dated xx/xx/xxxx, the name of the borrower on the Vesting Deed recorded on xx”. However, the subject mortgage recorded on xx”. No Name Affidavit has been found in the loan file to confirm the borrower’s name.    
xx 70044103 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 70044103 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Application Not Signed by All Borrowers (Lvl 2) Final loan application is not signed by the borrower.    
xx 70044103 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final loan application is not signed by the borrower.    
xx 70044103 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
xx 70044103 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Not all borrowers signed TIL (Lvl 2) Final TIL is not signed by the borrower.    
xx 70044103 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 70044103 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 4) xx    
xx 2478858 xx 561 561-882 xx Non-QM QC Complete Missouri xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 2478858 xx 561 561-882 xx Non-QM QC Complete Missouri xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 2478858 xx 561 561-882 xx Non-QM QC Complete Missouri xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 is missing from the loan file, however the initial application available in loan file located at: xx    
xx 2478858 xx 561 561-882 xx Non-QM QC Complete Missouri xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 2478858 xx 561 561-882 xx Non-QM QC Complete Missouri xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) Prohibited Fees First Lien Test: FAIL, loan data: $1,237.50, comparison data: $0.00, variance: +$1,237.50
Document Preparation Fee Test: FAIL, loan data:  $100.00, comparison data: $0.00, variance:  +$100.00		    
xx 2478858 xx 561 561-882 xx Non-QM QC Complete Missouri xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The compliance ease risk indictor is moderate due to Prohibited Fees First Lien Test failed and Construction or Improvement Loan Fee Test failed.    
xx 2478858 xx 561 561-882 xx Non-QM QC Complete Missouri xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) xx     
xx 2478858 xx 561 561-882 xx Non-QM QC Complete Missouri xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 43601484 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 43601484 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal report is missing from the loan file.    
xx 43601484 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 43601484 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 43601484 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 along with itemization and estimated HUD are missing from the loan file.    
xx 43601484 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final loan application /1003 is missing from the loan file.    
xx 43601484 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 43601484 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial acct escrow disclosure is missing from the loan file.    
xx 43601484 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service transfer disclosure is missing from the loan file.    
xx 43601484 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of service transfer disclosure is missing from the loan file.    
xx 43601484 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The following disclosures are missing from the loan files, NJ Application Disclosure, Delivery Fee Authorization, NJ Attorney Disclosure, Unacceptability of Insurance Notice, Attorney Disclosure II, Tax Bill Information, Private Well Testing, Lock-In Agreement, Commitment Disclosures, Choice of Insurer Disclosure and Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application.    
xx 43601484 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 76608535 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 76608535 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 76608535 xx 561 561-882 xx Non-QM QC Complete Georgia xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 76608535 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
xx 76608535 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan file.    
xx 76608535 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 76608535 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure missing from the loan file.    
xx 76608535 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Georgia State. The following required State disclosure is missing from the loan file:
Disclosure of Additional Fees		    
xx 76502045 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 76502045 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 76502045 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) An affiliated business disclosure is missing from the loan file.    
xx 76502045 xx 561 561-882 xx Non-QM QC Complete New Jersey xx NPL General Active B * Water/Sewer Taxes (Lvl 2) According to the review of the updated title report dated xx/xx/xxxx, the utilities charge of the year xx are delinquent in  the amount ofxx.    
xx 76502045 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) CE risk Indicator is Moderate due to the loan is failing for Prohibited Fees Test: FAIL Charged $210.00 Allowed  $0.00 overby+$210.00.

Fees Included-
Courier / Messenger Fee $125.00
Tax Related Service Fee $45.00
Wire Transfer Fee $40.00		    
xx 76502045 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 2) xx    
xx 76502045 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test. ( N.J.S.A. §17:11C-23, N.J.A.C. § §3:1-16.2 )
The loan does charge fee(s) not provided for in this act, which is prohibited.
A person licensed as a mortgage broker shall have the right to charge only the following fees: (1) application fee; and (2) discount points which may be labeled as an origination fee.
FAIL A person licensed as a mortgage banker or correspondent mortgage banker shall have the right to charge only the following fees:		    
xx 17671208 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 17671208 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 17671208 xx 561 561-882 xx Non-QM QC Complete New York xx Data Edit Data Edit Active B * Litigation (Lvl 3) As per the comment dated xx/xx/xxxx, the litigation action was filed on xx/xx/xxxx. However, unable to determine the cause of the litigation form the comments. The affirmative defense was filed by the borrower as noted on the comment xx/xx/xxxx. Information regarding the matter was resolved is not available.    
xx 17671208 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The affiliated business form disclosure is missing from the loan file.    
xx 17671208 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Credit Active B * HUD-1 Closing Statement missing or unsigned (Lvl 3) The final HUD-1 document is found from the loan file. However, the points and fees are hand written.    
xx 17671208 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) The Final TIL is not hand dated by borrower.    
xx 17671208 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The following state disclosures are missing from the loan file.
NY Consumer Credit Disclosure / Fair Credit Reporting Notice, Mortgage Bankers and Exempt Organizations Preapplication, Part 80 Disclosure, Alternative Mortgage Transaction Disclosures, Co-Signer Notice Requirements, Default Warning Notice, Smoke Alarm Affidavit, Subprime Home Loan Counseling Disclosure, Commitment Disclosure.		    
xx 17671208 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Other Disclosures Active B * Missing Required Disclosures (Lvl 2) The list of service providers disclosures is missing from the loan file.    
xx 17671208 xx 561 561-882 xx Non-QM QC Complete New York xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 78064609 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) An affiliated business disclosure is missing from the loan file.    
xx 78064609 xx 561 561-882 xx Non-QM QC Complete New York xx Data Edit Data Edit Active B * Foreclosure Delay or Contested (Lvl 2) AS per comment dated xx/xx/xxxx, the FC was contested with the hold end date of xx/xx/xxxx due to the servicer had not been given the general updated for summary  judgment figures were completed and received  by the attorney on xx/xx/xxxx, and he received the signed order for granting summary judgment.However, the comment dated xx/xx/xxxx reveals the hold occured due to contested matter has been resolved. Further details regarding the same are not available in the collection comments.    
xx 78064609 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Comment history is available from xx/xx/xxxx toxx/xx/xxxx. As we required latest 24 months of comment history; however, the comment history is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 78064609 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Following NY state disclosures are missing from the loan file.
NY Consumer Credit Disclosure / Fair Credit Reporting Notice
NY Interest Rate Disclosure
NY Hazard Insurance  Disclosure
Tax Escrow Account Designation
Mortgage Bankers and Exempt Organizations Preapplication
Part 80 Disclosure
Alternative Mortgage Transaction Disclosures
Co-Signer Notice Requirements
Default Warning Notice
Smoke Alarm Affidavit
New York Real Property Escrow Account Disclosure
Subprime Home Loan Counseling Disclosure
Subprime Home Loan Tax and Insurance Payment Disclosure
Subprime Home Loan Disclosure
Commitment Disclosure
Lock-in Disclosure
Expiration of Lock-in or Commitment Period		    
xx 78064609 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 53067678 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 53067678 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 53067678 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) An affiliated business disclosure is missing from the loan file.    
xx 53067678 xx 561 561-882 xx Non-QM QC Complete New York xx Credit DTI Active B * DTI > 60% (Lvl 2) As per final 1003, the total monthly income of borrower is $8750.00 and the total monthly expenses are $7812.00; hence DTI > 60%.    
xx 53067678 xx 561 561-882 xx Non-QM QC Complete New York xx NPL General Active B * Water/Sewer Taxes (Lvl 3) According to the review of the updated title report dated xx/xx/xxxx, the utilities charge of the year xx are delinquent in  the amount ofxx.    
xx 94909886 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 94909886 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 94909886 xx 561 561-882 xx Non-QM QC Complete New York xx NPL General Active B * Water/Sewer Taxes (Lvl 2) According to the review of the updated title report dated xx/xx/xxxx, the utilities charge of the year xx are delinquent in  the amount ofxx.    
xx 94909886 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Title Review Active B * Active Judgment Against Borrower (Lvl 3) According to the updated title report dated xx/xx/xxxx, there are seven judgments for xx.
The subject mortgage was originated on xx.		    
xx 94909886 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 94909886 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 94909886 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Credit Active B * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 is available in the loan file located at “xx”. However, some points and fees are hand written.    
xx 94909886 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider document is missing from the loan file.    
xx 94909886 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
xx 94909886 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in New York State. The following state disclosures are missing from the loan file.
1.NY Consumer Credit Disclosure / Fair Credit Reporting Notice
2.NY Interest Rate Disclosure
3.NY Hazard Insurance  Disclosure
4.Tax Escrow Account Designation
5.Mortgage Bankers and Exempt Organizations Preapplication
6.Part 80 Disclosure
7.Alternative Mortgage Transaction Disclosures
8.Co-Signer Notice Requirements
9.Default Warning Notice
10.New York Real Property Escrow Account Disclosure
11.Subprime Home Loan Counseling Disclosure
12.Subprime Home Loan Tax and Insurance Payment Disclosure
13.Subprime Home Loan Disclosure
14.Expiration of Lock-in or Commitment Period		    
xx 75552351 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 75552351 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 75552351 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business form is missing from the loan file.    
xx 75552351 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Below mentioned required state disclosures are missing from the loan file: 1.VA Application Disclosure 2.Choice of Settlement Agent Disclosure 3.Disclosure of Charges For Appraisal or Valuation 4.Copy of Appraisal or Statement of Appraised Value 5.Affiliated Business Disclosure    
xx 75552351 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Providers document is missing from the loan file.    
xx 75552351 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index value is missing from the loan file.    
xx 75552351 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comments are available from xx/xx/xxxx toxx/xx/xxxx; however, latest 24 months of comment history is required. Hence, comment history missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 75552351 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) This is an ARM loan; However, the loan program disclosure is missing from the loan file.    
xx 52528278 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 52528278 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 52528278 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) list of service providers is missing from the loan files.    
xx 52528278 xx 561 561-882 xx Non-QM QC Complete Virginia xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 52528278 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated business disclosure is missing from the loan file.    
xx 52528278 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The collection comments are available from xx/xx/xxxx to xx/xx/xxxx. We review latest 24 months collection comments. However; the comments are missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 52528278 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) The operative index is unable to determine from the available loan files.    
xx 52528278 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located at "VA" state and following required disclosures are missing in the available loan files.

Financial Institution Choice of Insurance Disclosure
Choice of Settlement Agent Disclosure
Disclosure of Charges For Appraisal or Valuation
Copy of Appraisal or Statement of Appraised Value
Affiliated Business Disclosure		    
xx 87310633 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 87310633 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 87310633 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider document is missing from the loan file.    
xx 87310633 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The notice of servicing transfer disclosure is missing from the loan file.    
xx 87310633 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
xx 87310633 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in New York State. The following state disclosures are missing from the loan file.
1.NY Consumer Credit Disclosure / Fair Credit Reporting Notice
2.NY Interest Rate Disclosure
3.NY Hazard Insurance  Disclosure
4.Tax Escrow Account Designation
5.Mortgage Bankers and Exempt Organizations Preapplication
6.Part 80 Disclosure
7.Alternative Mortgage Transaction Disclosures
8.Co-Signer Notice Requirements
9.Default Warning Notice
10.Smoke Alarm Affidavit
11.New York Real Property Escrow Account Disclosure
12.Subprime Home Loan Counseling Disclosure
13.Subprime Home Loan Tax and Insurance Payment Disclosure
14.Subprime Home Loan Disclosure
15.Commitment Disclosure		    
xx 87310633 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the late fees test.    
xx 87310633 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the late fees test.
The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located.
Late Fees Test: FAIL Loan Data is 5.000%; Comparison Data is 2.000%; hence, variance is +3.000%		    
xx 87310633 xx 561 561-882 xx Non-QM QC Complete New York xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) This modification agreement was made on xx.
According to the Balloon addendum attached to the loan modification agreement, in an effort to assist the borrower in meeting obligations and upon the execution of the agreement, the lender agrees to immediately forgive the amount of $xx.
The new UPB as per the agreement is $xx. The forgiven amount is more than 2% of the modified amount.		    
xx 13115684 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 13115684 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 13115684 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business form is missing from the loan file.    
xx 13115684 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 13115684 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Below mentioned required state disclosures are missing from the loan file:

1. Waiver of Borrowers Rights and Closing Attorney Affidavit (not required by law but provided as a matter of custom)
2. Disclosure of Additional Fees		    
xx 13115684 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider document is missing from the loan file.    
xx 13115684 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer document is missing from the loan file.    
xx 13115684 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The collection comments are available from xx/xx/xxxx toxx/xx/xxxx. As we require latest 24 months collection comments. The collection comments are missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 13115684 xx 561 561-882 xx Non-QM QC Complete Georgia xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 99198486 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 99198486 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 99198486 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) CE Risk Indicator is "Moderate" as this loan failed TILA Rescission Finance Charge Test, TILA Foreclosure Rescission Finance Charge Test and Late Fees Test.
TILA Finance Charge Test: FAIL loan data:$219,529.55  Comparison data$220,850.07 variance:-$1,320.52.
TILA Foreclosure Rescission Finance Charge Test: FAILloan data:$219,529.55  Comparison data$220,850.07 variance:-$1,320.52.
Late Fees Test: FAIL Loan data:5.000% comparison data:4.000% variance:+1.000%		    
xx 99198486 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 99198486 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of service transfer disclosure is missing from the loan file.    
xx 99198486 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated Business Disclosure is missing from the loan file.    
xx 99198486 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by the borrower.    
xx 99198486 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The property is located in NC state and the required disclosures are missing from the loan file.
Amortization Schedule Disclosure, Credit Property Insurance Disclosure, Fee Agreement, Priority of Security Instrument Disclosure and attorney selection disclosure.		    
xx 99198486 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comments are available from xx/xx/xxxx toxx/xx/xxxx; however we required latest 24 months complete comment history. The comments are missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 99198486 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed Late Fees Test.
Late Fees Test: FAIL Loan data:5.000% comparison data:4.000% variance:+1.000%.
The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is
located.		    
xx 99198486 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed TILA Rescission Finance Charge Test, TILA Foreclosure Rescission Finance Charge Test and Late Fees Test.
TILA Finance Charge Test: FAIL loan data:$219,529.55  Comparison data$220,850.07 variance:-$1,320.52.
The finance charge is $220,850.07. The disclosed finance charge of $219,529.55 is not considered accurate because it is
understated by more than $100.

TILA Foreclosure Rescission Finance Charge Test: FAILloan data:$219,529.55  Comparison data$220,850.07 variance:-$1,320.52.
The finance charge is $220,850.07. The disclosed finance charge of $219,529.55 is not considered accurate for purposes of
rescission because it is understated by more than $35.		    
xx 54972068 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 54972068 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 54972068 xx 561 561-882 xx Non-QM QC Complete New York xx Credit DTI Active B * DTI > 60% (Lvl 2) According to final loan application, the total income of the borrower is xx and total debts are $4,815.46. Hence, DTI is calculated as xx%.    
xx 54972068 xx 561 561-882 xx Non-QM QC Complete New York xx NPL General Active B * Water/Sewer Taxes (Lvl 2) According to the review of the updated title report dated xx/xx/xxxx, the utilities charge of the year xx are delinquent in  the amount ofxx.    
xx 54972068 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 54972068 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 54972068 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 3) According to updated title report dated xx/xx/xxxx, subject property taxes are delinquent from the year xx as follow:
2013 other annual taxes are delinquent in the total amount of xx.
2014 other annual taxes are delinquent in the total amount of xx.
2015 other annual taxes are delinquent in the total amount of xx.
2016 other annual taxes are delinquent for the total amount of xx.
2017 other annual taxes are delinquent for the total amount of xx.
2018 other annual taxes are delinquent for the total amount of xx.
This can be cured by paying off for above delinquent taxes including penalty. Total delinquent taxes need to pay off for the amount of xx.		    
xx 54972068 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
xx 54972068 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 54972068 xx 561 561-882 xx Non-QM QC Complete New York xx Legal Docs Mortgage Active B * Mortgage  (Lvl 2) Subject loan was originated under jumbo loan category.    
xx 54972068 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The comment history is available from xx/xx/xxxx toxx/xx/xxxx. However, we require latest 24 collection comments. The comment history is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 54972068 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 54972068 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Title Review Active B * Active Judgment Against Borrower (Lvl 3) The subject mortgage was originated on xx/xx/xxxx in the favor of xx.
According to updated title report dated xx/xx/xxxx, there is a senior xx.
Final Title Policy at the origination does not reflect any exception for senior judgments or liens. It shows a clear title. Possible title claim can be filed.		    
xx 54972068 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in New york state. The following disclosures are missing from the loan file:
NY Consumer Credit Disclosure / Fair Credit Reporting Notice
NY Interest Rate Disclosure
NY Hazard Insurance  Disclosure
Tax Escrow Account Designation
Mortgage Bankers and Exempt Organizations Preapplication
Part 80 Disclosure
Alternative Mortgage Transaction Disclosures
Co-Signer Notice Requirements
Default Warning Notice
Smoke Alarm Affidavit
New York Real Property Escrow Account Disclosure
Subprime Home Loan Counseling Disclosure
Subprime Home Loan Tax and Insurance Payment Disclosure
Subprime Home Loan Disclosure
Commitment Disclosure
Lock-in Disclosure
Expiration of Lock-in or Commitment Period		    
xx 54972068 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA finance charge test.    
xx 54972068 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.
TILA Finance Charge Test: FAIL Loan Data: $1,030,890.54 Comparison Data: $1,040,759.55 Variance: -$9,869.0.
The finance charge is $1,040,759.55. The disclosed finance charge of $1,030,890.54 is not considered accurate because it is understated by more than $100.		    
xx 13837219 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 13837219 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 13837219 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 13837219 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business form disclosure is missing from the loan file.    
xx 13837219 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report is missing form the loan file. The value and date is captured form doc located at#xx    
xx 13837219 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit DTI Active B * DTI > 60% (Lvl 2) As per final application total income is $10,608.00 and total debts are $5,367.00. hence DTI is greater than 60%.    
xx 13837219 xx 561 561-882 xx Non-QM QC Complete Florida xx Data Edit Data Edit Active B * Litigation (Lvl 3) Comment dated xx/xx/xxxx shows that foreclosure was contested and matter was found for additional fees was requested in the amount of $577.00. File was put on hold due to litigation on xx/xx/xxxx.  Again comment dated xx/xx/xxxxshows that foreclosure was contested and matter was found for additional fees was requested in the amount of $795.50 and litigation reason due to additional fees requested. No further comments found stating that litigation matter is resolved or not.    
xx 13837219 xx 561 561-882 xx Non-QM QC Complete Florida xx Data Edit Data Edit Active B * Foreclosure Delay or Contested (Lvl 3) Comment dated xx/xx/xxxx shows that foreclosure was contested and matter was found for additional fees was requested in the amount of $577.00. File was put on hold due to litigation on xx/xx/xxxx.  Again comment dated xx/xx/xxxxshows that foreclosure was contested and matter was found for additional fees was requested in the amount of $795.50. No further comments found shows that contested matter is resolved or not.    
xx 13837219 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by borrower.    
xx 13837219 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Not all borrowers signed TIL (Lvl 2) Final TIL is not signed by borrower.    
xx 13837219 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Following state disclosure are missing form the loan file which are required in Florida State:
Anti-Coercion Notice
Radon Gas Disclosure
Insurance Sales Disclosure		    
xx 13837219 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow acct disclosure is missing from the loan file.    
xx 13837219 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Providers disclosure is missing from the loan file.    
xx 13837219 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of Servicing Transfer disclosure is missing from the loan file.    
xx 79648150 xx 561 561-882 xx Non-QM QC Complete Vermont xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 79648150 xx 561 561-882 xx Non-QM QC Complete Vermont xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 79648150 xx 561 561-882 xx Non-QM QC Complete Vermont xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 79648150 xx 561 561-882 xx Non-QM QC Complete Vermont xx Valuation Property Active B * Property Damage (Lvl 2) As per comment dated xx/xx/xxxx, there is rotting wood damages on subject property in the amount of $1000.00. No further comments found. Details regarding repairs are unavailable. No details were found regarding the insurance claim. As per property assessment report dated xx/xx/xxxx, the subject property is occupied by the unknown party with no visible damages.    
xx 79648150 xx 561 561-882 xx Non-QM QC Complete Vermont xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase risk indicator is moderate as loan is failing for Prohibited fees test.    
xx 79648150 xx 561 561-882 xx Non-QM QC Complete Vermont xx Credit Other Disclosures Active B * Missing Required Disclosures (Lvl 2) List of service provider is missing from the loan file.    
xx 79648150 xx 561 561-882 xx Non-QM QC Complete Vermont xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is missing from the loan file.    
xx 79648150 xx 561 561-882 xx Non-QM QC Complete Vermont xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan did not pass the prohibited fees test. (9 VSA §42)
The Vermont statutes provide that only those fees expressly permitted may be charged.		    
xx 91133034 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 91133034 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 91133034 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Legal Docs Mortgage Active B * Mortgage  (Lvl 2) Subject loan was originated under jumbo loan category.    
xx 91133034 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) The initial escrow acct disclosure is missing from the loan files.    
xx 91133034 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) The operative index value is unable to determine from the available loan files.    
xx 91133034 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in MA State. The following state disclosures are missing in the loan files.
Lead-Based Paint Disclosure
Mortgage Loan Application Disclosure
Carbon Monoxide Alarms
MA Smoke Detector Certificate
Notice of the Specific Reason for Denial of Credit
Demonstration and Documentation of Compliance with Borrower’s Interest Requirement		    
xx 75015584 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1/settlement statement and itemization of fees are missing from the loan file.    
xx 75015584 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated Business Disclosure is missing from the loan file.    
xx 75015584 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) The Appraisal at the time of origination is missing from the loan file.    
xx 75015584 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Application Missing (Lvl 2) The Final Application is missing from the loan file.    
xx 75015584 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) The Final TIL is missing from the loan file.    
xx 75015584 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) The Initial Escrow Account Disclosure is missing from the loan file.    
xx 75015584 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) The ROR is missing from the loan file.    
xx 75015584 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The Servicing Transfer Disclosure is missing from the loan file.    
xx 48161158 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 48161158 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 48161158 xx 561 561-882 xx Non-QM QC Complete Washington xx Valuation Property Active B * Property Damage (Lvl 2) According to latest exterior  BPO (Doc locator#xx) dated xx/xx/xxxx, shows subject property needed repairs  in the amount of  $3000.00. There is need  to repaint exterior trim, possible siding.    
xx 48161158 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
xx 48161158 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) The initial Escrow account disclosure is missing in the loan files.    
xx 14562883 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 14562883 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 14562883 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Form is missing from the loan file.    
xx 14562883 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 14562883 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Acct Disclosure is missing from the loan file.    
xx 14562883 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Providers Disclosure is missing from the loan file.    
xx 14562883 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 14562883 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer Disclosure is missing from the loan file.    
xx 14562883 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 14562883 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Massachusetts state. The following state disclosures are missing from the loan file:
·Lead-Based Paint Disclosure.
·Mortgage Loan Application Disclosure.
·Carbon Monoxide Alarms.
·MA Smoke Detector Certificate.
·Notice of the Specific Reason for Denial of Credit.
·Demonstration and Documentation of Compliance with Borrower’s Interest Requirement.		    
xx 14562883 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA APR test.
This loan failed the TILA right of rescission test.		    
xx 14562883 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA APR Test: FAIL; Loan Data:  0.000%; Comparison Data:5.579%; Variance: -5.579%.
This loan failed the TILA APR test. ( 12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4) ) FAIL
The annual percentage rate (APR) is 5.579%. The disclosed APR of 0.000% is not considered accurate because it is more than
1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.
TILA Right of Rescission Test: FAIL.
This loan failed the TILA right of rescission test.
Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) ,
transferred from 12 CFR §226.15(a)(3) )
The funding date is before the third business day following consummation.
The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the
notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last.		    
xx 88517501 xx 561 561-882 xx Non-QM QC Complete Iowa xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 88517501 xx 561 561-882 xx Non-QM QC Complete Iowa xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 88517501 xx 561 561-882 xx Non-QM QC Complete Iowa xx Credit Doc Issue Active B * Final TIL Date after actual transaction date (Lvl 2) Final TIL date is xx which is after the transaction date of xx.    
xx 88517501 xx 561 561-882 xx Non-QM QC Complete Iowa xx Credit Other Disclosures Active B * Missing Required Disclosures (Lvl 2) List of service providers document is missing from the loan file.    
xx 88517501 xx 561 561-882 xx Non-QM QC Complete Iowa xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 88517501 xx 561 561-882 xx Non-QM QC Complete Iowa xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in state of Iowa. The following state disclosures are missing from the loan file.
1) Credit Agreement Disclosure.
2) Notice to Consumer.
3) Compliance with Truth in Lending Act.
4) Choice of Insurer Disclosure.		    
xx 39617936 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 39617936 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 39617936 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit DTI Active B * DTI > 60% (Lvl 2) According to final application the total monthly income of the borrower is xx; however, total monthly debts are in the amount of xx. Hence, DTI is 70.829% whcih is greater than xx%.    
xx 39617936 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Collection comments are available from xx/xx/xxxx till xx/xx/xxxx; however, as we require latest 24 months collection comments. Comment history is missing from xx/xx/xxxx till xx/xx/xxxx.    
xx 39617936 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase risk indicator is moderate as the loan is failing for brokerage fee test.    
xx 39617936 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Following are the required state disclosure missing from the loan file;
Placement of Insurance Disclosure
Availability of Title Insurance
TN Consent to Disclosure of Insurance Information
Choice of Agent/insurer
Insurance Solicitation/Post Commitment		    
xx 39617936 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from the loan file.    
xx 39617936 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 39617936 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 39617936 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the brokerage/finder fee test as;
Brokerage/Finder Fee Test: FAIL $5,460.00 $3,640.00 +$1,820.00.
The mortgage loan charges a brokerage/finder fee that exceeds 2% of the total loan amount. Under the Tennessee Rules and
Regulations, brokerage fee is synonymous with finder fee.		    
xx 71300674 xx 561 561-882 xx Non-QM QC Complete Arkansas xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 71300674 xx 561 561-882 xx Non-QM QC Complete Arkansas xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 71300674 xx 561 561-882 xx Non-QM QC Complete Arkansas xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan file.    
xx 71300674 xx 561 561-882 xx Non-QM QC Complete Arkansas xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 71300674 xx 561 561-882 xx Non-QM QC Complete Arkansas xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated Business Disclosure is missing from the loan file.    
xx 71300674 xx 561 561-882 xx Non-QM QC Complete Arkansas xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Arkansas state. The following disclosure is missing from the loan file:
Choice of Insurance Disclosure		    
xx 35378276 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 35378276 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 35378276 xx 561 561-882 xx Non-QM QC Complete North Carolina xx NPL General Active B * Water/Sewer Taxes (Lvl 3) According to the review of the updated title report dated xx/xx/xxxx, the utilities charge of the year xx are delinquent in  the amount ofxx.    
xx 35378276 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow acct disclosure is missing from the loan file.    
xx 35378276 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index value is unable to determine from the loan file.    
xx 35378276 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) Pro-Title shows, the chain of the assignment has not been completed. The latest assignment was done from xx.    
xx 35378276 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The affiliated business disclosure is missing from the loan file.    
xx 35378276 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The following state disclosures are missing in the loan file.
Amortization Schedule Disclosure, Credit Property Insurance Disclosure, Fee Agreement, Priority of Security Instrument Disclosure and Attorney Selection Disclosure.		    
xx 56701992 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 56701992 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Good Faith Estimate missing or unexecuted (Lvl 2) Final GFE is missing from the loan file.    
xx 56701992 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Initial Good Faith Estimate is Missing (Lvl 2) Initial GFE is missing from the loan file.    
xx 56701992 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Initial Truth in Lending Disclosure is Missing (Lvl 2) Initial TIL is missing from the loan file.    
xx 56701992 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The collection comments are available from xx/xx/xxxx to xx/xx/xxxx. We review latest 24 months comments. However; the comments are missing from the xx/xx/xxxx to xx/xx/xxxx.    
xx 56701992 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * ComplianceEase Exceptions Test Failed (Lvl 2) The ComplianceEase Exception Test Failed due to
1) RESPA "Transfer Taxes" (1203) Validation Test:		    
xx 56701992 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The ComplianceEase risk indicator is "Moderate " due to:-
1) HOEPA Higher-Priced Mortgage Loan:
The loan data is 5.470%, The Comparison data is 5.450% and the variance is +0.020%.
The loan is Escrowed.		    
xx 56701992 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) The loan is conventional and LTV is xx, hence the MI certificate is requires and is missing from the loan file.    
xx 56701992 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located at "Florida" state and this state requires 3 disclosures and all are missing from the loan file as follows. 1) Anti-Coercion Notice. 2) Radon Gas Disclosure. 3) Insurance Sales Disclosure.    
xx 70894449 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) According to the updated title report dated xx/xx/xxxx, the chain of assignment has been completed. Currently, the assignment is from xx.    
xx 70894449 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active B * ComplianceEase Exceptions Test Failed (Lvl 2) GSE (Freddie Mac public guidelines) Maximum LTV Test: FAIL
RESPA Originator Compensation Validation Test: FAIL		    
xx 70894449 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Modification Doc Issue Active B * Loan appears modified. Mod missing or unexecuted (Lvl 3) The borrower making payment as per unexecuted modification located at “xx” between the borrower xx. According to the modified terms, the new principal balance is in the amount of $xx. The borrower promises to make payments in 3 steps starting from the rate of interest 3.875% to 5.500% with P&I of $472.25 to $588.67 beginning from xx/xx/xxxx till the maturity xx. The denied document located at “xx”. As per comment dated xx/xx/xxxx, the mod was closed with investor denied. The mod Review U/W decision is pending. The comment dated xx/xx/xxxx, the borrower didn’t accept the mod offer. However, the last payment was received on xx/xx/xxxx for the amount of $472.25 which was applied on xx/xx/xxxx. The borrower making payment as per un executed modification.    
xx 70894449 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Doc Issue Active B * Good Faith Estimate missing or unexecuted (Lvl 2) The final GFE is missing from the loan file.    
xx 70894449 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in South Carolina State. The following state disclosures are missing from the loan file.
1)Agent Preference Disclosure
2)Casualty Insurance Disclosure		    
xx 70894449 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Valuation Appraisal Active B * Variation in Parcel number(APN#) (Lvl 3) xx    
xx 70894449 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA Finance Charge Test: FAIL Loan Data $106,385.61 Comparison Data $108,346.87 Variance -$1,961.26
This loan failed the TILA finance charge test.
 The finance charge is $108,346.87. The disclosed finance charge of $106,385.61 is not considered accurate because it is
understated by more than $100.

TILA APR Test: FAIL Loan data  4.745%  Comparison Data 4.886%  Variance -0.141%
This loan failed the TILA APR test.
The annual percentage rate (APR) is 4.886%. The disclosed APR of 4.745% is not considered accurate because it is more than
1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.		    
xx 70894449 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) TILA Finance Charge Test: FAIL Loan Data  xx Comparison Data xx  Variance -xx    
xx 91192706 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 91192706 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 91192706 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business form disclosure is missing from the loan file.    
xx 91192706 xx 561 561-882 xx Non-QM QC Complete Virginia xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) As er the updated title report dated xx/xx/xxxx, the chain of assignment has not been completed, currently the assignment is with xx.    
xx 91192706 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow acct disclosure is missing from the loan file.    
xx 91192706 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 91192706 xx 561 561-882 xx Non-QM QC Complete Virginia xx Valuation Property Active B * Property Damage (Lvl 3) The latest exterior inspection report dated xx/xx/xxxx (Doc- 18972429_20171116-0015-1_BPO_20180709_14515631) reflects the total estimated cost of repairs as $5000.00. The property needs repairs for roofing. However, the latest servicing comments does not reflect any comments regarding the damage or repair.    
xx 91192706 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in the state of VA. The following state disclosures are missing from the loan file.
1)VA Application Disclosure
2)Choice of Settlement Agent Disclosure
3)Disclosure of Charges For Appraisal or Valuation
4)Copy of Appraisal or Statement of Appraised Value
5)Affiliated Business Disclosure		    
xx 55241678 xx 561 561-882 xx Non-QM QC Complete Utah xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 55241678 xx 561 561-882 xx Non-QM QC Complete Utah xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 55241678 xx 561 561-882 xx Non-QM QC Complete Utah xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 55241678 xx 561 561-882 xx Non-QM QC Complete Utah xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 55241678 xx 561 561-882 xx Non-QM QC Complete Utah xx Legal Docs Legal Docs Active B * Updated title review shows IRS / vehicle / federal / personal tax liens (Lvl 2) As per updated title report dated xx/xx/xxxx state that there is IRS lien against the subject borrower is in the amount of xx.    
xx 55241678 xx 561 561-882 xx Non-QM QC Complete Utah xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider is missing from the loan file.    
xx 55241678 xx 561 561-882 xx Non-QM QC Complete Utah xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer disclosure is missing from the loan file.    
xx 55241678 xx 561 561-882 xx Non-QM QC Complete Utah xx Legal Docs Mortgage Active B * Mortgage  (Lvl 2) Subject loan was originated under jumbo loan category.    
xx 55241678 xx 561 561-882 xx Non-QM QC Complete Utah xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Utah State. The state disclosures missing from the loan file are:  Fee Disclosure, Loan Application Notice, Servicer Disclosure, and Notice of Change of Terms for Open-End Consumer Credit Contract Disclosure of Debtor’s Waiver of Class Action.    
xx 90812142 xx 561 561-882 xx Non-QM QC Complete Mississippi xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 90812142 xx 561 561-882 xx Non-QM QC Complete Mississippi xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 90812142 xx 561 561-882 xx Non-QM QC Complete Mississippi xx Data Edit Data Edit Active B * Deceased Borrower(s) (Lvl 3) According to certificate of death (Doc locator#xx), primary borrower "xx"  is deceased on xx    
xx 90812142 xx 561 561-882 xx Non-QM QC Complete Mississippi xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Form Disclosure is missing from the loan file.    
xx 90812142 xx 561 561-882 xx Non-QM QC Complete Mississippi xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 90812142 xx 561 561-882 xx Non-QM QC Complete Mississippi xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Acct Disclosure is missing from the loan file.    
xx 90812142 xx 561 561-882 xx Non-QM QC Complete Mississippi xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider is missing from the loan file.    
xx 90812142 xx 561 561-882 xx Non-QM QC Complete Mississippi xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing Transfer Document is missing from the loan file.    
xx 90812142 xx 561 561-882 xx Non-QM QC Complete Mississippi xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the late fees test.    
xx 90812142 xx 561 561-882 xx Non-QM QC Complete Mississippi xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the late fees test.
According to note late fees charge 5.00% which is compared with 4.00% variance is +1.00%.
The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located.		    
xx 29313419 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 29313419 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affilaited business disclosure is missing from the loan file.    
xx 29313419 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
xx 29313419 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active B * ComplianceEase Exceptions Test Failed (Lvl 2) IN License Validation Test: Result: FAIL

This loan failed the Indiana license validation test. (IN HEA 1359, Ind. Code § 24-4.5-1-101, Ind. Code § 24.4.4-1-101)
Indiana House Enrolled Act 1359 requires the Indiana Department of Financial Institutions to begin regulation of both first and
subordinate lien mortgage lending under the First Lien Mortgage Lending License and Subordinate Lien Mortgage Lending
License. As a result, lenders will no longer be allowed to make loans under the Indiana Unregulated (1st Lien), Unregulated
UCCC, Consumer Loan License, Consumer Loan License UCCC, or the Exemption Letter UCCC.
The Indiana First Lien Mortgage Lending License and Indiana Subordinate Lien Lending License are not available for loans with
a closing date before the Act's effective date of January 1, 2009.		    
xx 29313419 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) IN License Validation Test: Result: FAIL

This loan failed the Indiana license validation test. (IN HEA 1359, Ind. Code § 24-4.5-1-101, Ind. Code § 24.4.4-1-101)
Indiana House Enrolled Act 1359 requires the Indiana Department of Financial Institutions to begin regulation of both first and
subordinate lien mortgage lending under the First Lien Mortgage Lending License and Subordinate Lien Mortgage Lending
License. As a result, lenders will no longer be allowed to make loans under the Indiana Unregulated (1st Lien), Unregulated
UCCC, Consumer Loan License, Consumer Loan License UCCC, or the Exemption Letter UCCC.
The Indiana First Lien Mortgage Lending License and Indiana Subordinate Lien Lending License are not available for loans with
a closing date before the Act's effective date of January 1, 2009.		    
xx 29313419 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 29313419 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
xx 29313419 xx 561 561-882 xx Non-QM QC Complete Indiana xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 29313419 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comments are available from xx/xx/xxxx toxx/xx/xxxx. However, we require the latest 24 months’ servicing comments. The servicing comments are missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 29313419 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in IN State. The following state disclosures are missing in the loan files.
Hazard Insurance Disclosure
Federal Consumer Credit Protection Act Disclosure
Insurance Freedom of Choice Disclosure		    
xx 29313419 xx 561 561-882 xx Non-QM QC Complete Indiana xx Data Edit Data Edit Active B * Water/Sewer Taxes (Lvl 3) xx    
xx 29313419 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to determine an operative index value because supportive documents are missing from the loan file.    
xx 49433294 xx 561 561-882 xx Non-QM QC Complete Kansas xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 49433294 xx 561 561-882 xx Non-QM QC Complete Kansas xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 49433294 xx 561 561-882 xx Non-QM QC Complete Kansas xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 49433294 xx 561 561-882 xx Non-QM QC Complete Kansas xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 49433294 xx 561 561-882 xx Non-QM QC Complete Kansas xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan file.    
xx 49433294 xx 561 561-882 xx Non-QM QC Complete Kansas xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Providers is missing from the loan file.    
xx 49433294 xx 561 561-882 xx Non-QM QC Complete Kansas xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 49433294 xx 561 561-882 xx Non-QM QC Complete Kansas xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing Transfer Document is missing from the loan file.    
xx 49433294 xx 561 561-882 xx Non-QM QC Complete Kansas xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in KS State. Follwing state disclosure is missing from the loan file. :-
1) Signed Closed-end Credit Agreement Notice		    
xx 49433294 xx 561 561-882 xx Non-QM QC Complete Kansas xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the prepayment term test.
According to note there is prepayment term is initiated for the 36 months which is comparison with 0 months and variance is 36 months.
The loan has a prepayment term that does not conform to the requirements for the lender's license type in the state where the property is located.		    
xx 49433294 xx 561 561-882 xx Non-QM QC Complete Kansas xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.
The loan data is $316322.51 which is comparison with $316484.14 and variance is -$161.63
The finance charge is $316,484.14. The disclosed finance charge of $316,322.51 is not considered accurate because it is understated by more than $100.
This loan failed the TILA foreclosure rescission finance charge test.
The loan data is $316322.51 which is comparison with $316484.14 and variance is -$161.63
The finance charge is $316,484.14. The disclosed finance charge of $316,322.51 is not considered accurate for purposes of rescission because it is understated by more than $35.		    
xx 49433294 xx 561 561-882 xx Non-QM QC Complete Kansas xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA finance charge test.
This loan failed the TILA foreclosure rescission finance charge test.
This loan failed the prepayment term test.		    
xx 37903244 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 37903244 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 37903244 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Data Edit Data Edit Active B * Litigation (Lvl 3) According to review of the collection comment and updated title report, the foreclosure was initiated in xx. The file was referred to an attorney on xx. The Complaint was filed on xx. The service was completed on xx/xx/xxxx. The amended complaint was filed on xx.
According to the comment dated xx/xx/xxxx, there was a litigation issue. The contested matter was referred to litigation department on xx/xx/xxxx.The comment dated xx/xx/xxxx states that the litigation hold was still open. The reason for litigation is unable to determine from the collection comment. No further details regarding the litigation have been found in the collection comment.		    
xx 37903244 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 37903244 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 37903244 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD-1 is not signed by the borrower.    
xx 37903244 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final loan application is missing from the loan file.    
xx 37903244 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow disclosure is missing from the loan file.    
xx 37903244 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 37903244 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 37903244 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx NPL General Active B * Describe the BK payment plan (Lvl 3) xx    
xx 37903244 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA APR test ,TILA Finance Charge  test and TILA foreclosure rescission test.    
xx 37903244 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed TILA APR Test: Loan Data:7.790% Comparison:9.546%  Variance:-1.756%.
The annual percentage rate (APR) is 9.546%. The disclosed APR of 7.790% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.
This loan failed TILA Finance Change Test: Loan Data:$404,911.96% Comparison:$562,805.02  Variance:-$157,893.06%.
The finance charge is $562,805.02. The disclosed finance charge of $404,911.96 is not considered accurate because it is understated by more than $100.
This loan failed TILA foreclosure Rescission ChargeTest: Loan Data:$404,911.96% Comparison:$562,805.02  Variance:-$157,893.06%.
The finance charge is $562,805.02. The disclosed finance charge of $404,911.96 is not considered accurate for purposes of rescission because it is understated by more than $35.		    
xx 55315716 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 55315716 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 55315716 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 55315716 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal report is missing from the loan file.    
xx 55315716 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 2) As per the review of the updated title report dated xx/xx/xxxx, the xx taxes have been delinquent in the amount of $914.53.    
xx 55315716 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from the loan file.    
xx 55315716 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The collection documents are available from xx/xx/xxxx toxx/xx/xxxx. We require the latest 24 collection comments. The collection comments are missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 55315716 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The following disclosures are missing from the loan file, Amortization Schedule Disclosure, Credit Property Insurance Disclosure, Fee Agreement, Priority of Security Instrument Disclosure and Attorney Selection Disclosure.    
xx 55315716 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 55315716 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the first lien lender fees test due to one of the following findings: (NC §24-1.1A(e))
The loan is a first lien mortgage with a principal amount that is greater than or equal to $10,000 and the sum of all lender
fees exceeds the greater of 0.25% of the principal amount or $150. Lender fees are all fees designated for the lender
other than the origination fee, discount points, assumption fee, rate lock fee, application fee, commitment fee, lender
inspection fee (post-close) and interest; or
The loan is a first lien mortgage made by a HUD approved lender and the sum of all lender fees exceeds the greater of
0.25% of the principal amount or $150. Lender fees are all fees designated for the lender other than the origination fee,
discount points, assumption fee, rate lock fee, application fee, commitment fee, lender inspection fee (post-close) and
interest; or
The loan is a first lien mortgage with a principal amount that is less than $10,000 and the loan charges a lender fee. (NC
24-1.1A(c1)).		    
xx 55315716 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) )
The finance charge is $96,742.02. The disclosed finance charge of $96,202.78 is not considered accurate because it is
understated by more than $100.
This loan failed the TILA foreclosure rescission finance charge test. ( 12 CFR §1026.23(h) , transferred from 12 CFR
§226.23(h) )
The finance charge is $96,742.02. The disclosed finance charge of $96,202.78 is not considered accurate for purposes of
rescission because it is understated by more than $35.		    
xx 55315716 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) TILA Finance Charge Test: FAIL xx -$539.24.
TILA Foreclosure Rescission Finance Charge Test: FAIL xx xx -$539.24.
First Lien Lender Fees Test: FAIL $500.00 $175.00 +$325.00.		    
xx 17326113 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 17326113 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 17326113 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 17326113 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The comment history is available from xx/xx/xxxx toxx/xx/xxxx. However, we require the latest 24 months comment history. The comment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 17326113 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) The final TIL is missing from the loan file.    
xx 17326113 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider document is missing from the loan file.    
xx 17326113 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The notice of servicing transfer disclosure is missing from the loan file.    
xx 17326113 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 17326113 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
xx 17326113 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 17326113 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in New Jersey State. The following required state disclosures are missing from the loan file.
1. NJ Application Disclosure
2. Delivery Fee Authorization
3. NJ Attorney Disclosure
4. Unacceptability of Insurance Notice
5. Attorney Disclosure II
6. Tax Bill Information
7. Private Well Testing
8. Lock-In Agreement
9. Commitment Disclosures
10. Choice of Insurer Disclosure
11. Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 17326113 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test : loan data $905.00, Variance $0.00, Comparison data +$905.00.    
xx 17326113 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA APR test :loan data 0.000%, Comparison data 6.146%, Variance -6.146%.    
xx 17326113 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA APR test.
This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test.
The loan does charge fee(s) not provided for in this act, which is prohibited.
A person licensed as a mortgage broker shall have the right to charge only the following fees: (1) application fee; and (2)
discount points which may be labeled as an origination fee.		    
xx 90871742 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 90871742 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 90871742 xx 561 561-882 xx Non-QM QC Complete Texas xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An  appraisal report is missing from the loan file.    
xx 90871742 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Collection comments are available from xx/xx/xxxx till xx/xx/xxxx; however, as we require latest 24 months collection comments. Comment history is missing from xx/xx/xxxx till xx/xx/xxxx.    
xx 90871742 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) xx     
xx 90871742 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 90871742 xx 561 561-882 xx Non-QM QC Complete Texas xx NPL NPL Active B * Payment History is not Complete (Lvl 3) Payment history is available from xx/xx/xxxx till xx/xx/xxxx; however, as we require latest 12 months payment history. Payment history is missing from xx/xx/xxxx tillxx/xx/xxxx.    
xx 90871742 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from the loan file.    
xx 90871742 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 60590283 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 60590283 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 60590283 xx 561 561-882 xx Non-QM QC Complete Ohio xx Data Edit Data Edit Active B * Foreclosure Delay or Contested (Lvl 2) According to the collection comment dated xx/xx/xxxx, the contested Matter identified for the Loan. The pleading for the same uploaded on xx/xx/xxxx. The contested matter is referred to litigation department on xx/xx/xxxx.  However; the collection comment dated xx/xx/xxxx shows; the contested matter resolved on xx/xx/xxxx. Further details regarding the same are not available.    
xx 60590283 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) The loan is conventional and the LTV is greater thanxx. Hence; the MI certificate is required. However; the MI certificate is missing from the loan file.    
xx 60590283 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located at "OHIO" state which requires following state disclosures and al  are missing from the loan file.
Equal Credit Availability Notice
Insurance Tying Disclosure
Non-Deposit Insurance Disclosure		    
xx 53756852 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 53756852 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 53756852 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 53756852 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from the loan file.    
xx 53756852 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The collection comments are available from xx/xx/xxxx toxx/xx/xxxx. We require the latest 24 collection comments. The collection comments are missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 53756852 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The following disclosures are missing from the loan file, Mortgage Loan Servicing Disclosure, Choice of Insurance Notice, Purchase Money Residential Mortgage Loan Closing Valuation Disclosure and Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application.    
xx 53756852 xx 561 561-882 xx Non-QM QC Complete Washington xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 53756852 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) xx    
xx 53756852 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) TILA Finance Charge Test: FAIL xx  xx -$1,911.19.    
xx 53756852 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA Finance Charge Test: FAIL $193,116.14 $195,027.33 -$1,911.19.
This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) )
The finance charge is $195,027.33. The disclosed finance charge of $193,116.14 is not considered accurate because it is
understated by more than $100.		    
xx 34316927 xx 561 561-882 xx Non-QM QC Complete Utah xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 34316927 xx 561 561-882 xx Non-QM QC Complete Utah xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 34316927 xx 561 561-882 xx Non-QM QC Complete Utah xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 34316927 xx 561 561-882 xx Non-QM QC Complete Utah xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 34316927 xx 561 561-882 xx Non-QM QC Complete Utah xx NPL NPL Active B * Evidence in the file shows the property was surrendered to the courts/trustee (Lvl 2) Borrower has filed bankruptcy under chapter xx, case # xx. As per the last payment of xx/xx/xxxx was received inxx/xx/xxxx in the amount of $xx. As per the review of payment history, the borrower is delinquent more than 60 days. The last payment was received on xx/xx/xxxx in the amount $716.17 which was applied toxx/xx/xxxx. The next due date isxx/xx/xxxx. The payment was received as per modification agreement.  As per payment history, the current UPB is being reflected the amount of $xx. According to the order confirming debtors chapter xx plan filed on xx, the borrower has an intention to surrender the subject property However, the updated title report dated xx/xx/xxxx shows the current owner is the same as the borrower.    
xx 34316927 xx 561 561-882 xx Non-QM QC Complete Utah xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD-1 is available in the loan file. however, it is not signed by borrower.    
xx 34316927 xx 561 561-882 xx Non-QM QC Complete Utah xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 34316927 xx 561 561-882 xx Non-QM QC Complete Utah xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Providers is missing from the loan file.    
xx 34316927 xx 561 561-882 xx Non-QM QC Complete Utah xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Servicing comment is available from xx/xx/xxxx toxx/xx/xxxx. however, we required latest 24 months servicing comment. Servicing comment is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 34316927 xx 561 561-882 xx Non-QM QC Complete Utah xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located at UT state.
Following state disclosure is missing from the loan file. :-
1) Fee Disclosure
2) Servicer Disclosure		    
xx 34316927 xx 561 561-882 xx Non-QM QC Complete Utah xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA APR test.    
xx 34316927 xx 561 561-882 xx Non-QM QC Complete Utah xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA APR test.
Final TIL is missing from the loan file. Hence, APR is taken as 0.00% which is comparison with 5.278% and variance is -5.278%.
The annual percentage rate (APR) is 5.278%. The disclosed APR of 0.000% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.		    
xx 16454389 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 16454389 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 16454389 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business from disclosure is missing from the loan file.    
xx 16454389 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Data Edit Data Edit Active B * Foreclosure Delay or Contested (Lvl 2) Collection comment dated xx/xx/xxxx shows that foreclosure was contested by borrower for additional fees $9303.00. On the same day contested matter was identified.
Contested matter was referred to Litigation completed on xx/xx/xxxx. Comment dated xx/xx/xxxx shows that mediation was scheduled to resolve the litigation. No further details have been found.		    
xx 16454389 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Data Edit Data Edit Active B * Litigation (Lvl 2) Collection comment dated xx/xx/xxxx shows that foreclosure was contested by borrower for additional fees $9303.00. On the same day contested matter was identified.
Contested matter was referred to Litigation completed on xx/xx/xxxx. Comment dated xx/xx/xxxx shows that mediation was scheduled to resolve the litigation. No further details have been found.		    
xx 16454389 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Collection comments are available from xx/xx/xxxx toxx/xx/xxxx which are incomplete as we required for recent 24 months. Collection comments are missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 16454389 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase Risk Indicator is Moderate due to
This loan failed the TILA finance charge test.
This loan failed the TILA foreclosure rescission finance charge test.		    
xx 16454389 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Credit Active B * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD 1 is available in the loan file. However, some points and fees are hand written.    
xx 16454389 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Providers disclosure is missing from the loan file.    
xx 16454389 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in New Jersey state. Following state disclosure are missing from the loan file, which are required in NJ state.
1) NJ Attorney Disclosure
2) Unacceptability of Insurance Notice
3) Attorney Disclosure II
4) Tax Bill Information
5) Private Well Testing
6) Choice of Insurer Disclosure
7) Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 16454389 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test. Loan data is $201,149.90, Comparison data is $202,037.88 and variance is $887.98.
This loan failed the TILA foreclosure rescission finance charge test. Loan data is $201,149.90, Comparison data is $202,037.88 and variance is $887.98.		    
xx 81662161 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 81662161 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 81662161 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal report is missing from the loan file.    
xx 81662161 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
xx 81662161 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from the loan file.    
xx 81662161 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The collection documents are available from xx/xx/xxxx toxx/xx/xxxx. We require the latest 24 collection comments. The collection comments are missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 81662161 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The following disclosures are missing from the loan file, Mortgage Loan Application Disclosure, Carbon Monoxide Alarms, MA Smoke Detector Certificate, Notice of the Specific Reason for Denial of Credit and Demonstration and Documentation of Compliance with Borrower’s Interest Requirement.    
xx 81662161 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) TILA Foreclosure Rescission Finance Charge Test: FAIL xx xx -$70.47.    
xx 81662161 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA Foreclosure Rescission Finance Charge Test: FAIL $228,734.37 $228,804.84 -$70.47.
This loan failed the TILA foreclosure rescission finance charge test. ( 12 CFR §1026.23(h) , transferred from 12 CFR
§226.23(h) )
The finance charge is $228,804.84. The disclosed finance charge of $228,734.37 is not considered accurate for purposes of
rescission because it is understated by more than $35.		    
xx 94858339 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 94858339 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 94858339 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 94858339 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow acct disclosure is missing from the loan file.    
xx 94858339 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from the loan file.    
xx 94858339 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The collection comments are available from xx/xx/xxxx toxx/xx/xxxx. We require latest 24 months collection comments. The collection comments are missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 94858339 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) xx     
xx 94858339 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 51450894 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 51450894 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 51450894 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The Collection comments are available from xx/xx/xxxx to xx/xx/xxxx. We review latest 24 months collection comments. However; the comments are missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 51450894 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The ComplianceEase risk indicator is "Moderate" due to
1) TILA Rescission Finance Charge Test.
2) TILA Foreclosure Rescission Finance Charge Test.		    
xx 51450894 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The List of Service providers is missing from the loan file.    
xx 51450894 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located at 'Washington" state and this state requires following disclosure and all are missing from the loan file.
1) Choice of Insurance Notice.
2) Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application.		    
xx 51450894 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This Loan is failed for:-
1) TILA Finance Charge Test:
Loan Data $292,019.39  Comparison Data $292,132.62  Variance -$113.23.

2) TILA Foreclosure Rescission Finance Charge Test
Loan Data $292,019.39  Comparison Data $292,132.62  Variance -$113.23.		    
xx 91011622 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 91011622 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 91011622 xx 561 561-882 xx Non-QM QC Complete Texas xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 91011622 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow acct disclosure is missing from the loan file.    
xx 91011622 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The comment history is available from xx/xx/xxxx toxx/xx/xxxx. However, latest 24 months comment history is required. The comment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 91011622 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) xx     
xx 91011622 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Other Disclosures Active B * Missing Required Disclosures (Lvl 2) The list of service providers disclosure is missing from the loan file.    
xx 76252871 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 76252871 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 76252871 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 76252871 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 76252871 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report at the time of loan origination is missing from the loan file.    
xx 76252871 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 76252871 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) CE Risk indicator is "Moderate".
1. This loan failed the TILA finance charge test.
2. This loan failed the TILA foreclosure rescission finance charge test.		    
xx 76252871 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 76252871 xx 561 561-882 xx Non-QM QC Complete New Jersey xx NPL NPL Active B * Payment History is not Complete (Lvl 3) Prior payment history is available in the file from xx/xx/xxxx to xx/xx/xxxx. However, we require latest 12 months payment history; the latest payment history is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 76252871 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated Business Form is missing from the loan file.    
xx 76252871 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Servicing comments are available in the file from xx/xx/xxxx till xx/xx/xxxx,  however, we require latest 24 months comments history; Servicing comments are missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 76252871 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Credit Active B * HUD-1 Closing Statement missing or unsigned (Lvl 3) The copy of final hud-1 settlement statement is eligible; however some values are hand written.    
xx 76252871 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) The final TIL is not hand dated by the borrower.    
xx 76252871 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in NJ state. The following require state disclosure are missing from the loan file.
1. NJ Attorney Disclosure
2. Unacceptability of Insurance Notice
3 Attorney Disclosure II
4. Tax Bill Information
5. Private Well Testing
6. Choice of Insurer Disclosure
7. Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 76252871 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.
1.This loan failed the TILA finance charge test.
The finance charge is $49,862.65. The disclosed finance charge of $49,605.55 is not considered accurate because it is understated by more than $100.
2. This loan failed the TILA foreclosure rescission finance charge test.
 The finance charge is $49,862.65. The disclosed finance charge of $49,605.55 is not considered accurate for purposes of rescission because it is understated by more than $35.		    
xx 61246194 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 61246194 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Compliance Risk Indicator is Moderate for failing the Indiana license validation test.    
xx 61246194 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The affiliated business form disclosure is missing in the loan files.    
xx 61246194 xx 561 561-882 xx Non-QM QC Complete Indiana xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Origination appraisal is missing from the loan file.    
xx 61246194 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The notice of servicing transfer disclosure is missing from the loan file.    
xx 61246194 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The property is located in the state of IN and the following state disclosures are missing from the loan file. (Hazard Insurance Disclosure, Federal Consumer Credit Protection Act Disclosure, Insurance Freedom of Choice Disclosure).    
xx 61246194 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active B * ComplianceEase Exceptions Test Failed (Lvl 2) This loan failed the Indiana license validation test.
 Indiana House Enrolled Act 1359 requires the Indiana Department of Financial Institutions to begin regulation of both first and subordinate lien mortgage lending under the First Lien Mortgage Lending License and Subordinate Lien Mortgage Lending License. As a result, lenders will no longer be allowed to make loans under the Indiana Unregulated (1st Lien), Unregulated UCCC, Consumer Loan License, Consumer Loan License UCCC, or the Exemption Letter UCCC. The Indiana First Lien Mortgage Lending License and Indiana Subordinate Lien Lending License are not available for loans with a closing date before the Act's effective date of January 1, 2009.		    
xx 26187468 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 26187468 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 26187468 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 26187468 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 26187468 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 26187468 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of Servicing Transfer is missing from the loan file.    
xx 26187468 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located at "Florida" state and this state requires following disclosures and all are missing from the loan file.
Anti-Coercion Notice
Title Insurance Disclosure
Radon Gas Disclosure
Insurance Sales Disclosure		    
xx 25328124 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 25328124 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 25328124 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 25328124 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Valuation Appraisal Active B * Variation in Parcel number(APN#) (Lvl 2) xx    
xx 25328124 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase Risk Indicator is Moderate due to:
This loan failed the TILA foreclosure rescission finance charge test.
This loan failed the Brokerage/Finder Fee Test.		    
xx 25328124 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Disclosure is missing from the loan file.    
xx 25328124 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by the borrowers.    
xx 25328124 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The List of Service providers disclosure is missing from the loan file.    
xx 25328124 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Modification Doc Issue Active B * Loan appears modified. Mod missing or unexecuted (Lvl 4) The Note was fixed and original interest rate was 8.77% & P&I was $1,818.83. The current payment history as of xx/xx/xxxx shows that current interest rate is 5.089% and P&I $1,306.90. The seller tape data also shows the modification date is xx and current interest rate is 5.089% & P&I $1,306.90. It appears the loan was modified, but the loan modification agreement is missing from the loan file.
Collection comment dated xx/xx/xxxx shows that loan modification effective date was xx  with payment $xx at interest rate 5.25%.		    
xx 25328124 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Required Affiliated Business Form is missing from the loan file.    
xx 25328124 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in TN state. The following require state disclosure are missing from the loan file.
1. Placement of Insurance Disclosure.
2. Availability of Title Insurance.
3. TN Consent to Disclosure of Insurance Information.
4. Choice of Agent/insurer.
5. Insurance Solicitation/Post Commitment.		    
xx 25328124 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the Brokerage/Finder Fee Test. Loan data is $4,628.91, Comparison data is $4,615.55 and variance is +$13.36    
xx 25328124 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA foreclosure rescission finance charge test. Loan data is $429,498.92, Comparison data is $429,587.33 and variance is -$88.41    
xx 78450983 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 78450983 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 78450983 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Form Disclosure is missing from the loan file.    
xx 78450983 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 78450983 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service providers is missing from the loan file.    
xx 78450983 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan Program disclosure is missing from the loan file.    
xx 78450983 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index value is unable to determine.    
xx 78450983 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 78450983 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 78450983 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) xx    
xx 78450983 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Subject property is located at FL state.
Following state disclosure is missing from the loan file. :-
1.Anti-Coercion Notice
2.Title Insurance Disclosure
3.Radon Gas Disclosure
4.Insurance Sales Disclosure
is missing from the loan file.		    
xx 78450983 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Property Active B * Property is Mobile Home (Lvl 3) xx     
xx 78450983 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Title Issue Active B * Title issue (Lvl 3) xx    
xx 79167300 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 79167300 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 79167300 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 79167300 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider is missing from the loan file.    
xx 79167300 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan Program disclosure is missing from the loan file.    
xx 79167300 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR executed by borrower but not hand dated.    
xx 79167300 xx 561 561-882 xx Non-QM QC Complete Ohio xx Legal Docs Note / Mod Active B * Lost Note Affidavit (Lvl 3) The file contains a Lost Note Affidavit dated xx with a copy of the Note provided in the file.  Located under (xx).    
xx 79167300 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) TIL executed by borrower but not hand dated.    
xx 65664348 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 65664348 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 65664348 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider document is missing from the loan file.    
xx 65664348 xx 561 561-882 xx Non-QM QC Complete Michigan xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The notice of servicing transfer disclosure is missing from the loan file.    
xx 65664348 xx 561 561-882 xx Non-QM QC Complete Michigan xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
xx 65664348 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Michigan State. The following state disclosures are missing in the loan file.
1. MI Borrower's Bill of Rights
2. MI Consumer Caution and Homeownership Counseling Notice
3. Choice of Insurance Agent		    
xx 65664348 xx 561 561-882 xx Non-QM QC Complete Michigan xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 926562 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 926562 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 926562 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final  application is missing from the loan files.    
xx 926562 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
xx 926562 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by the borrower.    
xx 926562 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated business disclosure is missing in the loan files.    
xx 926562 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The CE risk indicator is moderate as This loan failed the interest rate test and brokerage/finder fee test.    
xx 926562 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The comment history is available from xx/xx/xxxx till xx/xx/xxxx, we require recent 24 months of comment history, missing the comment history from xx/xx/xxxx till xx/xx/xxxx.    
xx 926562 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service providers is missing in the loan files.    
xx 926562 xx 561 561-882 xx Non-QM QC Complete Tennessee xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The payment history is available from xx/xx/xxxx to xx/xx/xxxx. As we required latest 12 months of payment history; however, payment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 926562 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The required TN state disclosures are missing from the loan files.
Placement of Insurance Disclosure
Availability of Title Insurance
TN Consent to Disclosure of Insurance Information
Choice of Agent/insure
Insurance Solicitation/Post Commitment."		    
xx 926562 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The service transfer disclosure is missing in the loan files.    
xx 926562 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the interest rate test.
The loan has an interest rate that does not conform to the requirements for the lender's license type in the state where the
property is located.
This loan failed the brokerage/finder fee test. (Tenn. Comp. R. & Regs. 0180-17-07(2))
The mortgage loan charges a brokerage/finder fee that exceeds 2% of the total loan amount. Under the Tennessee Rules and
Regulations, brokerage fee is synonymous with finder fee.		    
xx 93241754 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 93241754 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 93241754 xx 561 561-882 xx Non-QM QC Complete Virginia xx Valuation Property Active B * Property is Manufactured Housing (Lvl 4) As per appraisal report dated xx/xx/xxxx located at “xx”, the subject property type is manufactured home. Neither VIN# has been listed in the mortgage legal description nor Alta 7 endorsement for Manufactured home was found in the final title policy. No affidavit of affixation was found in the loan file. The exterior property assessment report dated xx/xx/xxxx states, the subject property type is manufactured home.
The tax certificate along with updated title report shows, there is a separate value for building and land.
Unable to determine whether the home has been attached with the permanent foundation.		    
xx 93241754 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final loan application is missing from the loan file.    
xx 93241754 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file; however, the values are updated as per ‘xx”.    
xx 93241754 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by the borrower.    
xx 93241754 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider document is missing from the loan file.    
xx 93241754 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The notice of servicing transfer disclosure is missing from the loan file.    
xx 93241754 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Virginia State. The following required state disclosures are missing from the loan file.
1.VA Application Disclosure
2.Choice of Settlement Agent Disclosure
3.Disclosure of Charges for Appraisal or Valuation
4.Copy of Appraisal or Statement of Appraised Value		    
xx 78405347 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 78405347 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 78405347 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 78405347 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 78405347 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final Application is missing from the loan file.    
xx 78405347 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 78405347 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 78405347 xx 561 561-882 xx Non-QM QC Complete California xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The available comments history is from xx/xx/xxxx toxx/xx/xxxx; however, we require last 24 months comments history; hence, the comments history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 78405347 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in the state of CA. The following required state disclosures are missing from the loan file.
Impound Account Disclosure, Cosigner Notice, Private Mortgage Insurance Disclosure, Earthquake Disclosure forCondominiums, Insurer RecommendationDisclosure, Anti-Tying Disclosure, Privacy Notice, Application for Credit-Married Persons, Fair Debt Collection Notice, Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application.		    
xx 92413844 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 92413844 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 92413844 xx 561 561-882 xx Non-QM QC Complete Ohio xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 92413844 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 92413844 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 92413844 xx 561 561-882 xx Non-QM QC Complete Ohio xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan file.    
xx 92413844 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Collection comments are available from xx/xx/xxxx toxx/xx/xxxx which are incomplete as we required for recent 24 months. Collection comments are missing formxx/xx/xxxx to xx/xx/xxxx.    
xx 92413844 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase Risk Indicator is Moderate due to this loan failed the TILA APR test.    
xx 92413844 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application is missing from the loan file.    
xx 92413844 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 92413844 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow account disclosure is missing from the loan file.    
xx 92413844 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers are missing from the loan file.    
xx 92413844 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of service transfer is missing from the loan file.    
xx 92413844 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing in the loan file.    
xx 92413844 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Ohio. The following state disclosures are missing from the loan file.
1)Equal Credit Availability Notice
2)Insurance Tying Disclosure
3)Non-Deposit Insurance Disclosure		    
xx 92413844 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA APR test. Final TIL is missing, hence APR is taken 0.000%, Comparison Data 8.056% and Variance 8.056%    
xx 38289505 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 38289505 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 38289505 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 2) xx    
xx 38289505 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Collection comments are available from xx/xx/xxxx toxx/xx/xxxx. We require the latest 24 months servicing comments. However, servicing comments are missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 38289505 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase risk indicator shows moderate due to TILA APR Test failed.    
xx 38289505 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) ComplianceEase state regulations test failed due to Prohibited Fees Test.  

This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test. ( N.J.S.A. §17:11C-23, N.J.A.C. § §3:1-16.2 )
The loan does charge fee(s) not provided for in this act, which is prohibited.
A person licensed as a mortgage broker shall have the right to charge only the following fees: (1) application fee; and (2) discount points which may be labeled as an origination fee.		    
xx 38289505 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
xx 38289505 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 38289505 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 38289505 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from the loan file.    
xx 38289505 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 38289505 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) The chain of assignment has not been completed. The current assignment is from xx.    
xx 38289505 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in New Jersey state. The following state disclosures are missing in the loan file.
NJ Attorney Disclosure
Unacceptability of Insurance Notice
Attorney Disclosure II
Tax Bill Information
Private Well Testing
Choice of Insurer Disclosure
Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 38289505 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA APR test. ( 12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4) )
The annual percentage rate (APR) is 6.648%. The disclosed APR of 0.000% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.		    
xx 22162795 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 22162795 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 22162795 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Application Missing (Lvl 2) "Final loan application / 1003 is missing from the loan file."    
xx 22162795 xx 561 561-882 xx Non-QM QC Complete Texas xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report at the time of loan origination is missing from loan file.    
xx 22162795 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) CE risk indicator is "Moderate".
This loan failed the TILA APR test.		    
xx 22162795 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) CE TILA Test Failed.
This loan failed the TILA APR test.
 This loan failed the TILA APR test.
The annual percentage rate (APR) is 9.599%. The disclosed APR of 0.000% is not considered accurate because it is more than
1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.		    
xx 22162795 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from loan file.    
xx 22162795 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider is missing from loan file.    
xx 22162795 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer is missing from loan file.    
xx 22162795 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from loan file.    
xx 22162795 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from loan file.    
xx 22162795 xx 561 561-882 xx Non-QM QC Complete Texas xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) The assignment is missing from lender/ Assignor, xx.    
xx 22162795 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) xx     
xx 1430364 xx 561 561-882 xx Non-QM QC Complete Texas xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) According to the updated title report dated xx/xx/xxxx, the chain of assignment has not been completed. The last assignment was done from xx which was recorded on xx.
However, there is a break in the chain of assignment which was made between xx.		    
xx 1430364 xx 561 561-882 xx Non-QM QC Complete Texas xx NPL General Active B * Water/Sewer Taxes (Lvl 3) According to the review of the updated title report dated xx/xx/xxxx, the utilities charge of the year xx are delinquent in  the amount ofxx.    
xx 1430364 xx 561 561-882 xx Non-QM QC Complete Texas xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal report is missing from the loan file.    
xx 1430364 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final loan application is missing from the loan file.    
xx 1430364 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 1430364 xx 561 561-882 xx Non-QM QC Complete Texas xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 1430364 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider document is missing from the loan file.    
xx 1430364 xx 561 561-882 xx Non-QM QC Complete Texas xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The loan has been modified twice since origination. The first loan modification was made on xx. The borrower is making payments as per second loan modification which was made on xx. According to the modified terms, the new principal balance is $xx. The amount of $xx of the new principal balance shall be considered as deferred principal balance. In addition, there is a deferred principal reduction amount of $xx which shall be forgiven by the lender. If the borrower is in default on new payments to the extent that three or more monthly payments become overdue and unpaid on the last day of any month, then the servicer shall forgive one-third of the outstanding portion of the deferred principal balance on each of the first, second and third anniversaries of xx and the interest bearing will be $xx.
As per the tape data of payment history, the deferred balance reflected is in the amount $xx		    
xx 1430364 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The notice of servicing transfer disclosure is missing from the loan file.    
xx 1430364 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) xx     
xx 1430364 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
xx 4623098 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 4623098 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 4623098 xx 561 561-882 xx Non-QM QC Complete Texas xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal report is missing from the loan file.    
xx 4623098 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 4623098 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) LTV is xx  which is greater than xx hence MI certificate is required; however, it is missing from the loan file.    
xx 4623098 xx 561 561-882 xx Non-QM QC Complete Texas xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) The chain of assignment has been not completed. Currently, the assignment is from xx.    
xx 4623098 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Application Missing (Lvl 2) The final application is missing from the loan file.    
xx 4623098 xx 561 561-882 xx Non-QM QC Complete Texas xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) The final HUD-1 is available in the loan file; however, it is not signed by borrower.    
xx 4623098 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) The final TIL is missing from the loan file.    
xx 4623098 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider document is missing from the loan file.    
xx 4623098 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The notice of servicing transfer disclosure is missing from the loan file.    
xx 4623098 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
xx 4623098 xx 561 561-882 xx Non-QM QC Complete Texas xx Valuation Valuation Active B * Property Damage (Lvl 3) The servicing comment dated xx/xx/xxxx, shows that the FEMA disaster had occurred in taxes due to hurricane xx which started on xx/xx/xxxx and ended on xx/xx/xxxx. The comment dated xx/xx/xxxx, shows the loss amount is $12,052. As per comment dated xx/xx/xxxx, the MI coverage was been canceled. As per commend dated xx/xx/xxxx, the type of loss is wind or hail damage for the amount of $9,392.58. The comment dated xx/xx/xxxx, shows that the 65% of the repairs are pending. The bedroom ceiling and living the room door.  Comment dated xx/xx/xxxx shows that the roof damage has been 100% repaired. The amount of $4,400 was requested for disburstment also, the check was approved for the amount of $4,400.00. Collection comment dated xx/xx/xxxx shows $4,400 which were to be disbursed was approved. As per comment dated xx/xx/xxxx, the inside home has been fully repaired.    
xx 4623098 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) xx     
xx 4623098 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the late fees test : loan data 6.000% Comaprison data 5.000% Variance +1.000%
This loan failed the prepayment term test : loan data 36 Months, Comaprison data 0 Months, Variance 36 Months.		    
xx 4623098 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA APR test : loan data 0.000%, Comparison data 12.554%, Variance-12.554%.    
xx 4623098 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA APR test
The annual percentage rate (APR) is 12.554%. The disclosed APR of 0.000% is not considered accurate because it is more than
1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.
This loan failed the late fees test.
The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is
located.
This loan failed the prepayment term test.
The loan has a prepayment term that does not conform to the requirements for the lender's license type in the state where the
property is located.		    
xx 29510912 xx 561 561-882 xx Non-QM QC Complete Mississippi xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 29510912 xx 561 561-882 xx Non-QM QC Complete Mississippi xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 29510912 xx 561 561-882 xx Non-QM QC Complete Mississippi xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 29510912 xx 561 561-882 xx Non-QM QC Complete Mississippi xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business disclosure is missing from the loan file.    
xx 29510912 xx 561 561-882 xx Non-QM QC Complete Mississippi xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Collection comments are available from xx/xx/xxxx till xx/xx/xxxx. However, we require latest 24 months comment history. Comments are missing from xx/xx/xxxx till xx/xx/xxxx. (for 8 months)    
xx 29510912 xx 561 561-882 xx Non-QM QC Complete Mississippi xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) ComplianceEase Risk Indicator is Elevated due to GSE failed for Prepayment Penalty Term Test.
The loan charges a prepayment penalty with a term exceeding 3 years.		    
xx 29510912 xx 561 561-882 xx Non-QM QC Complete Mississippi xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service providers is missing from the loan file.    
xx 29510912 xx 561 561-882 xx Non-QM QC Complete Mississippi xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The loan modification agreement was made between “xx. The modification agreement consists of principle forgiven in the amount of $xx, which exceeds 2.00% of modification amount.    
xx 90904665 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan file.    
xx 90904665 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application is missing from the loan file.    
xx 90904665 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 90904665 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Provider Disclosure is missing from the loan file.    
xx 90904665 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index numerical value is unavailable as the supportive documents such as Loan program disclosure/Rate lock agreement/Closing instruction are missing from the loan file.    
xx 90904665 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR document is missing from the loan file.    
xx 90904665 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated Business Disclosure is missing from the loan file.    
xx 90904665 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Valuation Property Active B * Property is Manufactured Housing (Lvl 2) The appraisal report at origination is missing from the loan file but the tape reflects the subject property is Manufactured Home. VIN# is not provided on the legal of mortgage document. On final title policy, there is check box marked for ALTA-7 endorsement; however, there is no addendum for the same attached with policy. The latest BPO report dated xx/xx/xxxx located at “xx” shows the property type is manufactured home. The subject property images not provided with the BPO report. Tax report shows property type as double wide home and property assessed as separately for land and improvement.
There is one affixation document provided with updated title report; however, the APN mentioned on affixation document is xx not matching with subject property APN as the latest state tax shows that new APN of subject property is xx.  As the APN changes time to time, it seems that the property is affixed to the foundation and the affixation document has VIN#xx.		    
xx 90904665 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 90904665 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) The final HUD-1 is missing from the loan file. Also the estimated Hud-1 and  itemization are not available in the loan file.    
xx 90904665 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) The loan program disclosure is missing from the loan file.    
xx 90904665 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in North Carolina State. The following required state disclosures are missing from the loan file.
1.Amortization Schedule Disclosure
2.Credit Property Insurance Disclosure
3.Fee Agreement
4.Priority of Security Instrument Disclosure
5.Attorney Selection Disclosure		    
xx 25876403 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 25876403 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 25876403 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 25876403 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is available in the loan file but it is not hand dated by borrowers.    
xx 25876403 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow accounting disclosure is missing from the loan file.    
xx 25876403 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from the loan file.    
xx 25876403 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 25876403 xx 561 561-882 xx Non-QM QC Complete Georgia xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 25876403 xx 561 561-882 xx Non-QM QC Complete Georgia xx Data Edit Data Edit Active B * Deceased Borrower(s) (Lvl 3) According to the updated title report dated xx/xx/xxxx, the borrower,xx was deceased on xx. However, no details regarding the death certificate or probate has been found in the collection comments.

.		    
xx 25876403 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer disclosure is missing from the loan file.    
xx 95480001 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 95480001 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 95480001 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 95480001 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) Compliance fails for Prohibited Fees Test as Loan data is $123.00, Comparison data is $0.00 and Variance is +$123.00.    
xx 95480001 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Compliance fails for Prohibited Fees Test as Loan data is $123.00, Comparison data is $0.00 and Variance is +$123.00.    
xx 95480001 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan file.    
xx 95480001 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Providers Disclosure is missing from the loan file.    
xx 95480001 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of Service Transfer Disclosure is missing from the loan file.    
xx 25283621 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 25283621 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 25283621 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by borrower.    
xx 25283621 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider is missing from loan file.    
xx 25283621 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of service transfer is missing from loan file.    
xx 25283621 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from loan file.    
xx 25283621 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in GA state.
Following required state disclosure missing from loan file.:-
1. Disclosure of Additional Fees.		    
xx 16875937 xx 561 561-882 xx Non-QM QC Complete Oregon xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 16875937 xx 561 561-882 xx Non-QM QC Complete Oregon xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 16875937 xx 561 561-882 xx Non-QM QC Complete Oregon xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Acct Disclosure is missing from file.    
xx 16875937 xx 561 561-882 xx Non-QM QC Complete Oregon xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is Missing from the loan file.    
xx 16875937 xx 561 561-882 xx Non-QM QC Complete Oregon xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 16875937 xx 561 561-882 xx Non-QM QC Complete Oregon xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located at OR State. The following state disclosures are missing from the loan files.
·Oregon Forced Placed Insurance Notice
·Notice where Escrow Account is NOT Required
·Escrow Notice for Loans Sold to Out-of- State Purchases within one year
·Anti-Coercion Notice
·Insurance Premium Notice
·Insurance Sales Notice
·Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application.		    
xx 16875937 xx 561 561-882 xx Non-QM QC Complete Oregon xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA finance charge test.

This loan failed the TILA foreclosure rescission finance charge test.		    
xx 16875937 xx 561 561-882 xx Non-QM QC Complete Oregon xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA Finance Charge Test: Result: FAIL; Loan Data: $182,351.19; Comparison Data: $182,643.97; Variance: -$292.78.

TILA Foreclosure Rescission Finance Charge Test: Result: FAIL; Laon Data: $182,351.19; Comparison Data: $182,643.97; Variance: -$292.78.

This loan failed the TILA finance charge test.The finance charge is $182,643.97. The disclosed finance charge of $182,351.19 is not considered accurate because it is
understated by more than $100.

This loan failed the TILA foreclosure rescission finance charge test. The finance charge is $182,643.97. The disclosed finance charge of $182,351.19 is not considered accurate for purposes of
rescission because it is understated by more than $35.		    
xx 997616 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 997616 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 997616 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Form is missing from the loan file.    
xx 997616 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Services Providers is missing from the loan file.    
xx 997616 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 997616 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer Disclosure is missing from the loan file.    
xx 997616 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 997616 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 997616 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located at CA State. The following state disclosures are missing from the loan file.
·Impound Account Disclosure
·Cosigner Notice
·Private Mortgage Insurance Disclosure
·Earthquake Disclosure for condominiums
·Hazard Insurance Disclosure
·Insurer RecommendationDisclosure
·CA Fair Lending Notice
·Anti-Tying Disclosure
·Privacy Notice
·Notice of Right to Copy of Appraisal
·Application for Credit-Married Persons
·Fair Debt Collection Notice
·Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application.		    
xx 349131 xx 561 561-882 xx Non-QM QC Complete Utah xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 349131 xx 561 561-882 xx Non-QM QC Complete Utah xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 349131 xx 561 561-882 xx Non-QM QC Complete Utah xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) 1.The Subject property is located in Utah state. The below Required State disclosures are missing in the given loan file. Fee Disclosure
2.Loan Application Notice is located at “xx” in the loan file
3.Servicer Disclosure
4.Notice of Change of Terms For Open-End Consumer Credit Contract
5.Disclosure of Debtor’s Waiver of Class Action		    
xx 349131 xx 561 561-882 xx Non-QM QC Complete Utah xx Credit DTI Active B * DTI > 60% (Lvl 2) As per Final Application, the borrower monthly income is $2,921.97 and a monthly expense is given in the amount of $2,025.00. Hence the DTI ratio became 69.320%, which was greater than 60%.    
xx 349131 xx 561 561-882 xx Non-QM QC Complete Utah xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 349131 xx 561 561-882 xx Non-QM QC Complete Utah xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) The Initial Escrow Acct  disclosure document is missing in the given loan file.    
xx 349131 xx 561 561-882 xx Non-QM QC Complete Utah xx Modification Doc Issue Active B * Loan appears modified. Mod missing or unexecuted (Lvl 3) The loan was modified on xx. The Mod was not signed by the borrower.    
xx 349131 xx 561 561-882 xx Non-QM QC Complete Utah xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The Notice of servicing Transfer document is missing in the given loan file.    
xx 349131 xx 561 561-882 xx Non-QM QC Complete Utah xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Required Affiliated Business disclosure document is missing in the given loan file.    
xx 53111391 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 53111391 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 53111391 xx 561 561-882 xx Non-QM QC Complete Georgia xx Valuation Valuation Active B * Property Damge (Lvl 2) Collection comment dated xx/xx/xxxx states that, the dwelling has been adequately maintained and requires only minimal repairs to building components/mechanical systems and cosmetic repairs. No further details have been found.
According latest exterior BPO report dated xx/xx/xxxx, the property had damages. The estimated repairs have been noted for exterior paint in the amount of $500.00 and for siding/Trim in the amount of $2,000.00. The total cost of estimated repairs have been noted is $2,500.00.		    
xx 53111391 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan files.    
xx 53111391 xx 561 561-882 xx Non-QM QC Complete Georgia xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 53111391 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated business disclosure is missing from the loan files.    
xx 53111391 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The notice of servicing transfer disclosure is missing from the loan files.    
xx 53111391 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Georgia State. The following required state disclosures are missing from the loan file.
1.Waiver of Borrowers Rightsand Closing Attorney Affidavit (not required by law but provided as a matter of custom)
2.Disclosure of Additional Fees		    
xx 93190202 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 93190202 xx 561 561-882 xx Non-QM QC Complete New Jersey xx NPL General Active B * The property had a tax sale - property or cert was sold to 3rd party (Lvl 2) As per the updated title dated xx/xx/xxxx,the 2014 water and sewer taxes# xx.    
xx 93190202 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 2) As per the review of the updated title report, 2018 3rd installment taxes have been past due , the due date was xx  in the amount of $791.97.    
xx 93190202 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 93190202 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow acct disclosure is missing from the loan file.    
xx 93190202 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from the loan file.    
xx 93190202 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of service transfer disclosure is missing from the loan file.    
xx 93190202 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in the state of New Jersey. The following state disclosures are missing from the loan file.
1)NJ Application Disclosure
2)Delivery Fee Authorization
3)NJ Attorney Disclosure
4)Unacceptability of Insurance Notice
5)Attorney Disclosure II
6)Tax Bill Information
7)Private Well Testing
8)Lock-In Agreement
9)Commitment Disclosures
10)Choice of Insurer Disclosure and Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application.		    
xx 59343025 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 59343025 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 59343025 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 2) Updated title report dated on xx/xx/xxxx states that there is delinquent taxes is found for the year xx in the amount of $600.74 which was recorded on xx    
xx 59343025 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Compliance Ease Risk Indicator is moderate as the loan is failing for TILA Finance Charge Test::  Charged $236,815.65  Allowed $237,747.65 Over By -$660.00.
Compliance Ease Risk Indicator is moderate as the loan is failing for TILA foreclosure rescission finance charge test.		    
xx 59343025 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from file.    
xx 59343025 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of service transfer disclosure is missing from loan file.    
xx 59343025 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from file.    
xx 59343025 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 59343025 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 59343025 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) )
The finance charge is $237,475.65. The disclosed finance charge of $236,815.65 is not considered accurate because it is
understated by more than $100.
This loan failed the TILA foreclosure rescission finance charge test. ( 12 CFR §1026.23(h) , transferred from 12 CFR
§226.23(h) )
The finance charge is $237,475.65. The disclosed finance charge of $236,815.65 is not considered accurate for purposes of
rescission because it is understated by more than $35.		    
xx 43532277 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 43532277 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 43532277 xx 561 561-882 xx Non-QM QC Complete Virginia xx Data Edit Data Edit Active B * Deceased Borrower(s) (Lvl 3) According to collection comments, the xx (borrower) has been deceased on xx.
Will deed dated xx/xx/xxxx is available located at 'xx'. As per affidavit recorded on xx located at xx which shows that estate was transferred to xx. However, no death certificate have been found in the loan file.		    
xx 43532277 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Collection comments are available from xx/xx/xxxx toxx/xx/xxxx which are incomplete as we required for recent 24 months. Collection comments are missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 43532277 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Title Review Active B * Title Rvw shows prop. owner of record is not borr. (Lvl 2) xx    
xx 43532277 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by borrower.    
xx 43532277 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider is missing from loan file.    
xx 92861765 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 92861765 xx 561 561-882 xx Non-QM QC Complete Washington xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal report is missing from the loan file.    
xx 92861765 xx 561 561-882 xx Non-QM QC Complete Washington xx Valuation Property Active B * Property is Mobile Home (Lvl 2) Appraisal Report at the origination is missing in the loan file. However, the tape is reflecting subject property is Single family.
The final title policy does not show Alta 7 endorsement for Mobile Home Unit. Affidavit of Affixation was not found in the loan file. However, as per the updated title report dated xx/xx/xxxx, The VIN# is available (VIN#xx). The Tax report from the Updated title shows single assessment for Land and Improvement.		    
xx 92861765 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application is missing from the loan file.    
xx 92861765 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1/settlement statement and itemization of fees are missing from the loan file.    
xx 92861765 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 92861765 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Required state disclosure missing from the loan file on the below.
1.Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application.
2.Choice of Insurance Notice.
3.Mortgage Loan Servicing Disclosure.		    
xx 92861765 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) Right of rescission is missing from the loan file.    
xx 2832550 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 2832550 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 2832550 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Valuation Active B * Property Damage (Lvl 3) Collection comment dated xx/xx/xxxx shows that the subject property has damages in the amount of $10,000.00 or more. There is no comment stating that the damages had been repaired or not. Latest inspection report available dated xx/xx/xxxx located at (xx) shows estimated cost of repairs in the amount of $2,000 for exterior paint.    
xx 2832550 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) COmplianceEase risk indicator is moderate as the loan is failing for TILA Finance Charge Test and TILA APR Test.    
xx 2832550 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Valuation Active B *  Property value crammed down (Lvl 4) xx     
xx 2832550 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) The Initial Escrow Account Disclosure is missing from the loan file.    
xx 2832550 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The List of Service Provider Disclosure is missing from the loan file.    
xx 2832550 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The property is located in state of Florida. The following required State Disclosure is missing in the loan file.
1. Anti-Coercion Notice
2.Radon Gas Disclosure
3.Insurance Sales Disclosure		    
xx 2832550 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The Servicing Transfer disclosure is missing from the loan file.    
xx 2832550 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test as;
TILA Finance Charge Test: FAIL $131,695.36 $193,637.87 -$61,942.51.
The finance charge is $193,637.87. The disclosed finance charge of $131,695.36 is not considered accurate because it is
understated by more than $100.
This loan failed the TILA APR test as;
TILA APR Test: FAIL 7.708% 13.804% -6.096%
The annual percentage rate (APR) is 13.804%. The disclosed APR of 7.708% is not considered accurate because it is more than
1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.		    
xx 25256159 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 25256159 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 25256159 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider is missing from the loan file.    
xx 25256159 xx 561 561-882 xx Non-QM QC Complete Florida xx Data Edit Data Edit Active B * Foreclosure Delay or Contested (Lvl 3) The latest comment dated xx/xx/xxxx state that the contested matter identified and approved.  No further comment found regarding contested/litigated matter hence unable to verify that the contested/litigated matter is resolved or not.    
xx 74404414 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 74404414 xx 561 561-882 xx Non-QM QC Complete Alabama xx NPL General Active B * Describe the BK payment plan (Lvl 2) xx    
xx 74404414 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit DTI Active B * DTI > 60% (Lvl 2) According to the application document the monthly income of the borrower is in the amount of xx and the debt is in the amount of $27,364.37 which shows that the debts are more than the xx%.    
xx 74404414 xx 561 561-882 xx Non-QM QC Complete Alabama xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal document is missing from the loan file.    
xx 74404414 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider disclosure is missing from the loan file    
xx 74404414 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA Finance Charge Test:  Loan Data:$273,681.42 Comparison Data:$273,798.30 Variance:-$116.88
This loan failed the TILA finance charge test.
The finance charge is $273,798.30. The disclosed finance charge of $273,681.42 is not considered accurate because it is
understated by more than $100.

TILA Foreclosure Rescission Finance Charge Test::  Loan Data:$273,681.42 Comparison Data:$273,798.30 Variance:-$116.88
This loan failed the TILA foreclosure rescission finance charge test.
The finance charge is $273,798.30. The disclosed finance charge of $273,681.42 is not considered accurate for purposes of
rescission because it is understated by more than $35.		    
xx 74404414 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) TILA Finance Charge Test:  Loan Data:xx Comparison Data:xx Variance:-$116.88
This loan failed the TILA finance charge test.
The finance charge is xx. The disclosed finance charge of xx is not considered accurate because it is
understated by more than $100.

TILA Foreclosure Rescission Finance Charge Test::  Loan Data:xx Comparison Data:xx Variance:-$116.88
This loan failed the TILA foreclosure rescission finance charge test.
The finance charge is xx. The disclosed finance charge of xx is not considered accurate for purposes of
rescission because it is understated by more than $35.		    
xx 52601141 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 52601141 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 52601141 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx NPL General Active B * Water/Sewer Taxes (Lvl 3) According to the review of the updated title report dated xx/xx/xxxx, the utilities charge of the year xx are delinquent in  the amount ofxx.    
xx 52601141 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Form is missing from the loan file.    
xx 52601141 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Acct Disclosure is missing from the loan file.    
xx 52601141 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Servicer Provider is missing from the loan file.    
xx 52601141 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing Transfer Document is missing from the loan file.    
xx 52601141 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Legal Docs Doc Issue Active B * Title policy missing (Lvl 3) The Final title Policy is missing in the loan file. However, the commitment was found in the loan file located at " xx".    
xx 52601141 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA foreclosure rescission finance charge test.
The finance charge is $57,461.15. The disclosed finance charge of $57,415.81 is not considered accurate for purposes of
rescission because it is understated by more than $35.
This loan failed TILA Foreclosure Rescission Finance Charge Test: Loan Data $57,415.81 Comparison Data $57,461.15  Variance -$80.34.		    
xx 52601141 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA foreclosure rescission finance charge test.
This loan failed TILA Foreclosure Rescission Finance Charge Test: Loan Data $57,415.81 Comparison Data $57,461.15  Variance -$80.34.		    
xx 85294445 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 85294445 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 85294445 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 85294445 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Valuation Valuation Active B * Property Damage (Lvl 3) As per the servicing comment dated xx/xx/xxxx, The subject property had water damage, Hence. it needs to be repaired, The estimated amount of repair was $9,406.98. However, no further details have been found related to repair. As per the latest property inspection report dated xx/xx/xxxx, the subject property is in good condition. There are no comments related to damage to the subject property. ("xx")    
xx 85294445 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application/1003 is missing from the loan file.    
xx 85294445 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service disclosure  is missing from the loan file.    
xx 85294445 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The Subject property is located in Louisiana (LA) state. The below Required State disclosures are missing in the given loan files. 
1] Authorization Fees, Charges and Expenses for Federally Related Mortgage Loans.
2] Anti-Tying Disclosure.
3] Financial Institution Choice of Insurance Disclosure.		    
xx 64724345 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 64724345 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Doc Issue Active B * Good Faith Estimate missing or unexecuted (Lvl 2) Final Good Faith Estimate is missing from the loan file.    
xx 64724345 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Doc Issue Active B * Initial Good Faith Estimate is Missing (Lvl 2) Initial Good Faith Estimate is missing from the loan file.    
xx 64724345 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Doc Issue Active B * Initial Truth in Lending Disclosure is Missing (Lvl 2) Initial Truth lend ign is missing from the loan file.    
xx 64724345 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider disclosure is missing from the loan file.    
xx 64724345 xx 561 561-882 xx Non-QM QC Complete Washington xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Final Appraisal report is missing from the loan.    
xx 64724345 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 64724345 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Washington State and the WA state requires total 5 disclosures all are missing from the loan file.
1)Construction Lien Disclosure
2)Mortgage Loan Servicing Disclosure
3)Choice of Insurance Notice
4)Purchase Money Residential Mortgage Loan Closing Valuation Disclosure
5)Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 64724345 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) This loan failed the maximum LTV test due to one or more of the following findings: (Freddie Mac Bulletin 2011-4)
The loan-to-value (LTV) ratio is greater than 95%.
The combined loan-to-value (CLTV) ratio is greater than 95%.
Freddie Mac will not purchase a conventional mortgage with a LTV ratio or CLTV ratio greater than 95%.

The Appraisal is missing from the loan file; hence the appraised valor is entered as loan amount.		    
xx 37322703 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 37322703 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 37322703 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Title Review Active B * Title Rvw shows prop. owner of record is not borr. (Lvl 2) xx    
xx 37322703 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The comment history is available from xx/xx/xxxx toxx/xx/xxxx. However, we require the latest 24 months comment history. The comment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 37322703 xx 561 561-882 xx Non-QM QC Complete Ohio xx Data Edit Data Edit Active B * Litigation (Lvl 3) The foreclosure was initiated. The referred to an attorney filed on xx for additional fees. No further details are not found regarding litigation resolve or not. Latest collection comment does not reflect regarding litigation matter. No further details are found.    
xx 37322703 xx 561 561-882 xx Non-QM QC Complete Ohio xx Data Edit Data Edit Active B * Foreclosure Delay or Contested (Lvl 2) The foreclosure was initiated. The referred to an attorney filed on xx. As per the comment dated xx/xx/xxxx, the contested matter was initiated. The borrower filed contested for additional fees. The comment dated xx/xx/xxxx contested matter was resolved. No further details are found.    
xx 37322703 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider document is missing from the loan file.    
xx 37322703 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The notice of servicing transfer disclosure is missing from the loan file.    
xx 37322703 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
xx 37322703 xx 561 561-882 xx Non-QM QC Complete Ohio xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 37322703 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The Subject property is located in Ohio state. The below Required State disclosures are missing in the given loan file.
1.Equal Credit Availability Notice
2.Insurance Tying Disclosure
3.Non-Deposit Insurance Disclosure		    
xx 22263687 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 22263687 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 22263687 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) According to the updated title report dated xx/xx/xxxx, there is an IRS lien against the borrower in the amount of $xx in the favor of xx prior to the subject mortgage.  The subject property located in "PA" state and there can be a possibility of foreclosure due to this non mortgage unpaid lien. This can be cured by paying of the liens and late charges (if any)    
xx 22263687 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 22263687 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 22263687 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing Transfer disclosure is missing from the loan file.    
xx 22263687 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) xx    
xx 90428856 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 90428856 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure missing from loan file.    
xx 90428856 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Valuation Property Active B * Property Damage (Lvl 2) As per servicing comments dated xx/xx/xxxx shows that the dwelling has been adequately maintained and requires only minimum repairs to building components/mechanical systems and cosmetic repairs. No damages amount or any further details have been found.    
xx 90428856 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Data Edit Data Edit Active B * Written or verbal dispute (Lvl 2) Comment dated xx/xx/xxxx states that borrower was disputing for fees. Comment dated xx/xx/xxxx states that issue has been resolved regarding fees/cost. No further details have been found.    
xx 90428856 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase Risk Indicator is"Moderate" due to:
This loan failed the TILA finance charge test.
This loan failed the TILA foreclosure rescission finance charge test.		    
xx 90428856 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Following state disclosure are missing from the loan file which are required in Massachusetts state.
Lead-Based Paint Disclosure
Carbon Monoxide Alarms		    
xx 90428856 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Other Disclosures Active B * Missing Required Disclosures (Lvl 2) List of Service Providers Disclosure missing from loan file.    
xx 90428856 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test. Loan data is $88,456.68, Comparison data is $88,801.68 and variance is $345.00.
This loan failed the TILA foreclosure rescission finance charge test. Loan data is $88,456.68, Comparison data is $88,801.68 and variance is $345.00.		    
xx 51269198 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 51269198 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 51269198 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan file.    
xx 51269198 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase Risk Indicator is Moderate due to loan failed the TILA finance charge test.    
xx 51269198 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final Application is missing from the loan file    
xx 51269198 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by borrower .    
xx 51269198 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Provider disclosure is missing from the loan file.    
xx 51269198 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated Business Disclosure document is missing from the loan file.    
xx 51269198 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The Service transfer disclosure document is missing from the loan file."    
xx 51269198 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) xx    
xx 51269198 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in the North Carolina state. The following state disclosures are missing from the loan file:
1 Amortization Schedule Disclosure
2  Credit Property Insurance Disclosure
3 Fee Agreement
4 Priority of Security Instrument Disclosure
5 Attorney Selection Disclosure		    
xx 51269198 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 51269198 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test. Loan Data is $102,293.85, Comparison data is $102,516.53 and variance is $222.68.    
xx 93269546 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 93269546 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Valuation Property Active B * Property Damage (Lvl 2) Collection comment date xx/xx/xxxx shows that borrower had filed hazard claim. The claim amount is $4,493.03. Need completion certificate when repairs are made.
Available BPO report dated xx/xx/xxxx shows that there is no damage to subject property. Collection comment dated xx/xx/xxxx shows that subject property is in average condition and needs some deferred maintenance and physical deterioration due to normal wear and tear. The dwelling has been adequately maintained and requires only minimal repairs to building components/mechanical systems and cosmetic repairs. All major building components have been adequately maintained.  C4 condition assessment was confirmed for BPO . No nature of damage or amount of damage has been mentioned nor certification of completed repairs had been found.		    
xx 93269546 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase risk indicator is moderate as the loan is failing for Pennsylvania license validation test.    
xx 93269546 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan file.    
xx 93269546 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from the loan file.    
xx 93269546 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing Transfer Document is missing from the loan file.    
xx 93269546 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Credit Active B * Additional Address Noted (Lvl 2) There is a difference between property address of note/mortgage and certificate of property tax. Original note and mortgage shows property address as "xx"    
xx 93269546 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * ComplianceEase Exceptions Test Failed (Lvl 2) This loan failed the Pennsylvania license validation test. (PA HB 2179 Section 6111).The Pennsylvania HB 2179 requires non-exempt mortgage lenders engaged in the business of making mortgage loans to be licensed, effective November 5th, 2008.The Pennsylvania Mortgage Lender License and Pennsylvania Exemption Letter (Mortgage Act) are not available for loans with a closing date before November 5th, 2008.    
xx 72024610 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 72024610 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 72024610 xx 561 561-882 xx Non-QM QC Complete Arizona xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 72024610 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit DTI Active B * DTI > 60% (Lvl 2) According to the final application, the monthly income is xx and the total monthly expenses are $2,371.21. Hence, the DTI is greater than xx.    
xx 72024610 xx 561 561-882 xx Non-QM QC Complete Arizona xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 72024610 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from loan file.    
xx 72024610 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase risk indicator is Moderate as TILA Finance Charge Test Failed    
xx 72024610 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from loan file.    
xx 72024610 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Other Disclosures Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from loan file.    
xx 72024610 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer disclosure is missing from loan file.    
xx 72024610 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA Finance Charge Test: FAIL, Loan Data: $387,226.20, Comparison Data:$387,594.17 & Variance: -$367.97.
This loan failed the TILA finance charge test.		    
xx 48226044 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 48226044 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 48226044 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 48226044 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business form document is missing from the loan file.    
xx 48226044 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan file.    
xx 48226044 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Data Edit Data Edit Active B * Deceased Borrower(s) (Lvl 3) According to the updated title report dated xx/xx/xxxx, the borrower,xx was deceased on xx. However, no details regarding the death certificate or probate has been found in the collection comments.

.		    
xx 48226044 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase Risk Indicator is Moderate due to:
This loan failed the TILA finance charge test.
This loan failed the TILA foreclosure rescission finance charge test.		    
xx 48226044 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by borrower.    
xx 48226044 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Acct disclosure is missing from the loan file.    
xx 48226044 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service providers document is missing from the loan file.    
xx 48226044 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 48226044 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing Transfer document is missing from the loan file.    
xx 48226044 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Credit Active B * HUD-1 Closing Statement missing or unsigned (Lvl 3) The illegible copy is available however the  final HUD-1 is locator at"xx".the same document is considered to check compliance.    
xx 48226044 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject mortgage located in Massachusetts , However, the following state disclosure are missing from the loan file.
·Lead-Based Paint Disclosure
·Mortgage Loan Application Disclosure
·Carbon Monoxide Alarms
·MA Smoke Detector Certificate
·Notice of the Specific Reason for Denial of Credit
·Demonstration and Documentation of Compliance with Borrower’s Interest Requirement		    
xx 48226044 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA Finance Charge Test: Loan Data $130,059.67 Comparison Data $130,715.70 Variance -$656.03
This loan failed the TILA finance charge test. Loan Data $130,059.67 Comparison Data $130,715.70 Variance -$656.03		    
xx 83224114 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business form document is missing from the loan file.    
xx 83224114 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 is missing from the loan file. Estimated HUD-1 or itemization of points and fees are also not available in the loan file.    
xx 83224114 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 83224114 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Legal Docs Doc Issue Active B * Missing Title evidence (Lvl 4) Final Title policy is missing from the loan file. Title commitment or preliminary report are also not available in the loan file.    
xx 83224114 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service providers document is missing from the loan file.    
xx 83224114 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure document is missing from the loan file.    
xx 83224114 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Valuation Property Active B * Property Damage (Lvl 2) The comment history dated xx/xx/xxxx shows that, the property has some damage. No evidence has been found stating the amount of damage and nature of damage.    
xx 83224114 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to calculate operative index value from the loan file.    
xx 60533880 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) An affiliated business disclosure is missing from the loan file.    
xx 60533880 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) An operative index value is unable to confirmed from the lenders provided documents.    
xx 60533880 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Title Review Active B * Active State Tax Lien Judgement. (Lvl 2) As per updated title report dated xx/xx/xxxx, there are 5 state tax liens against the borrower. 1st was recorded on xx.    
xx 60533880 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 60533880 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 60533880 xx 561 561-882 xx Non-QM QC Complete Georgia xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 60533880 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) The Final HUD-1 is missing from the loan file. Neither Estimated HUD-1 nor Itemization is available in the loan file.    
xx 60533880 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) The Final TIL is missing from the loan file.    
xx 60533880 xx 561 561-882 xx Non-QM QC Complete Georgia xx Legal Docs Doc Issue Active B * Missing Title evidence (Lvl 4) The Final Title Policy is missing from the loan file. Neither commitment nor preliminary policy is available in the loan file.    
xx 60533880 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) The loan program disclosure is missing from the loan file.    
xx 60533880 xx 561 561-882 xx Non-QM QC Complete Georgia xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The loan was modified on xx. As per balloon addendum to loan modification agreement located at xx, the  lender agreed to immediately forgive an amount equal to $xx which exceeds 2.00% of modified amount. However, the new principal balance is not affected by the adjustment.    
xx 60533880 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in the Georgia state. The following state disclosures are missing from the loan file:

1.Waiver of Borrowers Rights and Closing Attorney Affidavit (not required by law but provided as a matter of custom)
2.Disclosure of Additional Fees		    
xx 78655346 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 78655346 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 78655346 xx 561 561-882 xx Non-QM QC Complete Michigan xx Valuation Property Active B * Property Damage (Lvl 2) According to the collection comment dated xx/xx/xxxx, the borrower has states that the reason for the default is to do repairs of the property. The one time draft in the amount of $1425.73 is transferred to the borrower through the agent. The collection comment dated xx/xx/xxxx states that the basement of the property was damaged due to the flood. But the borrower has no funds to repair. According to the collection comment dated xx/xx/xxxx, the borrower wants to make the home repairs and need the fund of $1,366.64. However; the Safeguard report conducted by the xx" shows the property is in average condition with no visible exterior damages. Further details regarding the damage are not available. Hence; unable to confirm whether the damages are repaired or not.    
xx 78655346 xx 561 561-882 xx Non-QM QC Complete Michigan xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 78655346 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 78655346 xx 561 561-882 xx Non-QM QC Complete Michigan xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) The loan is conventional and the LTV is xx. Hence; the MI certificate is required. However; the MI certificate is missing from the loan file.    
xx 78655346 xx 561 561-882 xx Non-QM QC Complete Michigan xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The Loan Modification agreement was made on an effective date of xx. The borrower had given promise to pay the UPB of $xx. There is balloon Addendum to the loan modification which state that lender agrees to immediately forgive an amount equal to $xx which exceeds the 2% of modification amount.    
xx 78655346 xx 561 561-882 xx Non-QM QC Complete Michigan xx Legal Docs Note / Mod Active B * Lost Note Affidavit (Lvl 3) The lost note affidavit is available in the loan file located at "xx'". The original note may be lost, destroyed or damaged. However; the scanned copy of the original note is available in the loan file.    
xx 78655346 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located at "MI" state and this state requires following disclosures and all are missing from the loan file.
MI Borrower's Bill of Rights
MI Consumer Caution and Homeownership Counseling Notice
Choice of Insurance Agent		    
xx 19721665 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 19721665 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 19721665 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 19721665 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report at the time of origination of the loan is missing from the loan file.    
xx 19721665 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of service transfer disclosure is missing from the loan file.    
xx 19721665 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 19721665 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 19721665 xx 561 561-882 xx Non-QM QC Complete California xx Data Edit Data Edit Active B * Deceased Borrower(s) (Lvl 3) According to the updated title report dated xx/xx/xxxx, the borrower,xx was deceased on xx. However, no details regarding the death certificate or probate has been found in the collection comments.

.		    
xx 19721665 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The loan modification agreement was made on xx with the unpaid principal balance of $xx out of which lender permanently forgiven the amount of $xx; the remaining principal balance of $xx would be the new principal balance.    
xx 19721665 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) The loan program disclosure is missing a loan file.    
xx 19721665 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Active State Tax Lien Judgement. (Lvl 2) There is an active junior State Tax Lien is available in the updated title report against xx.    
xx 7962852 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Form Disclosure  is missing from the loan file.    
xx 7962852 xx 561 561-882 xx Non-QM QC Complete Georgia xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan file.    
xx 7962852 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application along with transmittal is missing from the loan file.    
xx 7962852 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 is missing from the loan file. Also, there is no estimated HUD-1 or itemizations are available in the loan file.    
xx 7962852 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 7962852 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan file.    
xx 7962852 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider is missing from the loan file.    
xx 7962852 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing Transfer Document is missing from the loan file.    
xx 87257932 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 87257932 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 87257932 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
xx 87257932 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * Not all borrowers signed TIL (Lvl 2) Final TIL is not signed by the borrower.    
xx 87257932 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service providers  is missing from the loan file.    
xx 87257932 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The notice of servicing transfer disclosure is missing from the loan file.    
xx 87257932 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) xx     
xx 87257932 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 87257932 xx 561 561-882 xx Non-QM QC Complete Illinois xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) The chain of assignment is incomplete as there is a break in chain of assignment from xx to xx.    
xx 40179664 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 40179664 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 40179664 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated Business Disclosure is missing from the loan file.    
xx 40179664 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Credit Active B * HUD-1 Closing Statement missing or unsigned (Lvl 3) The final HUD-1 is available in the loan file. However, some points and fees are handwritten.    
xx 40179664 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) The Final TIL is not hand dated by the borrower.    
xx 40179664 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The List of Service Provider Disclosure is missing from the loan file.    
xx 40179664 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) The ROR is not hand dated by the borrower.    
xx 40179664 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in the New York state. The following state disclosures are missing from the loan file:

1.NY Consumer Credit Disclosure / Fair Credit Reporting Notice
2.NY Interest Rate Disclosure
3.NY Hazard Insurance  Disclosure
4.Mortgage Bankers and Exempt Organizations Preapplication
5.Part 80 Disclosure
6.Alternative Mortgage Transaction Disclosures
7.Co-Signer Notice Requirements
8.Default Warning Notice
9.Smoke Alarm Affidavit
10.New York Real Property Escrow Account Disclosure
11.Subprime Home Loan Counseling Disclosure
12.Subprime Home Loan Tax and Insurance Payment Disclosure
13.Subprime Home Loan Disclosure
14.Commitment Disclosure
15.Lock-in Disclosure
16.Expiration of Lock-in or Commitment Period		    
xx 60398170 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 60398170 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 60398170 xx 561 561-882 xx Non-QM QC Complete New York xx Data Edit Data Edit Active B * Litigation (Lvl 3) As per the comment dated xx/xx/xxxx, the foreclosure was put on hold due to litigation. Further details of litigation issue not provided. According to comment dated xx/xx/xxxx FC was still on hold for litigation issue.    
xx 60398170 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 60398170 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer document is missing from the loan file.    
xx 60398170 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Credit Active B * HUD-1 Closing Statement missing or unsigned (Lvl 3) The final HUD-1 is available in the loan file; however, few of the points and fees are hand written.    
xx 60398170 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The following state disclosures are missing from the loan file.
1.NY Consumer Credit Disclosure / Fair Credit Reporting Notice
2.NY Interest Rate Disclosure
3.NY Hazard Insurance  Disclosure
4.Tax Escrow Account Designation
5.Mortgage Bankers and Exempt Organizations Preapplication
6.Part 80 Disclosure
7.Alternative Mortgage Transaction Disclosures
8.Co-Signer Notice Requirements
9.Default Warning Notice
10.Smoke Alarm Affidavit
11.New York Real Property Escrow Account Disclosure
12.Subprime Home Loan Counseling Disclosure
13.Subprime Home Loan Tax and Insurance Payment Disclosure
14.Subprime Home Loan Disclosure
15.Commitment Disclosure
16.Lock-in Disclosure
17.Expiration of Lock-in or Commitment Period		    
xx 88172672 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 88172672 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 88172672 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 is available in the loan file located at “xx”. However, some points and fees are hand written. The same document is considered to check compliance test.    
xx 88172672 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
xx 88172672 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider document is missing from the loan file.    
xx 88172672 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in New York State. The following state disclosures are missing from the loan file.
1.NY Consumer Credit Disclosure / Fair Credit Reporting Notice
2.NY Interest Rate Disclosure
3.NY Hazard Insurance  Disclosure
4.Tax Escrow Account Designation
5.Mortgage Bankers and Exempt Organizations Preapplication
6.Part 80 Disclosure
7.Alternative Mortgage Transaction Disclosures
8.Co-Signer Notice Requirements
9.Default Warning Notice
10.Smoke Alarm Affidavit
11.New York Real Property Escrow Account Disclosure
12.Subprime Home Loan Counseling Disclosure
13.Subprime Home Loan Tax and Insurance Payment Disclosure
14.Subprime Home Loan Disclosure
15.Commitment Disclosure
16.Lock-in Disclosure
17.Expiration of Lock-in or Commitment Period		    
xx 78381515 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 78381515 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 78381515 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) CE Risk Indicator is "Moderate" as This loan failed the TILA APR test and TILA right of rescission test.
TILA APR Test: FAIL loan data:0.000% Comparison data:5.447%  variance:-5.447%.
Final TIL is missing from the loan files. However, APR updated as 0.000% hence, annual percentage rate is less than stated original rate.
ROR is missing from the loan file.		    
xx 78381515 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final Application is missing from the loan file.    
xx 78381515 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 78381515 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) Final TIL is missing from the loan files. However, APR updated as 0.000% hence, annual percentage rate is less than stated original rate. ROR is missing from the loan file.

This loan failed the TILA APR test.
The annual percentage rate (APR) is 5.447%. The disclosed APR of 0.000% is not considered accurate because it is more than
1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.

This loan failed TILA right of rescission test.
Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) ,
transferred from 12 CFR §226.15(a)(3) )
The funding date is before the third business day following consummation.
The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the
notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last.		    
xx 78381515 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow account Disclosure is missing from the loan file.    
xx 78381515 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) Missing required list of service providers    
xx 78381515 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated Business Disclosure is missing from the loan file.    
xx 78381515 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 78381515 xx 561 561-882 xx Non-QM QC Complete Maryland xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) The Appraisal Report is missing from the loan file.    
xx 78381515 xx 561 561-882 xx Non-QM QC Complete Maryland xx Valuation Property Active B * Property Damage (Lvl 2) The comment dated xx/xx/xxxx state that damages were reported to the roof and loss draft. The total estimated cost of damages is not mentioned; however, no evidence found in the comment which states whether the repair has been done. The BPO report dated xx/xx/xxxx does not reflect the damage or repair to the property.    
xx 78381515 xx 561 561-882 xx Non-QM QC Complete Maryland xx Legal Docs Doc Issue Active B * Missing Title evidence (Lvl 4) The final title policy is missing from the loan file also the commitment or preliminary policy are not available.    
xx 92754672 xx 561 561-882 xx Non-QM QC Complete Hawaii xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 92754672 xx 561 561-882 xx Non-QM QC Complete Hawaii xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 92754672 xx 561 561-882 xx Non-QM QC Complete Hawaii xx Valuation Property Active B * Property Damage (Lvl 2) According to servicing comment dated xx/xx/xxxx, disaster event (xx)  was reported. Following servicing comment dated xx/xx/xxxx states that property possiblly affected by storms and mudslides. However, details regarding the damage or repair is unavailable. Property inspection report dated xx/xx/xxxx located at "xx" reflects no damage to the proeprty.    
xx 92754672 xx 561 561-882 xx Non-QM QC Complete Hawaii xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) An affiliated business agreement disclosure is missing from the loan files.    
xx 92754672 xx 561 561-882 xx Non-QM QC Complete Hawaii xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 92754672 xx 561 561-882 xx Non-QM QC Complete Hawaii xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
xx 92754672 xx 561 561-882 xx Non-QM QC Complete Hawaii xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR document is not hand dated by the borrower.    
xx 92754672 xx 561 561-882 xx Non-QM QC Complete Hawaii xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider document is missing from the loan file.    
xx 92754672 xx 561 561-882 xx Non-QM QC Complete Hawaii xx Legal Docs Title Issue Active B * Title holder is not an individual (Lvl 2) xx     
xx 92754672 xx 561 561-882 xx Non-QM QC Complete Hawaii xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Hawaii State. The required state disclosure Reciprocal Beneficiary/ Civil Union Addendum to Uniform Residential Loan Application missing from the loan file.    
xx 92754672 xx 561 561-882 xx Non-QM QC Complete Hawaii xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.
The finance charge is $747,472.13. The disclosed finance charge of $747,088.91 is not considered accurate because it is understated by more than $100.
The loan data is  $747,088.91 and comparison data is $747,472.13; hence, the variance is -$383.22.
This loan failed the TILA foreclosure rescission finance charge test.
The finance charge is $747,472.13. The disclosed finance charge of $747,088.91 is not considered accurate for purposes of rescission because it is understated by more than $35.
The loan data is  $747,088.91 and comparison data is $747,472.13; hence, the variance is -$383.22.		    
xx 92754672 xx 561 561-882 xx Non-QM QC Complete Hawaii xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA finance charge test.
This loan failed the TILA foreclosure rescission finance charge test.		    
xx 96817606 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 96817606 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 96817606 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Data Edit Data Edit Active B * Deceased Borrower(s) (Lvl 3) According to the available death certificate located at "“xx”" the primary borrower "xx" was deceassed on xx.    
xx 96817606 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 96817606 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Data Edit Data Edit Active B * Litigation (Lvl 3) Available servicing comments state that foreclosure was initiated in loan and was referred to an attorney on xx, however as per collection comment xx/xx/xxxx the borrower contesting foreclosure for additional fees, the amount of additional fees are unable to determine. The litigation matter is still open.    
xx 96817606 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider is missing from the loan file.    
xx 96817606 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of service provider is missing from the loan file.    
xx 96817606 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The risk indicator is moderate due to TILA Finance Charge Test failed.    
xx 96817606 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA Finance Charge Test: FAIL, loan data: $138,117.83, comparison data:  $139,221.29, variance: -$1,103.46    
xx 62356141 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 62356141 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 62356141 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 2) 3rd installment of xx year Combined taxes of $1,091.69 are delinquent which were due on xx.    
xx 62356141 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report at the time of origination of the loan is missing from the loan file.    
xx 62356141 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) CE risk indicator is "Moderate" as this loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test.

Prohibited Fees Test: FAIL for Commitment fee in 800 section   Charged: $1,060.00    Allowed: $0.00     Over by: +$1,060.00		    
xx 62356141 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Disclosure is missing from loan file.    
xx 62356141 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from the loan file.    
xx 62356141 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Application Missing (Lvl 2) The copy of final 1003 is provided in loan file is illegible and it is difficult to read the data to update.    
xx 62356141 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Application Not Signed by All Borrowers (Lvl 2) The copy of final 1003 is provided in loan file is illegible and it is difficult to read the data to update.    
xx 62356141 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The following state (NJ) disclosures are missing from the loan file:

1. NJ Attorney disclosure
2.  Unacceptability of Insurance Notice
3.  Attorney Disclosure II
4. Private Well Testing
5.  Choice of Insurer Disclosure
6. Tax Bill Information		    
xx 62356141 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 62356141 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Title Review Active B * Active State Tax Lien Judgement. (Lvl 2) There is an active junior State tax lien judgment is available in the updated title report against xx.    
xx 62356141 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test.

Prohibited Fees Test: FAIL for Commitment fee in 800 section   Charged: $1,060.00    Allowed: $0.00     Over by: +$1,060.00		    
xx 99130669 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 99130669 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 99130669 xx 561 561-882 xx Non-QM QC Complete Arizona xx Legal Docs Doc Issue Active B * Title policy missing (Lvl 3) Final title policy is missing from the loan file. The values are updated as per commitment , located at ("xx").    
xx 99130669 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 99130669 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is missing from the loan file.    
xx 99130669 xx 561 561-882 xx Non-QM QC Complete Arizona xx Legal Docs Title Issue Active B * Title issue (Lvl 3) xx    
xx 81977896 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 81977896 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 81977896 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 81977896 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Following state disclosures are missing from the loan file.
Impound Account Disclosure
Cosigner Notice
Private Mortgage Insurance Disclosure
Hazard Insurance Disclosure
Insurer RecommendationDisclosure
Anti-Tying Disclosure
Privacy Notice
Notice of Right to Copy of Appraisal
Application for Credit-Married Persons
Fair Debt Collection Notice
Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 81977896 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from the loan file.    
xx 81977896 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is missing from the loan file.    
xx 81977896 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from the loan file.    
xx 81977896 xx 561 561-882 xx Non-QM QC Complete California xx Modification Doc Issue Active B * Loan appears modified. Mod missing or unexecuted (Lvl 4) This is conventional fixed rate mortgage with P&I of $xx Interest Rate of 6.125% and the maturity date of xx. The P&I as per payment history is $xx and interest rate is 4.000%. There is a reduction in P&I and interest rate with respect to Note data which seems that there would be a possibility of modification. As per tape data, the loan has been modified on xx with a modified principal balance of $xx modified payment due on xx with P&I of $xx at the interest rate of 4.000%. Also comment dated xx  reflects that loan has been recently modified which will be effective from xx. However, the loan modification document is missing from the loan file.    
xx 81977896 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Active State Tax Lien Judgement. (Lvl 2) Updated title report dated on xx/xx/xxxx states that there are many state tax liens against the subject borrower in the total amount of $xx and which was filed by the several plaintiff .    
xx 80076409 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 80076409 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 80076409 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business disclosure is missing from the loan file.    
xx 80076409 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Title Review Active B * Active State Tax Lien Judgement. (Lvl 2) As per the updated title report, there is  State Tax Lien in the amount of $5,039.31 in the favor of xx.    
xx 80076409 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan file.    
xx 80076409 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Providers disclosure is missing from the loan file.    
xx 80076409 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan Program disclosure is missing from the loan file.    
xx 80076409 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of Service Transfer disclosure is missing from the loan file.    
xx 80076409 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to confirm the operative index value from the loan files.    
xx 98574528 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 98574528 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 98574528 xx 561 561-882 xx Non-QM QC Complete Georgia xx Legal Docs Legal Docs Active B * Updated title review shows IRS / vehicle / federal / personal tax liens (Lvl 2) According to the updated title report dated xx/xx/xxxx, there is one IRS lien against the borrower in favor of xx.    
xx 98574528 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider document is missing from the loan file.    
xx 98574528 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Title Review Active B * Title Rvw shows prop. owner of record is not borr. (Lvl 3) xx    
xx 98574528 xx 561 561-882 xx Non-QM QC Complete Georgia xx Legal Docs Note / Mod Active B * Lost Note Affidavit (Lvl 3) The lost note affidavit has been found in the loan file located at “xx”, which states that the original note has been misplaced or destroyed. However, the duplicate copy of the note is available in the loan file.    
xx 98574528 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
xx 98574528 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Georgia State. The following state disclosures are missing from the loan file.
1.Closing Attorney Affidavit (not required by law but provided as a matter of custom)
2.Disclosure of Additional Fees		    
xx 9737288 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 9737288 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 9737288 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 9737288 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD-1 not signed by borrower.    
xx 9737288 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Disclosure is missing from the loan file.    
xx 9737288 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service providers document is missing from the loan file.    
xx 9737288 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject mortgage located in New Jersey, However, the following state disclosure are missing from the loan file.
·NJ Application Disclosure
·Delivery Fee Authorization
·NJ Attorney Disclosure
·The unacceptability of Insurance Notice
·Attorney Disclosure II
·Tax Bill Information
·Private Well Testing
·Lock-In Agreement
·Commitment Disclosures
·Choice of Insurer Disclosure
·Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 82161177 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 82161177 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 82161177 xx 561 561-882 xx Non-QM QC Complete Florida xx Data Edit Data Edit Active B * Litigation (Lvl 2) As per comments, there was a litigation and the borrower had filed a complaint against the lender; however, as per the comment dated xx/xx/xxxx, the litigation was resolved and hold was removed.    
xx 82161177 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 82161177 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 2) xx    
xx 82161177 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The affiliated business disclosure is missing from the loan file.    
xx 82161177 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Other Disclosures Active B * Missing Required Disclosures (Lvl 2) The loan program disclosure is missing from the loan file.    
xx 82161177 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 82161177 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Florida state.
The following state Disclosures are missing from the loan file:
1. Anti-Coercion Notice
2. Title Insurance Disclosure
3. Radon Gas Disclosure
4. Insurance Sales Disclosure
5. NJ Application Disclosure
6. Delivery Fee Authorization
7. NJ Attorney Disclosure
8. Unacceptability of Insurance Notice
9. Attorney Disclosure II
10.Tax Bill Information
11.Private Well Testing
12.Lock-In Agreement
13.Commitment Disclosures
14.Choice of Insurer Disclosure
15.Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 6257698 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 6257698 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 6257698 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Valuation Property Active B * Property Damage (Lvl 2) According to the latest BPO report dated xx/xx/xxxx and located at "xx" the property required the minor roof repair with estimated cost of repair $300.00; however there is no further information provided regarding damage has been repaired or not.    
xx 6257698 xx 561 561-882 xx Non-QM QC Complete New Jersey xx NPL General Active B * Water/Sewer Taxes (Lvl 2) According to the review of the updated title report dated xx/xx/xxxx, the utilities charge of the year xx are delinquent in  the amount ofxx.    
xx 6257698 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
xx 6257698 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Not all borrowers signed TIL (Lvl 2) Final TIL is not signed by the borrowers.    
xx 6257698 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by the borrower.    
xx 6257698 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The ComplianceEase Risk indicator is Moderate as this loan failed This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test.Prohibited Fees Test: FAIL loan data:$195.00 comparison data:$0.00 variance:+$195.00    
xx 6257698 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) this loan failed This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test.
Prohibited Fees Test: FAIL loan data:$195.00 comparison data:$0.00 variance:+$195.00.
The loan does charge fee(s) not provided for in this act, which is prohibited.
A person licensed as a mortgage broker shall have the right to charge only the following fees: (1) application fee; and (2)
discount points which may be labeled as an origination fee.		    
xx 77554557 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 77554557 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 77554557 xx 561 561-882 xx Non-QM QC Complete New York xx Data Edit Data Edit Active B * Litigation (Lvl 2) According to the collection comment dated xx/xx/xxxx, the foreclosure was put on hold due to the litigation. However; the collection comment dated xx/xx/xxxx, shows the hold was ended created due to the litigation.    
xx 77554557 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 77554557 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 77554557 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The ComplianceEase risk indicator is "Moderate" due to
1) TILA APR Test:		    
xx 77554557 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The Subject property is located at "New York" state and this state requires following disclosures and all are missing from the loan file.
NY Consumer Credit Disclosure / Fair Credit Reporting Notice
NY Interest Rate Disclosure
NY Hazard Insurance  Disclosure
Tax Escrow Account Designation
Mortgage Bankers and Exempt Organizations Pre application
Co-Signer Notice Requirements
Default Warning Notice
Commitment Disclosure		    
xx 77554557 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan is failed for:-
1) TILA APR Test:
Loan Data $367,482.35 Comparison Data $367,534.31  Variance  -$51.96.		    
xx 1689764 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 1689764 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 1689764 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Missing Title evidence (Lvl 4) The final title policy at origination along with title commitment/preliminary title report is missing from the loan file.    
xx 1689764 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service  providers is missing in the loan files.    
xx 1689764 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 1689764 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The required state following disclosures are missing in the loan files. (Impound Account Disclosure, Cosigner Notice, Private Mortgage Insurance Disclosure, Earthquake Disclosure forCondominiums, Insurer RecommendationDisclosure, CA Fair Lending Notice, Anti-Tying Disclosure, Privacy Notice, Notice of Right to Copy of Appraisal, Application for Credit-Married Persons, Fair Debt Collection Notice).    
xx 1689764 xx 561 561-882 xx Non-QM QC Complete California xx Credit DTI Active B * DTI > 60% (Lvl 2) The total income as per application is $1849 and expenses is $1280.42, hence the DTI is more than 60%.    
xx 16656256 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 16656256 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 16656256 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
xx 16656256 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider disclosure is missing.    
xx 16656256 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The property is located in NY state and the required disclosures are missing as follow.
NY Consumer Credit Disclosure / Fair Credit Reporting Notice, NY Interest Rate Disclosure, NY Hazard Insurance  Disclosure, Tax Escrow Account Designation, Mortgage Bankers and Exempt Organizations Preapplication, New York Real Property Escrow Account Disclosure, Commitment Disclosure, Lock-in Disclosure, Expiration of Lock-in or Commitment Period		    
xx 16656256 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Guidelines Active B * Cash out purchase (Lvl 2) This is purchase transaction but still the final HUD-1 shows cash to borrower in the amount of $616.00    
xx 11100655 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Compliance Risk Indicator is Moderate for failing the Pennsylvania license validation test, the TILA foreclosure rescission finance charge test, and the TILA finance charge test.    
xx 11100655 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx NPL General Active B * Recent Foreclosure Sale - Need Update (Lvl 3) xx    
xx 11100655 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) The appraisal from origination is missing from the loan file.  The value was updated as per the transmittal document found at location at (578182131 - MG - Originations - UNDERWRITING APPROVAL -  - 2162017_105807985).    
xx 11100655 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Good Faith Estimate missing or unexecuted (Lvl 2) The final GFE is missing in the loan files.    
xx 11100655 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Initial Good Faith Estimate is Missing (Lvl 2) The Initial GFE is missing in the loan files.    
xx 11100655 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service providers is missing in the loan files.    
xx 11100655 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Required Affiliated Business Disclosure is missing from the loan file.    
xx 11100655 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * ComplianceEase Exceptions Test Failed (Lvl 2) This loan failed the Pennsylvania license validation test.
 The Pennsylvania HB 2179 requires non-exempt mortgage lenders engaged in the business of making mortgage loans to be licensed, effective November 5th, 2008. The Pennsylvania Mortgage Lender License and Pennsylvania Exemption Letter (Mortgage Act) are not available for loans with a closing date before November 5th, 2008.		    
xx 11100655 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.
The finance charge is $91,583.56. The disclosed finance charge of $91,198.69 is not considered accurate because it is understated by $384.87 which is more than $100.
This loan failed the TILA foreclosure rescission finance charge test.
The finance charge is $91,583.56. The disclosed finance charge of $91,198.69 is not considered accurate for purposes of rescission because it is understated by $384.87 which is more than $35.		    
xx 11100655 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Active Judgment Against Borrower (Lvl 3) Updated title report dated xx/xx/xxxx shows Muni/City/Code liens in the favor of xx. However, as per the actual document in the detailed report there are active judgment agaist the borrower xx which is defendant in the judgment with the property address xx
However, Lis Pendens has not been filed by the xx		    
xx 56658482 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 56658482 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 56658482 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business disclosure is missing from the loan file.    
xx 56658482 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Provider is missing from the loan file.    
xx 56658482 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is required for ARM loan; however document is missing from loan file.    
xx 56658482 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index numerical value is unavailable as the supportive documents such as Loan program disclosure/Rate lock agreement/Closing instruction are missing from the loan file.    
xx 56658482 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Servicing comments are available in the file from xx/xx/xxxx  till xx/xx/xxxx,  however, we require latest 24 months comments history; Servicing comments are missing from xx/xx/xxxx to xx/xx/xxxx    
xx 56658482 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in OH state. The following require stated disclosure are missing from the loan file.
1. Equal Credit Availability Notice
2. Insurance Tying Disclosure
3. Non-Deposit Insurance Disclosure		    
xx 97736236 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 97736236 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 97736236 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) CE risk indicator is moderate due to the,
This loan failed the TILA finance charge test.		    
xx 97736236 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) CE TILA test failed due to the,
This loan failed the TILA finance charge test.
The finance charge is $506,290.59. The disclosed finance charge of $506,137.32 is not considered accurate because it is understated by more than $100.		    
xx 97736236 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider is missing form loan file.    
xx 97736236 xx 561 561-882 xx Non-QM QC Complete New York xx Data Edit Data Edit Active B * Litigation (Lvl 2) Review of collection comment stated that there is pleading or litigation action filed on xx/xx/xxxx. The comment dated xx/xx/xxxx show the contested matter referred to litigation completed and still file is in foreclosure. The Comment dated xx/xx/xxxx show the contested matter was resolved. FC file put on hold due to hold was approved start from xx/xx/xxxx. The comment dated xx/xx/xxxx show the litigation hold was closed. No further information about litigation.    
xx 97736236 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Title Review Active B * Active Judgment Against Borrower (Lvl 3) Review of updated title report dated xx/xx/xxxx show there are two active judgments against the subject borrower "xx"respectively.    
xx 97736236 xx 561 561-882 xx Non-QM QC Complete New York xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) The chain of assignment is complete; but there is gap between xx.    
xx 97736236 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in NY state, however required state disclosure missing from loan file.

NY Consumer Credit Disclosure / Fair Credit Reporting Notice
NY Interest Rate Disclosure
NY Hazard Insurance  Disclosure
Mortgage Bankers and Exempt Organizations Pre-application
Co-Signer Notice Requirements
Commitment Disclosure		    
xx 88080232 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 88080232 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 88080232 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) CE risk indicator is "Moderate" due to,
This loan failed the late fees test.		    
xx 88080232 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) CE state regulation test failed.
This loan failed the late fees test.
The loan has late fees that do not conform to the requirements for the lenders license type in the state where the property is located.		    
xx 88080232 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Credit Active B * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 is available in the loan file. However, Points and fees are hand written.    
xx 88080232 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Servicing comments are available in the file from xx/xx/xxxx  till xx/xx/xxxx,  however, we require latest 24 months comments history; Servicing comments are missing from xx/xx/xxxx to xx/xx/xxxx    
xx 88080232 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The following state disclosures are missing from the loan file.
1. NY Consumer Credit Disclosure / Fair Credit Reporting Notice.
2. Part 80 Disclosure, Alternative Mortgage Transaction Disclosures.
3. Default Warning Notice, Smoke Alarm Affidavit.
4. Subprime Home Loan Counseling Disclosure, Commitment Disclosure.		    
xx 88080232 xx 561 561-882 xx Non-QM QC Complete New York xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The Loan Modification agreement was made on an effective date of xx. The borrower had given promise to pay the UPB of $xx. There is balloon Addendum to the loan modification which states that lender agrees to immediately forgive an amount equal to $xx which exceeds the 2% of modification amount and from forgiven amount in which how much portion of arrearage and principle amount unable to determine. However, the third statement state that the portion of the new UPB $xx is not affected by the adjustment of this forgiven amount. And as per the latest payment history the UPB is $xx and the next due date is xx/xx/xxxx.    
xx 90122764 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the given loan file.    
xx 90122764 xx 561 561-882 xx Non-QM QC Complete Maryland xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) The Appraisal report is missing from the given loan file.    
xx 90122764 xx 561 561-882 xx Non-QM QC Complete Maryland xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) The chain of assignment is incomplete as there is a break in chain of assignment from xx to xx.    
xx 90122764 xx 561 561-882 xx Non-QM QC Complete Maryland xx Legal Docs Doc Issue Active B * Missing Title evidence (Lvl 4) The Final Title Policy at origination is missing from the given loan file.  A commitment or preliminary title report was also not provided.    
xx 90122764 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) The HUD-1 is missing along with Estimated HUD-1 and Itemization documents from the given loan file.    
xx 90122764 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Application Missing (Lvl 2) The Initial and Final loan applications are missing from the loan file.    
xx 90122764 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The Notice of servicing Transfer document is missing from the given loan file.    
xx 90122764 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Required Affiliated Business disclosure document is missing from the given loan file.    
xx 90122764 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) The ROR is missing from the given loan file.    
xx 90122764 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The Subject property is located in Maryland state. The below Required State disclosures are missing from the given loan file.
- Affidavit of Consideration
- Notice of Right to Select Attorney, Title Insurance Company and Settlement Agent Disclosure
- No Escrow Account
- Mandatory Binding Arbitration Disclosures		    
xx 68520357 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 68520357 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Active State Tax Lien Judgement. (Lvl 2) According to updated title report dated xx/xx/xxxx, there is a State Tax lien active against xx.    
xx 68520357 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business form disclosure is missing from the loan file.    
xx 68520357 xx 561 561-882 xx Non-QM QC Complete California xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1/settlement statement along with estimated HUD-1 / itemization of fees are missing from the loan file.    
xx 68520357 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final loan application /1003 is missing from the loan file.    
xx 68520357 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing form the loan file.    
xx 68520357 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Following state disclosure are missing from the loan file which are required in California State:
Impound Account Disclosure
Cosigner Notice
Private Mortgage Insurance Disclosure
Hazard Insurance Disclosure
Insurer RecommendationDisclosure
Anti-Tying Disclosure
Privacy Notice
Notice of Right to Copy of Appraisal
Application for Credit-Married Persons
Fair Debt Collection Notice
Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 68520357 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Final appraisal report is missing from the loan file.    
xx 68520357 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Providers disclosure is missing from the loan file.    
xx 68520357 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of Servicing transfer disclosure is missing from the loan file.    
xx 68520357 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 68520357 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Title Issue Active B * Title issue (Lvl 3) xx    
xx 98544148 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 98544148 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 98544148 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow account Disclosure is missing from the loan file.    
xx 98544148 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service providers document is missing from the loan file.    
xx 98544148 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index numerical value is unavailable as the supportive documents such as Loan program disclosure/Rate lock agreement/Closing instruction are missing from the loan file.    
xx 98544148 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.    
xx 26585900 xx 561 561-882 xx Non-QM QC Complete Utah xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) According to notice of interest document located at “xx” which was recorded on xx  an interest in the subject property.
No document or comments were found stating any reason for claimant’s interest in the property.		    
xx 26585900 xx 561 561-882 xx Non-QM QC Complete Utah xx Data Edit Data Edit Active B * Deceased Borrower(s) (Lvl 3) According to the death certificate located at "xx", the borrower, xx  was deceased on xx. According to the document located at "xx", xx was duly appointed and qualified as general personal representative of estate.    
xx 26585900 xx 561 561-882 xx Non-QM QC Complete Utah xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) According to the updated title report dated xx/xx/xxxx, the chain of the assignment has not been completed. The last assignment is from xx. The assignment should be with xx.    
xx 26585900 xx 561 561-882 xx Non-QM QC Complete Utah xx Credit Title Review Active B * Signatures at closing - There is an issue with not all property owners signing the title. (Lvl 4) xx    
xx 26585900 xx 561 561-882 xx Non-QM QC Complete Utah xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 26585900 xx 561 561-882 xx Non-QM QC Complete Utah xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal report is missing from the loan file.    
xx 26585900 xx 561 561-882 xx Non-QM QC Complete Utah xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 along with estimated HUD-1 and itemization are missing from the loan file.    
xx 26585900 xx 561 561-882 xx Non-QM QC Complete Utah xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final loan application is missing from the loan file.    
xx 26585900 xx 561 561-882 xx Non-QM QC Complete Utah xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 26585900 xx 561 561-882 xx Non-QM QC Complete Utah xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 26585900 xx 561 561-882 xx Non-QM QC Complete Utah xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is missing from the loan file.    
xx 26585900 xx 561 561-882 xx Non-QM QC Complete Utah xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) Right of rescission is missing from the loan file.    
xx 26585900 xx 561 561-882 xx Non-QM QC Complete Utah xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Utah State. The following disclosures are missing from the loan file:
Fee Disclosure
Loan Application Notice
Servicer Disclosure
Notice of Change of Terms For Open-End Consumer Credit Contract
Disclosure of Debtor’s Waiver of Class Action		    
xx 26585900 xx 561 561-882 xx Non-QM QC Complete Utah xx Valuation Appraisal Active B * Variation in Parcel number(APN#) (Lvl 3) xx    
xx 49951475 xx 561 561-882 xx Non-QM QC Complete Rhode Island xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 49951475 xx 561 561-882 xx Non-QM QC Complete Rhode Island xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 49951475 xx 561 561-882 xx Non-QM QC Complete Rhode Island xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 2) According to the updated title report dated xx/xx/xxxx the taxes for the year of xx are delinquent as follow.
1) The city taxes of the first quarter of the year xx are delinquent in the amount of $759.74. The taxes will be payable through the date xx in the amount of $840.17 with penalties.
2) The city taxes of the fourth quarter of the year xx  are paid in the amount of $759.74 and remaining $263,66 are delinquent. The delinquent taxes will be payable through the date xx  in the amount of $351.00 with penalties.		    
xx 49951475 xx 561 561-882 xx Non-QM QC Complete Rhode Island xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
xx 49951475 xx 561 561-882 xx Non-QM QC Complete Rhode Island xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated business disclosure is missing from the loan file.    
xx 49951475 xx 561 561-882 xx Non-QM QC Complete Rhode Island xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by the borrower.    
xx 49951475 xx 561 561-882 xx Non-QM QC Complete Rhode Island xx Data Edit Data Edit Active B * Deceased Borrower(s) (Lvl 3) According to the updated title report dated xx/xx/xxxx, the borrower,xx was deceased on xx. However, no details regarding the death certificate or probate has been found in the collection comments.

.		    
xx 49951475 xx 561 561-882 xx Non-QM QC Complete Rhode Island xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The property is located in Rhode Island and the required disclosures are missing from the loan file as follow.
Appraisal Fee Disclosure, Offer of Title Insurance, Choice of Title Insurer,Choice of Insurer (any type of insurance), Fee Disclosure, Notice of Rights, Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application.		    
xx 90658163 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal is missing from the loan file.    
xx 90658163 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit DTI Active B * DTI > 60% (Lvl 2) As per the final application, the total monthly income is $1,255.00 and total monthly debt are  $774.41. However, the DTI exceeds 61.706% which is more than 60%.    
xx 90658163 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 90658163 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Data Edit Data Edit Active B * Deceased Borrower(s) (Lvl 3) According to the updated title report dated xx/xx/xxxx, the borrower,xx was deceased on xx. However, no details regarding the death certificate or probate has been found in the collection comments.

.		    
xx 90658163 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The borrower has been making payments as per the loan modification agreement which was made on xx. According to the modified terms, the new principal balance is xx. The amount of xx of the new principal balance shall be considered as deferred principal balance. In addition, there is a deferred principal reduction amount of $xx which shall be forgiven by the lender on each of the first, second and third anniversaries of xx/xx/xxxx and the interest-bearing will be $xx. The borrower promises to pay $xx with the rate of interest 4.125% beginning from xx/xx/xxxx. The new maturity date is xx.    
xx 90658163 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) The final HUD-1 with estimated HUD-1 along with itemization is missing from the loan file.    
xx 90658163 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Legal Docs Doc Issue Active B * Missing Title evidence (Lvl 4) The final title policy along with commitment report and a preliminary report is missing from the loan file.    
xx 90658163 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider disclosure are missing from the loan file.    
xx 90658163 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) The ROR is missing from the loan file.    
xx 90658163 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in South Carolina State. The following state disclosures are missing from the loan file.
1.1.Agent Preference Disclosure
2.2.Casualty Insurance Disclosure
3.3.Manufactured Home Loan  Disclosures		    
xx 90658163 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Title Review Active B * Title Rvw shows prop. owner of record is not borr. (Lvl 2) xx    
xx 25546872 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Data Edit Data Edit Active B * Foreclosure Delay or Contested (Lvl 3) According to the servicing comment dated xx/xx/xxxx state the file is now being handled by the legal department as the as the user has contesting the foreclosure. Still the file is on hold due to the contested matter. No further details have been found.    
xx 25546872 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 25546872 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 25546872 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final Hud-1 is missing from the loan file. Also the estimated HUD-1 or itemization are not available in the loan file.    
xx 25546872 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 25546872 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 25546872 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of servicing providers disclosure is missing from the loan file.    
xx 25546872 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is missing from the loan file.    
xx 25546872 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated Business disclosure is missing from the loan file.    
xx 25546872 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) The loan is conventional and the LTV is greater than xx, hence required the MI Cert which is missing from the loan file.    
xx 25546872 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Valuation LTV Active B * LTV or CLTV exceeds 104% (Lvl 2) The LTV/CLTV exceeds xx.00% as the value used by lender for LTV is sale price in the amount of xx and the loan amount is xx.    
xx 5959458 xx 561 561-882 xx QM-TRID QC Complete Indiana xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 5959458 xx 561 561-882 xx QM-TRID QC Complete Indiana xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 3) MI Certificate is missing from the loan file as the MI Certificate is required for FHA Refinance Primary loans.    
xx 54972486 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 54972486 xx 561 561-882 xx Non-QM QC Complete Illinois xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report at the time of origination of the loan is missing from the loan file.    
xx 54972486 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
xx 54972486 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Credit Active B * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 along with an estimated HUD-1 and Fee itemization are missing from the file.    
xx 54972486 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 54972486 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from the loan file.    
xx 54972486 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 3) MI certificate is missing from the loan file as the subject loan is a FHA loan.    
xx 54972486 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of service transfer disclosure is missing from the loan file.    
xx 54972486 xx 561 561-882 xx Non-QM QC Complete Illinois xx NPL NPL Active B * Payment History is not Complete (Lvl 3) Payment history is available in the file from xx/xx/xxxx toxx/xx/xxxx; however, we require latest 12 months payment history; the latest payment history is missing from xx/xx/xxxxtoxx/xx/xxxx as tape shows the as of date of payment history isxx/xx/xxxx.    
xx 54972486 xx 561 561-882 xx Non-QM QC Complete Illinois xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 54972486 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Servicing comments are available in the file from xx/xx/xxxx toxx/xx/xxxx; however, we require latest 24 months comments history; the latest Servicing comments are missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 54972486 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) xx     
xx 54972486 xx 561 561-882 xx Non-QM QC Complete Illinois xx Data Edit Data Edit Active B * Deceased Borrower(s) (Lvl 3) According to the updated title report dated xx/xx/xxxx, the borrower,xx was deceased on xx. However, no details regarding the death certificate or probate has been found in the collection comments.

.		    
xx 66838774 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 66838774 xx 561 561-882 xx Non-QM QC Complete Indiana xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan file.    
xx 66838774 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Comment history available from xx/xx/xxxx to xx/xx/xxxx. However, we require the latest 24 months comment history. Comment history missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 66838774 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final Application is missing from the loan file.    
xx 66838774 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 66838774 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 66838774 xx 561 561-882 xx Non-QM QC Complete Indiana xx NPL NPL Active B * Payment History is not Complete (Lvl 3) Payment history is available from xx/xx/xxxx to xx/xx/xxxx. However, we require the latest 12 payment history. Payment history missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 66838774 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider document is missing from the loan file.    
xx 66838774 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The notice of servicing transfer disclosure is missing from the loan file.    
xx 66838774 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
xx 66838774 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 3) The subject loan is a FHA loan but MI certificate is missing from the loan file.    
xx 66838774 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Indiana State. The following required state disclosures are missing from the loan file.
1.Hazard Insurance Disclosure
2.Federal Consumer Credit Protection Act Disclosure
3.Insurance Freedom of Choice Disclosure		    
xx 66838774 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active B * ComplianceEase Exceptions Test Failed (Lvl 2) This loan failed the Indiana license validation test.
Indiana House Enrolled Act 1359 requires the Indiana Department of Financial Institutions to begin regulation of both first and subordinate lien mortgage lending under the First Lien Mortgage Lending License and Subordinate Lien Mortgage Lending License. As a result, lenders will no longer be allowed to make loans under the Indiana Unregulated (1st Lien), Unregulated
UCCC, Consumer Loan License, Consumer Loan License UCCC, or the Exemption Letter UCCC. The Indiana First Lien Mortgage Lending License and Indiana Subordinate Lien Lending License are not available for loans with a closing date before the Act's effective date of January 1, 2009.		    
xx 66838774 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA APR test.    
xx 66838774 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA APR test.
The annual percentage rate (APR) is 6.524%. The disclosed APR of 0.000% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.
The loan data is 0.000% and comparison data is 6.524%; hence, the variance is -6.524%.		    
xx 72565441 xx 561 561-882 xx Non-QM QC Complete Oregon xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 72565441 xx 561 561-882 xx Non-QM QC Complete Oregon xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 72565441 xx 561 561-882 xx Non-QM QC Complete Oregon xx Modification Doc Issue Active B * Loan appears modified. Mod missing or unexecuted (Lvl 4) "This is conventional fixed rate mortgage with P&I, $xx and interest rate of 6.37500 % which was supposed to be matured on xx The P&I as per payment history is the $xx and rate of interest is 4.000 %. There is a reduction in P&I and rate of interest with respect to note data which seems that there would be a possible modification.  As per comment dated xx/xx/xxxx, the loan modification has been approved. As per modified terms, the UPB reflected in the amount of $xx, The borrower promises to pay P&I of $xx with a modified interest rate of 4.000%. The new maturity date as per tape data is xx, The borrower has been making payment as per these modified terms. However, a copy of modification agreement is missing in the loan file."    
xx 72565441 xx 561 561-882 xx Non-QM QC Complete Oregon xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 72565441 xx 561 561-882 xx Non-QM QC Complete Oregon xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal report is missing from the loan file.    
xx 72565441 xx 561 561-882 xx Non-QM QC Complete Oregon xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Collection comments are available from xx/xx/xxxx till xx/xx/xxxx; however, as we require latest 24 collection comments. Comment history is missing from xx/xx/xxxx till xx/xx/xxxx.    
xx 72565441 xx 561 561-882 xx Non-QM QC Complete Oregon xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase risk indicator is moderate as the loan is failing for TILA APR test.    
xx 72565441 xx 561 561-882 xx Non-QM QC Complete Oregon xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application is missing from the loan file.    
xx 72565441 xx 561 561-882 xx Non-QM QC Complete Oregon xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 72565441 xx 561 561-882 xx Non-QM QC Complete Oregon xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 72565441 xx 561 561-882 xx Non-QM QC Complete Oregon xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing disclosure is missing from the loan file.    
xx 72565441 xx 561 561-882 xx Non-QM QC Complete Oregon xx NPL NPL Active B * Payment History is not Complete (Lvl 3) payment history is available from xx/xx/xxxx till xx/xx/xxxx; however, as we require latest 12 months payment history. Payment history is missing from xx/xx/xxxx till xx/xx/xxxx.    
xx 72565441 xx 561 561-882 xx Non-QM QC Complete Oregon xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 72565441 xx 561 561-882 xx Non-QM QC Complete Oregon xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 72565441 xx 561 561-882 xx Non-QM QC Complete Oregon xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 3) The subject loan is a FHA loan but MI certificate is missing from the loan file.    
xx 72565441 xx 561 561-882 xx Non-QM QC Complete Oregon xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA APR test as;
TILA APR Test: FAIL 0.000% 6.591% -6.591%
The annual percentage rate (APR) is 6.591%. The disclosed APR of 0.000% is not considered accurate because it is more than
1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.		    
xx 76033150 xx 561 561-882 xx Non-QM QC Complete Ohio xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report at the time of loan origination is missing from loan file.    
xx 76033150 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 is missing from loan file.    
xx 76033150 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 is missing from the loan file. And there are no estimated HUD-1 / Itemization of fees available in file.    
xx 76033150 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 76033150 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 3) List of service provider is missing from loan file.    
xx 76033150 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is missing from loan file.    
xx 76033150 xx 561 561-882 xx Non-QM QC Complete Ohio xx NPL NPL Active B * Payment History is not Complete (Lvl 3) Prior payment history is available in the file from xx/xx/xxxx to xx/xx/xxxx. However, we require latest 12 months payment history; the latest payment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 76033150 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from loan file.    
xx 76033150 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 3) The given loan type is FHA, required MI cert is missing from loan file.    
xx 76033150 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in OH state, however required state disclosure missing from loan file.
1. Equal Credit Availability Notice
2. Insurance Tying Disclosure
3. Non-Deposit Insurance Disclosure		    
xx 30363804 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 30363804 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 30363804 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Valuation Property Active B * Property Damage (Lvl 2) According to the collection comment dated xx/xx/xxxx, the borrower states that his home get damaged due to the floods. The kitchen floor has the minor damages. the estimated amount of repair not available in comments. Also, collection comments unable to confirm is the damage repaired or not. However; the latest BPO report dated xx/xx/xxxx, located at "xx' the subject property is occupied by owner and is in fair condition with no visible damages.    
xx 30363804 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 30363804 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application is missing from the loan file.    
xx 30363804 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 30363804 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow account disclosure is missing from the loan file.    
xx 30363804 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 30363804 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer disclosure is missing from the loan file.    
xx 30363804 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Seasoned loan over 3 years.    
xx 30363804 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The collection comments are available from xx/xx/xxxx to xx/xx/xxxx. We review latest 24 months collection comments. However; the collection comments are missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 30363804 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The ComplianceEase risk indicator is "Moderate" due to:-
1) TILA APR Test:		    
xx 30363804 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Modification Doc Issue Active B * Loan appears modified. Mod missing or unexecuted (Lvl 4) The payment history as well as the provided tape data shows that the loan was modified as the current P&I and Interest rate is differs from the original P&I and the interest rate. The original P&I is $727.45 and Interest rate is 6.500%. However; the payment history and tape data shows that the current P&I is $585.56 and current Interest rate is 5.125%. It seems that the loan was modified. However, the copy of the modification agreement is missing from the loan file.    
xx 30363804 xx 561 561-882 xx Non-QM QC Complete Louisiana xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The payment history is available from xx/xx/xxxx to xx/xx/xxxx. We review latest 12 months payment history. However; the payment history is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 30363804 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located at "Louisiana" state which requires following state disclosures and all are missing from the loan file.
Authorization Fees, Charges and Expenses for Federally Related Mortgage Loans
Anti-Tying Disclosure
Financial Institution Choice of Insurance Disclosure		    
xx 30363804 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan is failed for:-
TILA APR Test:
The loan data is 0.000%, the comparison data is 6.517% and the variance is -6.517%.		    
xx 38440933 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 38440933 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 38440933 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 2) xx    
xx 38440933 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 38440933 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 38440933 xx 561 561-882 xx Non-QM QC Complete Illinois xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal Report is missing from the loan file.    
xx 38440933 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) CE Risk Indicator is "Moderate" as this loan failed the TILA APR test and the documentation type test.
TILA APR Test: FAIL 0.000% 5.013% -5.013%.
Final TIL is missing from the loan files. However, APR updated as 0.000% hence, annual percentage rate is less than stated original rate.		    
xx 38440933 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final Application is missing from the loan file.    
xx 38440933 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 38440933 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan file,    
xx 38440933 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of service transfer Disclosure is missing from the loan file.    
xx 38440933 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated Business Disclosure is missing from the loan file.    
xx 38440933 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 3) The loan type is FHA and LTV is greater than xx hence required the MI Certificate which is missing from the loan file.    
xx 38440933 xx 561 561-882 xx Non-QM QC Complete Illinois xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The payment history is available from xx/xx/xxxx toxx/xx/xxxx; however we required latest 12 month complete payment history. The payment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 38440933 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) xx     
xx 38440933 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the documentation type test. (205 ILCS 635/5-6(b))
The loan's document type is "No Documentation," "No Asset Verification", "No Asset or Income Verification", "No Income
Verification", "Reduced", or "Streamline Refinance", or the document type is not provided.

Final Application is missing from the loan file.		    
xx 38440933 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA APR test. ( 12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4) )
The annual percentage rate (APR) is 5.013%. The disclosed APR of 0.000% is not considered accurate because it is more than
1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.		    
xx 87890555 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 87890555 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 87890555 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 87890555 xx 561 561-882 xx Non-QM QC Complete Ohio xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan file.    
xx 87890555 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application is missing from the loan file.    
xx 87890555 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 87890555 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow account disclosure is missing from the loan file.    
xx 87890555 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 87890555 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 3) Loan is FHA case. Hence; the MI certificate is required. However; the MI certificate is missing from the loan file.    
xx 87890555 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer disclosure is missing from the loan file.    
xx 87890555 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The comment history is available from xx/xx/xxxx to xx/xx/xxxx. We review latest 24 months collection comments. However; the comment history is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 87890555 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The ComplianceEase risk indicator is "Moderate" due to:-
1) TILA APR Test:.		    
xx 87890555 xx 561 561-882 xx Non-QM QC Complete Ohio xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The payment history is available from xx/xx/xxxx to xx/xx/xxxx. We review latest 12 months payment history. However; the payment history is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 87890555 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located at "OHIO" state and this state requires following disclosures and all are missing from the loan file.
Equal Credit Availability Notice
Insurance Tying Disclosure
Non-Deposit Insurance Disclosure		    
xx 87890555 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan is failed for:-
TILA APR Test:
The loan data is 0.000%  the comparison data is 6.929% and the variance is -6.929%.		    
xx 60341208 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 60341208 xx 561 561-882 xx Non-QM QC Complete Indiana xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal report is missing from the loan file.    
xx 60341208 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 60341208 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers are missing from the loan file.    
xx 60341208 xx 561 561-882 xx Non-QM QC Complete Indiana xx Data Edit Data Edit Active B * Water/Sewer Taxes (Lvl 3) xx    
xx 60341208 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer document is missing from the loan file.    
xx 60341208 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The affiliated business disclosure is missing from the loan file.    
xx 60341208 xx 561 561-882 xx Non-QM QC Complete Indiana xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) The chain of assignment has not been completed. There is gap in assignment from  xx.    
xx 60341208 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Doc Issue Active B * Application Missing (Lvl 2) The Final 1003 is missing from the loan file.    
xx 60341208 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) The final TIL is missing from the loan file.    
xx 60341208 xx 561 561-882 xx Non-QM QC Complete Indiana xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The payment history is available from xx/xx/xxxx toxx/xx/xxxx. However, we require the latest 12 months’ payment history. The payment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 60341208 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) The Right of Rescission is missing from the loan file.    
xx 60341208 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comments are available from xx/xx/xxxx toxx/xx/xxxx. However, we require the latest 24 months servicing comments. The servicing comments are missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 60341208 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 3) The subject loan is a FHA loan but MI certificate is missing from the loan file.
.		    
xx 60341208 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Indiana State. The following required state disclosures are missing in the loan files.
1. Hazard Insurance Disclosure.
2. Federal Consumer Credit Protection Act Disclosure.
3. Insurance Freedom of Choice Disclosure.		    
xx 60341208 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active B * ComplianceEase Exceptions Test Failed (Lvl 2) This loan failed the TILA APR test. The annual percentage rate (APR) is 5.664%. The disclosed APR of 0.000% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.

TILA APR Test: FAIL Loan Data 0.000% Comparison Data 5.664% Variance -5.664%.

This loan failed the Indiana license validation test.

Indiana House Enrolled Act 1359 requires the Indiana Department of Financial Institutions to begin regulation of both first and
subordinate lien mortgage lending under the First Lien Mortgage Lending License and Subordinate Lien Mortgage Lending
License. As a result, lenders will no longer be allowed to make loans under the Indiana Unregulated (1st Lien), Unregulated
UCCC, Consumer Loan License, Consumer Loan License UCCC, or the Exemption Letter UCCC.
The Indiana First Lien Mortgage Lending License and Indiana Subordinate Lien Lending License are not available for loans with
a closing date before the Act's effective date of January 1, 2009.		    
xx 60341208 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA APR test.
The annual percentage rate (APR) is 5.664%. The disclosed APR of 0.000% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.

TILA APR Test: FAIL Loan Data 0.000% Comparison Data 5.664% Variance -5.664%.		    
xx 60341208 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed TILA APR Test.
This loan failed IN License Validation Test:		    
xx 17944317 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 17944317 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 17944317 xx 561 561-882 xx Non-QM QC Complete New York xx NPL General Active B * Water/Sewer Taxes (Lvl 2) According to the review of the updated title report dated xx/xx/xxxx, the utilities charge of the year xx are delinquent in  the amount ofxx.    
xx 17944317 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business form disclosure is missing from the loan file.    
xx 17944317 xx 561 561-882 xx Non-QM QC Complete New York xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan file.    
xx 17944317 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 2) According to updated title report dated xx/xx/xxxx, xx installment taxes was due on xx  in the amount of $$1,392.44.    
xx 17944317 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Credit Active B * HUD-1 Closing Statement missing or unsigned (Lvl 3) Available copy of final HUD-1 contains hand written fees.    
xx 17944317 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Collection comments are available froxx/xx/xxxx toxx/xx/xxxx which are incomplete as we required for recent 24 months. Collection comments are missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 17944317 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase Risk Indicator is Moderate due to
This loan failed the TILA APR test.
This loan failed the points and fees test. Loan data is $22,323.75, comparison data is $15,275.00 and variance is +$7,048.75.		    
xx 17944317 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application is missing from the loan file.    
xx 17944317 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file    
xx 17944317 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of Servicing transfer disclosure is missing from the loan file.    
xx 17944317 xx 561 561-882 xx Non-QM QC Complete New York xx NPL NPL Active B * Payment History is not Complete (Lvl 3) Payment history is available from xx/xx/xxxx toxx/xx/xxxx, which is incomplete as we required for recent 12 months. Payment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 17944317 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 17944317 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 17944317 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 17944317 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA APR test. Loan data is 0.000% Comparison data is 8.254% and variance is -8.254%.    
xx 1621366 xx 561 561-882 xx Non-QM QC Complete Maine xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 1621366 xx 561 561-882 xx Non-QM QC Complete Maine xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 1621366 xx 561 561-882 xx Non-QM QC Complete Maine xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 1621366 xx 561 561-882 xx Non-QM QC Complete Maine xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal at the origination is missing from the loan file.    
xx 1621366 xx 561 561-882 xx Non-QM QC Complete Maine xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Significant" (Lvl 2) CE Risk Indicator is Significant as the loan is failing for ME Title 9-A Subprime Mortgage Loan DTI Provided Test and ME Title 9-A Subprime Mortgage Loan Documentation Type Test.
Final applicatuion is missing from the loan file hence unable to calculate the DTI.
The final HUD-1 has loan discount fee charged to the borrower in the amount of $360.00 however we are unable to determine if the discount points were Bonafide since we are missing the rate sheet.		    
xx 1621366 xx 561 561-882 xx Non-QM QC Complete Maine xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application is missing from the loan file.    
xx 1621366 xx 561 561-882 xx Non-QM QC Complete Maine xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 1621366 xx 561 561-882 xx Non-QM QC Complete Maine xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 1621366 xx 561 561-882 xx Non-QM QC Complete Maine xx Valuation Property Active B * Property Damage (Lvl 2) Latest BPO report dated xx/xx/xxxx (located at: “xx”) state that there is cosmetic damage to the subject property, the external siding/trim need to be repaired; the estimated cost of repair for same is in the amount of $2,500; however collection comment does not reflect any damage to the subject property. Details regarding repairs are unavailable. No details were found regarding the insurance claim.    
xx 1621366 xx 561 561-882 xx Non-QM QC Complete Maine xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider is missing from the loan file.    
xx 1621366 xx 561 561-882 xx Non-QM QC Complete Maine xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is missing from the loan file.    
xx 1621366 xx 561 561-882 xx Non-QM QC Complete Maine xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The available comment history is formxx/xx/xxxx toxx/xx/xxxx, as we required latest 24 months comments history. The comment history is missing formxx/xx/xxxx toxx/xx/xxxx.    
xx 1621366 xx 561 561-882 xx Non-QM QC Complete Maine xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The available payment history is from xx/xx/xxxx toxx/xx/xxxx, as we required latest 12 months payment history. The payment history is missing formxx/xx/xxxx toxx/xx/xxxx.    
xx 1621366 xx 561 561-882 xx Non-QM QC Complete Maine xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Maine state. The state disclosure missing from the loan file are: Notice to Cosigner, Title Attorney Disclosure, Choice of Insurance Notice and Withholding Tax Disclosure.    
xx 1621366 xx 561 561-882 xx Non-QM QC Complete Maine xx Compliance Compliance Active B * ComplianceEase State/Local Predatory Test Failed (Lvl 2) This is a Rate Spread Home loan and is failing for ME Title 9-A Subprime Mortgage Loan DTI Provided Test and ME Title 9-A Subprime Mortgage Loan Documentation Type Test.
Final applicatuion is missing from the loan file hence unable to calculate the DTI.		    
xx 1621366 xx 561 561-882 xx Non-QM QC Complete Maine xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed TILA APR test.
Final TIL is missing from the loan files and APR is considered as 0.00% for compliance testing.
The annual percentage rate (APR) is 7.645%. The disclosed APR of 0.000% is not considered accurate because it is more than
1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.		    
xx 50517712 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business form disclosure is missing from the loan file.    
xx 50517712 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan file.    
xx 50517712 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Valuation Property Active B * Property Damage (Lvl 2) As per servicing comment dated xx/xx/xxxx, subject property is damage. The nature of damage is mold. and claim amount of damage is $978.25 is deposited. Borrower stated that she has mold and personal  belongings have been destroyed. however, latest servicing comment does not shows that damage is repair or not.    
xx 50517712 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
xx 50517712 xx 561 561-882 xx Non-QM QC Complete New Jersey xx NPL NPL Active B * Payment History is not Complete (Lvl 3) Payment history is available from xx/xx/xxxx till xx/xx/xxxx; however, as we need latest 12 months payment history. Payment history is missing from xx/xx/xxxx till xx/xx/xxxx.    
xx 50517712 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer document is missing from the loan file.    
xx 50517712 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) This loan modification was done on xx (Lender).  The amortization type is fixed and new unpaid Principal balance is $317,958.03. According to modification lender is agree to forgiven principal balance in the amount of $126,858.03 which is exceeds 2% of modification amount.    
xx 36808201 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 36808201 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 36808201 xx 561 561-882 xx Non-QM QC Complete New York xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report at the time of origination is missing from the loan file.    
xx 36808201 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Compliance Ease Risk Indicator is moderate as the loan is failing for TILA APR test:  Charged 0.000%  Allowed 7.337% Over By - 7.337%.    
xx 36808201 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) Compliance Ease Risk Indicator is moderate as the loan is failing for TILA APR test:  Charged 0.000%  Allowed 7.337% Over By - 7.337%.
This loan failed the TILA APR test. ( 12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4) )
The annual percentage rate (APR) is 7.337%. The disclosed APR of 0.000% is not considered accurate because it is more than
1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.		    
xx 36808201 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
xx 36808201 xx 561 561-882 xx Non-QM QC Complete New York xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD1 is not signed by the borrower.    
xx 36808201 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 36808201 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Following state disclosures are missing from the loan file.
NY Consumer Credit Disclosure / Fair Credit Reporting Notice
NY Interest Rate Disclosure
NY Hazard Insurance  Disclosure
Tax Escrow Account Designation
Mortgage Bankers and Exempt Organizations Preapplication
Part 80 Disclosure
Co-Signer Notice Requirements
New York Real Property Escrow Account Disclosure
Commitment Disclosure
Lock-in Disclosure
Expiration of Lock-in or Commitment Period		    
xx 36808201 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is not found.    
xx 36808201 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from the loan file.    
xx 36808201 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) LTV is xx  which is greater than xx hence MI certificate is required; however, it is missing from the loan file.    
xx 36808201 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is not found.    
xx 36808201 xx 561 561-882 xx Non-QM QC Complete New York xx NPL NPL Active B * Payment History is not Complete (Lvl 3) Payment history is available from xx/xx/xxxx till xx/xx/xxxx; however, as we need latest 12 months payment history. Payment history is missing from xx/xx/xxxx till xx/xx/xxxx.    
xx 36808201 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is not found.    
xx 36808201 xx 561 561-882 xx Non-QM QC Complete New York xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 36808201 xx 561 561-882 xx Non-QM QC Complete New York xx NPL NPL Active B * Evidence in the file shows the property was surrendered to the courts/trustee (Lvl 2) Under voluntary petition in chapter xxBorrower intend to surrender the subject property. xx. Motion for relief from automatic stay was not filed. The borrower is currently 65 month behind his scheduled payments. Latest BPO report dated on xx/xx/xxxx state that the subject property is currently occupied by the owner. Updated title report the current vesting shows xx as original owner.    
xx 56366307 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 56366307 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 56366307 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure missing from the loan file.    
xx 56366307 xx 561 561-882 xx Non-QM QC Complete Washington xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan file.    
xx 56366307 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 56366307 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Acct Disclosure is missing from the loan file.    
xx 56366307 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 56366307 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
xx 56366307 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer missing from the loan file.    
xx 56366307 xx 561 561-882 xx Non-QM QC Complete Washington xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) The chain of assignment is incomplete as there is a break in chain of assignment from xx to xx.    
xx 56366307 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The ComplianceEase risk indicator is "Moderate" due to failing the TILA APR Test.    
xx 56366307 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Doc Issue Active B * Only Estimated HUD in file (Lvl 2) The HUD is marked Estimated however it is signed by all parties, both borrowers and the settlement agent, on the day of closing and is stamped certified true and correct copy of the original.  It appears to be the Final HUD with correct figures but just shows Estimated printed at the top of the first page.    
xx 56366307 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Doc Issue Active B * Application Missing (Lvl 2) The Initial and Final loan applications are missing from the loan file.    
xx 56366307 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active B * Operative Index Numerical Value Unavailable based on lender docs (Lvl 2) The Note at origination is an Interest-Only Period Adjustable Rate Mortgage.  Unable to determine the Operative Index Value used by the lender at origination due to missing documents such as Loan program disclosure/Rate lock agreement/Closing instructions.    
xx 56366307 xx 561 561-882 xx Non-QM QC Complete Washington xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The payment history is available from xx/xx/xxxx toxx/xx/xxxx.  The latest 12 months payment history is required for review.  Missing payment history from xx/xx/xxxx toxx/xx/xxxx.    
xx 56366307 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comments are available from xx/xx/xxxx toxx/xx/xxxx.  The latest 24 months servicing comments are required for review.  Missing comments from xx/xx/xxxx toxx/xx/xxxx.    
xx 56366307 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in the State of Washington.  The following Required State Disclosures are missing from the loan file:
- Choice of Insurance Notice
- Purchase Money Residential Mortgage Loan Closing Valuation Disclosure
- Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 56366307 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA APR Test due to missing the Final TIL therefore the APR was entered as 0%.    
xx 75885982 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business form is missing from loan file.    
xx 75885982 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal document is missing from the loan file.    
xx 75885982 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 75885982 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 2) xx    
xx 75885982 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
xx 75885982 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 along with estimated HUD and itemization are missing from the loan file.    
xx 75885982 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from loan file.    
xx 75885982 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from loan file.    
xx 75885982 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer document is missing from the loan file.    
xx 75885982 xx 561 561-882 xx Non-QM QC Complete New Jersey xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The payment history is available from xx/xx/xxxx4 toxx/xx/xxxx.As we require latest 12 months payment history.The payment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 75885982 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comments are available from xx/xx/xxxx to xx/xx/xxxx. As we require latest 24 months servicing comments. The comment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 41587739 xx 561 561-882 xx Non-QM QC Complete Maine xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Form is missing from the loan file.    
xx 41587739 xx 561 561-882 xx Non-QM QC Complete Maine xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan file.    
xx 41587739 xx 561 561-882 xx Non-QM QC Complete Maine xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 is missing from the loan file along with itemization and estimated HUD-1.    
xx 41587739 xx 561 561-882 xx Non-QM QC Complete Maine xx Legal Docs Doc Issue Active B * Missing Title evidence (Lvl 4) Final Title Policy is missing from the loan file along with preliminary title report and commitment.    
xx 41587739 xx 561 561-882 xx Non-QM QC Complete Maine xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Providers Disclosures is missing from the loan file.    
xx 41587739 xx 561 561-882 xx Non-QM QC Complete Maine xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 41587739 xx 561 561-882 xx Non-QM QC Complete Maine xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer Disclosure Document is missing from the loan file.    
xx 41587739 xx 561 561-882 xx Non-QM QC Complete Maine xx Credit Doc Issue Active B * Application Missing (Lvl 2) The Initial and Final Loan Applications are missing from the loan file.    
xx 41587739 xx 561 561-882 xx Non-QM QC Complete Maine xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The Loan modification agreement was made  on xx. As per modified terms, the unpaid principal balance is $xx of which lender has forgiven the amount $xx, which exceeds 2% of modification amount.  The interest bearing amount is $xx.    
xx 41587739 xx 561 561-882 xx Non-QM QC Complete Maine xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The payment history is available from xx/xx/xxxx toxx/xx/xxxx.  The latest 12 months payment history is required for review.  Missing payment history from xx/xx/xxxx toxx/xx/xxxx.    
xx 41587739 xx 561 561-882 xx Non-QM QC Complete Maine xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comments are available from xx/xx/xxxx toxx/xx/xxxx.  The latest 24 months servicing comments are required for review.  Missing comments from xx/xx/xxxx toxx/xx/xxxx.    
xx 41587739 xx 561 561-882 xx Non-QM QC Complete Maine xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in ME state. The following state disclosure is missing from the loan file.
·Notice to Cosigner
·Title Attorney Disclosure
·Choice of Insurance Notice
·Withholding Tax Disclosure		    
xx 47224970 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Form is missing from the loan file.    
xx 47224970 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan file.    
xx 47224970 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final Application is missing from the loan file.    
xx 47224970 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 is missing from the loan file along with itemization and estimated HUD-1.    
xx 47224970 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 47224970 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Providers Disclosures is missing from the loan file.    
xx 47224970 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Title Policy Active B * Missing Final Title Policy with applicable Alta endorsements. (i.e., Alta 8.1, 9) (Lvl 3) Only page 1 and 2 of final Title policy with  xx have been provided.  The file contains a Commitment from xx only.    
xx 47224970 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 47224970 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer Disclosure Document is missing from the loan file.    
xx 47224970 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The Loan modification agreement was made  on xx. As per modified terms, the unpaid principal balance is $xx of which lender has forgiven the amount $xx which exceeds 2% of modification amount. Hence, the modified principal balance and interest bearing amount is $xx    
xx 47224970 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The payment history is available from xx/xx/xxxx toxx/xx/xxxx. However, we require the latest 12 months’ payment history. The payment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 47224970 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) The chain of assignment is incomplete as there is a break in chain of assignment from xx to xx.    
xx 47224970 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comments are available from xx/xx/xxxx toxx/xx/xxxx. However, we require the latest 24 months’ servicing comments. The servicing comments are missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 47224970 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in MA state. The following state disclosure is missing from the loan file.
·Lead-Based Paint Disclosure
·Mortgage Loan Application Disclosure
·Carbon Monoxide Alarms
·MA Smoke Detector Certificate
·Notice of the Specific Reason for Denial of Credit
·Demonstration and Documentation of Compliance with Borrower’s Interest Requirement		    
xx 69565912 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 69565912 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 69565912 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Form is missing from the loan file.    
xx 69565912 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final Application/1003 is missing from the loan file.    
xx 69565912 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report/1008 is missing from the loan file.    
xx 69565912 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 69565912 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) First Lien Lender Fees Test: FAIL, Loan Data: $265.0, Comparison Data: $165.75 & Variance:+$99.25.
This loan failed the first lien lender fees test due to one of the following findings: (NC §24-1.1A(e))
The loan is a first lien mortgage with a principal amount that is greater than or equal to $10,000 and the sum of all lender
fees exceeds the greater of 0.25% of the principal amount or $150. Lender fees are all fees designated for the lender
other than the origination fee, discount points, assumption fee, rate lock fee, application fee, commitment fee, lender
inspection fee (post-close) and interest; or
The loan is a first lien mortgage made by a HUD approved lender and the sum of all lender fees exceeds the greater of
0.25% of the principal amount or $150. Lender fees are all fees designated for the lender other than the origination fee,
discount points, assumption fee, rate lock fee, application fee, commitment fee, lender inspection fee (post-close) and
interest; or
The loan is a first lien mortgage with a principal amount that is less than $10,000 and the loan charges a lender fee. (NC
24-1.1A(c1)).		    
xx 69565912 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Acct Disclosure is missing from the loan file.    
xx 69565912 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Providers Disclosures is missing from the loan file.    
xx 69565912 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 69565912 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 69565912 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer disclosure is missing from the loan file.    
xx 69565912 xx 561 561-882 xx Non-QM QC Complete North Carolina xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The payment history is available from xx/xx/xxxx toxx/xx/xxxx. However, we require the latest 12 months’ payment history. The payment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 69565912 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comments are available from xx/xx/xxxx toxx/xx/xxxx. However, we require the latest 24 months’ servicing comments. The servicing comments are missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 69565912 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in North Caroline State. The following state disclosures are missing from the loan file:
·Amortization Schedule Disclosure.
·Credit Property Insurance Disclosure.
·Fee Agreement.
·Priority of Security Instrument Disclosure.
·Attorney Selection Disclosure.		    
xx 69565912 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA APR test.
This loan failed the first lien lender fees test.		    
xx 69565912 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA APR Test: FAIL; Loan Data: 0.000%; Comparison Data: 10.753% and Variance:-10.753%.
This loan failed the TILA APR test.
The annual percentage rate (APR) is 10.753%. The disclosed APR of 0.000% is not considered accurate because it is more than
1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.		    
xx 94483975 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 94483975 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 94483975 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) 1.Construction Lien Disclosure
2.Mortgage Loan Servicing Disclosure
3.Choice of Insurance Notice
4.Purchase Money Residential Mortgage Loan Closing Valuation Disclosure
5. Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 94483975 xx 561 561-882 xx Non-QM QC Complete Washington xx Valuation Property Active B * Property Damage (Lvl 4) Servicing comment dated xx/xx/xxxx reflects an authorized third party called wanting to do a mod.  He also advised the borrower had a fire in her home and has a check made out to her and SMS and she wants to apply the funds to the balance owed.  He stated it was only for $20k and the servicer stated that wasn't enough to bring the loan current.  He said he knew but that she wants a mod and needs the balance to be reduced.  Borrower called on xx/xx/xxxx stating she does not have full reinstatement therefore wants to do a repayment plan.  She has $70k as a down payment.  The Investor approved the $70 DP and 12 month repayment plan at $3,190.51/month.  The loan was approved for a 12 month repayment plan on xx/xx/xxxx, beginning with thexx/xx/xxxx payment, after receiving the $70k Down Payment.  The down payment of $70k receivedxx/xx/xxxx, consisted of a loss draft check for $22,422.01, $26k check, and $48k send via wire.  The Foreclosure action was placed on hold and the Sale date for xx was cancelled.  Servicing comment dated xx/xx/xxxx reflects the repayment plan was successfully completed and the loan is now current.  The foreclosure attorney was advised to close the file.
As per thexx/xx/xxxx comment, xx. The Check# xx dated xx/xx/xxxx in the amount of $22,422.01. No evidence repairs were completed.  Borrower used the funds to repair home towards the delinquency cure.		    
xx 94483975 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated Business Disclosure is missing from the loan file.    
xx 94483975 xx 561 561-882 xx Non-QM QC Complete Washington xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) The Appraisal at the time of origination is missing from the loan file.    
xx 94483975 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The Compliance Risk Indicator is Moderate due to failing the TILA APR test.    
xx 94483975 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Doc Issue Active B * Application Missing (Lvl 2) The Final Application is missing from the loan file.    
xx 94483975 xx 561 561-882 xx Non-QM QC Complete Washington xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) The Final HUD-1 document in the file was not executed by the borrowers.    
xx 94483975 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) The Final TIL is missing from the loan file.    
xx 94483975 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) The Initial Escrow Account Disclosure is missing from the loan file.    
xx 94483975 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The List of Service Provider Disclosure is missing from the loan file.    
xx 94483975 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) The Loan Program Disclosure is missing from the loan file.    
xx 94483975 xx 561 561-882 xx Non-QM QC Complete Washington xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The payment history is available from xx/xx/xxxx toxx/xx/xxxx.  The latest 12 months payment history is required for review.  Missing payment history from xx/xx/xxxx toxx/xx/xxxx.    
xx 94483975 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comments are available from xx/xx/xxxx toxx/xx/xxxx.  The latest 24 months servicing comments are required for review.  Missing comments from xx/xx/xxxx toxx/xx/xxxx.    
xx 94483975 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The Servicing Transfer Disclosure is missing from the loan file.    
xx 94483975 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active B * Operative Index Numerical Value Unavailable based on lender docs (Lvl 2) The subject Note is an Interest First Adjustable Rate Note.  Unable to determine the Operative Index Value used by the lender at origination.    
xx 94483975 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA APR test due to missing the final TIL and the APR was entered as 0%.    
xx 80847684 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 80847684 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 80847684 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Legal Docs Note / Mod Active B * Lost Note Affidavit (Lvl 3) "Lost note affidavit dated xx was found at location " xx" showing original note was misplaced, lost or destroyed. Copy of Note is located at xx    
xx 80847684 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal report is missing from the loan file.    
xx 80847684 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Title Review Active B * Property address changed since origination - address on updated title different from note (Lvl 2) xx    
xx 80847684 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
xx 80847684 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 80847684 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 80847684 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
xx 80847684 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is missing from the loan file.    
xx 80847684 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from the loan file.    
xx 80847684 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Data Edit Data Edit Active B * Foreclosure Delay or Contested (Lvl 3) The foreclosure was initiated. The file was referred to an attorney on xx for extra fees. The comment dated xx/xx/xxxx states that contested still pending. No further comments found.    
xx 80847684 xx 561 561-882 xx Non-QM QC Complete South Carolina xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The payment history is available from xx/xx/xxxx toxx/xx/xxxx. However, we require the latest 12 months’ payment history. The payment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 80847684 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comments are available from xx/xx/xxxx toxx/xx/xxxx. However, we require the latest 24 months’ servicing comments. The servicing comments are missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 80847684 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 3) This is FHA loan. MI Certificate is missing from the loan file.    
xx 80847684 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA APR Test: Result: FAIL Loan Data: 0.000% Comparison Data: 3.284% Variance: -3.284%    
xx 80847684 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) TILA APR Test: Result: FAIL Loan Data: 0.000% Comparison Data: 3.284% Variance: -3.284%

This loan failed the TILA APR test. The annual percentage rate (APR) is 3.284%. The disclosed APR of 0.000% is not considered accurate because it is more than
1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.		    
xx 80847684 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to determine an operative index value because supportive documents are missing from the loan file.    
xx 74043668 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 74043668 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 74043668 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) 1.Equal Credit Availability Notice 2.Insurance Tying Disclosure 3.Non-Deposit Insurance DisclosureEqual Credit Availability Notice 4.Insurance Tying Disclosure 5.Non-Deposit Insurance Disclosure is missing from the loan file.    
xx 74043668 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 74043668 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * Application Missing (Lvl 2) Application is missing from the loan file.    
xx 74043668 xx 561 561-882 xx Non-QM QC Complete Ohio xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal is missing from the loan file.    
xx 74043668 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Compliance Risk Indicator is Moderate due to failing the TILA APR Test.    
xx 74043668 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Acct Disclosure is missing from the loan file.    
xx 74043668 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Providers is missing from the loan file.    
xx 74043668 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan Program Disclosure is missing from the loan file.    
xx 74043668 xx 561 561-882 xx Non-QM QC Complete Ohio xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 74043668 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing Transfer Disclosure is missing from the loan file.    
xx 74043668 xx 561 561-882 xx Non-QM QC Complete Ohio xx Legal Docs Doc Issue Active B * Missing Title evidence (Lvl 4) The Final Title Policy is missing from the loan file.  The file also does not contain a Preliminary or Commitment Title.    
xx 74043668 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) The Final Truth in Lending is missing from the loan file.    
xx 74043668 xx 561 561-882 xx Non-QM QC Complete Ohio xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The payment history is available from xx/xx/xxxx toxx/xx/xxxx.  The latest 12 months payment history is required for review.  Missing payment history from xx/xx/xxxx toxx/xx/xxxx.    
xx 74043668 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comments are available from xx/xx/xxxx toxx/xx/xxxx.  The latest 24 months servicing comments are required for review.  Missing comments from xx/xx/xxxx toxx/xx/xxxx.    
xx 74043668 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active B * Operative Index Numerical Value Unavailable based on lender docs (Lvl 2) The subject lien Note from origination is an Adjustable Rate Note.  Unable to determine the Operative Index Value used by the lender at origination.    
xx 74043668 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA APR test due to missing the Final TIL and the APR was entered as 0%.    
xx 57880799 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 57880799 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 57880799 xx 561 561-882 xx Non-QM QC Complete Maryland xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) According to the updated title report dated xx/xx/xxxx, the chain of the assignment has not been completed. The last assignment is xx. The assignment should be with xx.    
xx 57880799 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure missing from the loan file.    
xx 57880799 xx 561 561-882 xx Non-QM QC Complete Maryland xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal report is missing from the loan file.    
xx 57880799 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final Loan Application is missing from the loan file.    
xx 57880799 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
xx 57880799 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Not all borrowers signed TIL (Lvl 2) Final TIL is not signed by the borrower.    
xx 57880799 xx 561 561-882 xx Non-QM QC Complete Maryland xx Legal Docs Doc Issue Active B * Missing Title evidence (Lvl 4) Final Title Policy along with commitment and preliminary report are missing from the loan file.    
xx 57880799 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 57880799 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure missing from the loan file.    
xx 57880799 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer missing from the loan file.    
xx 57880799 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) operative index value is unable to confirm as supportive documents are missing from the loan file.    
xx 57880799 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) Right of rescission is missing from the loan file.    
xx 57880799 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The comment history is available from xx/xx/xxxx to xx/xx/xxxx. However, we require latest 24 months collection comment. The comment history is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 57880799 xx 561 561-882 xx Non-QM QC Complete Maryland xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The payment history is available from xx/xx/xxxx to xx/xx/xxxx. However, we require latest 12 months payment history. The payment history is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 57880799 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Maryland State. Required state disclosure missing from the loan file are listed below:
1.Mandatory Binding Arbitration Disclosures
2.No Escrow Account
3.Balloon Payment
4.Notice of Right to Select Attorney, Title Insurance Company and Settlement Agent Disclosure
5.First Time Buyers Affidavit
6.Affidavit of Disbursement
7.Affidavit of Consideration		    
xx 57880799 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.    
xx 91042824 xx 561 561-882 xx Non-QM QC Complete South Carolina xx NPL NPL Active B * Payment History is not Complete (Lvl 3) As per tape data the As of date isxx/xx/xxxx but we have received pay history onlyxx/xx/xxxx thus, 2 months payment history is missing from the loan file.    
xx 91042824 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 91042824 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated Business disclosure is missing from the loan file.    
xx 91042824 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) The Appraisal report is missing from the loan file.    
xx 91042824 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) The final HUD-1 is missing from the loan file and itemization of fees is also not available in loan files to test compliance.    
xx 91042824 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) The final TIL is missing from the loan file.    
xx 91042824 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Doc Issue Active B * Application Missing (Lvl 2) The finla Application is missing from the loan file.    
xx 91042824 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) The loan program disclosure is missing from the loan file.    
xx 91042824 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The notice of Servicing Transfer is missing from the loan file.    
xx 7800055 xx 561 561-882 xx Non-QM QC Complete Oregon xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal report is missing from the loan file.    
xx 7800055 xx 561 561-882 xx Non-QM QC Complete Oregon xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application is missing from the loan file.    
xx 7800055 xx 561 561-882 xx Non-QM QC Complete Oregon xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 along with estimated HUD and itemization are missing from the loan file.    
xx 7800055 xx 561 561-882 xx Non-QM QC Complete Oregon xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 7800055 xx 561 561-882 xx Non-QM QC Complete Oregon xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is missing from the loan file.    
xx 7800055 xx 561 561-882 xx Non-QM QC Complete Oregon xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider document is missing from the loan file.    
xx 7800055 xx 561 561-882 xx Non-QM QC Complete Oregon xx Legal Docs Doc Issue Active B * Note is missing or unexecuted (Lvl 4) The original note along with Lost Note Affidavit is missing from the loan file. The loan has not been modified since origination. The borrower has been making payments as per original note terms.    
xx 7800055 xx 561 561-882 xx Non-QM QC Complete Oregon xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The payment history is available from xx/xx/xxxx toxx/xx/xxxx; however, we require latest 12 months payment history; Payment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 7800055 xx 561 561-882 xx Non-QM QC Complete Oregon xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
xx 7800055 xx 561 561-882 xx Non-QM QC Complete Oregon xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Oregon State. The following required state disclosures are missing from the loan file.
1. Oregon Forced Placed Insurance Notice
2. Notice where Escrow Account is NOT Required
3. Escrow Notice for Loans Sold to Out-of- State Purchases within one year
4. Anti-Coercion Notice
5. Insurance Premium Notice
6. Insurance Sales Notice
7. Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 17714438 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 17714438 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 17714438 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Form is missing from the loan file.    
xx 17714438 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Acct Disclosure is missing from the loan file.    
xx 17714438 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Services Providers is missing from the loan file.    
xx 17714438 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Modification Doc Issue Active B * Loan appears modified. Mod missing or unexecuted (Lvl 4) Modification agreement is missing from the loan file.  The loan was originated as convectional fixed rate mortgage with interest rate at 9% and P&I of $1,512.70. However, the latest tape data and payment history shows the interest rate as 7.25% and the P&I $1,405.15. It seems the loan was modified. But, the loan modification agreement is missing from loan file.    
xx 17714438 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer Disclosure is missing from the loan file.    
xx 17714438 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) The Appraisal report from origination is missing from the loan file.    
xx 17714438 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The Compliance Risk Indicator is Moderate due to failing the TILA APR test.    
xx 17714438 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) The Final TIL is missing from the loan file.    
xx 17714438 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Doc Issue Active B * Application Missing (Lvl 2) The Initial and Final Loan Applications are missing from the loan file.    
xx 17714438 xx 561 561-882 xx Non-QM QC Complete South Carolina xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The payment history is available from xx/xx/xxxx toxx/xx/xxxx.  The latest 12 months payment history is required for review.  Missing payment history from xx/xx/xxxx toxx/xx/xxxx.    
xx 17714438 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comments are available from xx/xx/xxxx toxx/xx/xxxx.  The latest 24 months servicing comments are required for review.  Missing comments from xx/xx/xxxx toxx/xx/xxxx.    
xx 17714438 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in the State of South Carolina.  The following state disclosures are missing from the loan file:
·Agent Preference Disclosure
·Casualty Insurance Disclosure		    
xx 17714438 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) The TILA APR Test failed due to missing the Final TIL and the APR was entered as 0.000%.    
xx 76112138 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 76112138 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 76112138 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An Appraisal report is missing from the loan file.    
xx 76112138 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application is missing from the loan file.    
xx 76112138 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 76112138 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow acct disclosure is missing from the loan file.    
xx 76112138 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is missing from the loan file.    
xx 76112138 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Legal Docs Doc Issue Active B * Loan is Paid Off or Zero Balance - There is evidence in the file -  (Lvl 4) Subject loan paid off partially - final trustee report filed on xx available in PACER against subject BK filing of case# xx shows an amount of xxhas been partially paid to xx  (subject creditor) against their secured claim total of xx. However; latest PH available still shows UPB at 51K.    
xx 76112138 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The affiliated business form disclosure is missing from the loan file.    
xx 76112138 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The following state disclosures are missing from the loan file.
Amortization Schedule Disclosure, Credit Property Insurance Disclosure, Fee Agreement, Priority of Security Instrument Disclosure and Attorney Selection Disclosure.		    
xx 76112138 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Other Disclosures Active B * Missing Required Disclosures (Lvl 2) The list of service providers disclosure is missing from the loan file.    
xx 76112138 xx 561 561-882 xx Non-QM QC Complete North Carolina xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The payment history is available from xx/xx/xxxx toxx/xx/xxxx; however, we require latest 12 months payment history; Payment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 76112138 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 1935563 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 1935563 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated Business Disclosure is missing from the loan file.    
xx 1935563 xx 561 561-882 xx Non-QM QC Complete Indiana xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) The Appraisal at the time of origination is missing from the loan file.    
xx 1935563 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The comment history is not complete. We require latest 24 months comment history. It is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 1935563 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Doc Issue Active B * Application Missing (Lvl 2) The Final Application is missing from the loan file.    
xx 1935563 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) The Final TIL is missing from the loan file.    
xx 1935563 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Doc Issue Active B * Good Faith Estimate missing or unexecuted (Lvl 2) The Good Faith Estimate is missing from the loan file.    
xx 1935563 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) The Initial Escrow Account Disclosure is missing from the loan file.    
xx 1935563 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Doc Issue Active B * Initial Truth in Lending Disclosure is Missing (Lvl 2) The Initial Truth In Lending Disclosure is missing from the loan file.    
xx 1935563 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The List of Service Provider Disclosure is missing from the loan file.    
xx 1935563 xx 561 561-882 xx Non-QM QC Complete Indiana xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The payment history is not complete. We require latest 12 months payment history. It is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 1935563 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The Servicing Transfer Disclosure is missing from the loan file.    
xx 1935563 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in the Indiana state. The following state disclosures are missing from the loan file:

1.Hazard Insurance Disclosure
2.Federal Consumer Credit Protection Act Disclosure
3.Insurance Freedom of Choice Disclosure		    
xx 1935563 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 3) This is an FHA loan .The MI certificate is missing from the loan file.    
xx 1935563 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA APR test.
The annual percentage rate (APR) is 5.360%. The disclosed APR of 0.000% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.		    
xx 1935563 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA APR test.
The annual percentage rate (APR) is 5.360%. The disclosed APR of 0.000% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.

TILA APR Test: FAIL Loan Data 0.000% Comparison Data 5.360% Variance -5.360%.		    
xx 94335090 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 94335090 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 94335090 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Legal Docs Legal Docs Active B * Updated title review shows IRS / vehicle / federal / personal tax liens (Lvl 2) As per the updated title report dated xx/xx/xxxx, states that there are 2 IRS liens in the favor of xx.    
xx 94335090 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated Business Disclosure is missing from the loan file.    
xx 94335090 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) The Appraisal at the time of origination is missing from the loan file.    
xx 94335090 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The comment history is not complete. We require latest 24 months comment history. It is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 94335090 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Doc Issue Active B * Application Missing (Lvl 2) The final application is missing from the loan file.    
xx 94335090 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) The Final TIL is missing from the loan file.    
xx 94335090 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) The Initial Escrow Account Disclosure is missing from the loan file.    
xx 94335090 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The List of Service Provider Disclosure is missing from the loan file.    
xx 94335090 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The payment history is not complete. We require latest 12 months payment history. It is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 94335090 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The Servicing Transfer Disclosure is missing from the loan file.    
xx 94335090 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in the Massachusetts state. The following state disclosures are missing from the loan file:

1. Lead-Based Paint Disclosure
2. Mortgage Loan Application Disclosure
3. Carbon Monoxide Alarms
4. MA Smoke Detector Certificate
5. Notice of the Specific Reason for Denial of Credit
6. Demonstration and Documentation of Compliance with Borrower’s Interest Requirement		    
xx 94335090 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 3) This is an FHA loan. The MI certificate is missing from the loan file.    
xx 94335090 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA APR test.    
xx 94335090 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) TILA APR Test: FAIL Loan Data 0.000% Comparison Data 7.654% Variance -7.654%

The annual percentage rate (APR) is 7.654%. The disclosed APR of 0.000% is not considered accurate because it is more than
1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.		    
xx 20048737 xx 561 561-882 xx Non-QM QC Complete Idaho xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 20048737 xx 561 561-882 xx Non-QM QC Complete Idaho xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 20048737 xx 561 561-882 xx Non-QM QC Complete Idaho xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report at the time of origination is missing from the loan file.    
xx 20048737 xx 561 561-882 xx Non-QM QC Complete Idaho xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Compliance Ease Risk Indicator is moderate as the loan is failing for TILA APR test:  Charged 0.000%  Allowed 5.432% Over By - 5.432%.
.		    
xx 20048737 xx 561 561-882 xx Non-QM QC Complete Idaho xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) Compliance Ease Risk Indicator is moderate as the loan is failing for TILA APR test:  Charged 0.000%  Allowed 5.432% Over By - 5.432%.
This loan failed the TILA APR test. ( 12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4) )
The annual percentage rate (APR) is 5.432%. The disclosed APR of 0.000% is not considered accurate because it is more than
1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.		    
xx 20048737 xx 561 561-882 xx Non-QM QC Complete Idaho xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
xx 20048737 xx 561 561-882 xx Non-QM QC Complete Idaho xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file    
xx 20048737 xx 561 561-882 xx Non-QM QC Complete Idaho xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing in the loan file.    
xx 20048737 xx 561 561-882 xx Non-QM QC Complete Idaho xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing in the loan file.    
xx 20048737 xx 561 561-882 xx Non-QM QC Complete Idaho xx Valuation LTV Active B * LTV or CLTV exceeds 104% (Lvl 2) Loan is FHA and LTV is greater thanxx% hence MI is required which was missing from the loan file.    
xx 20048737 xx 561 561-882 xx Non-QM QC Complete Idaho xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice ff servicing transfer disclosure is missing in the loan file.    
xx 20048737 xx 561 561-882 xx Non-QM QC Complete Idaho xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing in the loan file.    
xx 20048737 xx 561 561-882 xx Non-QM QC Complete Idaho xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 20048737 xx 561 561-882 xx Non-QM QC Complete Idaho xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The payment history is available from xx/xx/xxxx toxx/xx/xxxx; however, we require latest 12 months payment history; Payment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 20048737 xx 561 561-882 xx Non-QM QC Complete Idaho xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located at Indiana; following disclosures are missing from loan file.
Hazard Insurance Disclosure
Federal Consumer Credit Protection Act Disclosure
Insurance Freedom of Choice Disclosure		    
xx 20048737 xx 561 561-882 xx Non-QM QC Complete Idaho xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 3) This is FHA loan. LTV is xx% which is greater thanxx% hence MI certificate is required; however, it is missing from the loan file.    
xx 24692769 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Title Review Active B * Active Judgment Against Borrower (Lvl 3) According to updated title report dated xx/xx/xxxx, there is an senior child support lien against the borrower xx    
xx 24692769 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 24692769 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal report is missing from the loan file.    
xx 24692769 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Collection comments are available from xx/xx/xxxx toxx/xx/xxxx. We required latest 24 months servicing comments. Collection comments are missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 24692769 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
xx 24692769 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final Hud-1 is missing from the loan file along with estimated HUD-1 and itemization.    
xx 24692769 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 24692769 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 24692769 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers document is missing from the loan file.    
xx 24692769 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
xx 24692769 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 24692769 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 24692769 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer disclosure is missing from the loan file.    
xx 24692769 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in state of New Jersey. The following state disclosures are missing from the loan file.
NJ Attorney Disclosure.
Unacceptability of Insurance Notice.
Attorney Disclosure II.
Tax Bill Information.
Choice of Insurer Disclosure.
Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application.		    
xx 88787127 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Title Review Active B * Active Judgment Against Borrower (Lvl 3) According to updated title report dated xx/xx/xxxx, there is a Abstract of Judgment for xx    
xx 88787127 xx 561 561-882 xx Non-QM QC Complete Virginia xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal is missing from the loan file.    
xx 88787127 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Collection comments are available from xx/xx/xxxx toxx/xx/xxxx. However, we required latest 24 months collection comments. Collection comments are missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 88787127 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application is missing from the loan file.    
xx 88787127 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1/settlement statement along with estimated HUD-1 / itemization of fees are missing from the loan file.    
xx 88787127 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 88787127 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow account disclosure is missing from the loan file.    
xx 88787127 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of servicing providers disclosure is missing from the loan file.    
xx 88787127 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan Program Disclosure is missing from the loan file.    
xx 88787127 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is missing from the loan file    
xx 88787127 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative Index Value is unable to confirm from the loan file.    
xx 88787127 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from the loan file.    
xx 88787127 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 88787127 xx 561 561-882 xx Non-QM QC Complete Virginia xx NPL NPL Active B * Payment History is not Complete (Lvl 3) We have payment history from xx/xx/xxxx toxx/xx/xxxx. However we required latest 12 months payment history. Payment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 45215822 xx 561 561-882 xx QM-TRID QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 45215822 xx 561 561-882 xx QM-TRID QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 45215822 xx 561 561-882 xx QM-TRID QC Complete California xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 1) Loan is an VA IRRRL Streamline Refinance without appraisal.    
xx 45215822 xx 561 561-882 xx QM-TRID QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 3) The following state (CA) disclosures are missing from the loan file:
1. Insurer Recommendation Disclosure
2. Privacy Notice		    
xx 45215822 xx 561 561-882 xx QM-TRID QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 66594581 xx 561 561-882 xx QM-TRID QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 66594581 xx 561 561-882 xx QM-TRID QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 66594581 xx 561 561-882 xx QM-TRID QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 3) Homeownership counseling disclosure is missing from the loan file.    
xx 66594581 xx 561 561-882 xx QM-TRID QC Complete Florida xx Compliance Compliance Active B * Missing Initial Closing Disclosure (Lvl 4) Initial closing disclosure dated xx is missing from the loan file.    
xx 66594581 xx 561 561-882 xx QM-TRID QC Complete Florida xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 3) The is FHA loan. The MI corticate is required. However the MI certificate is missing from the loan file.    
xx 66594581 xx 561 561-882 xx QM-TRID QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 3) The property is located in the Florida (FL) state. The below disclosures are missing from the loan file.
1. Title Insurance Disclosure
2. Radon Gas Disclosure
3. Insurance Sales Disclosure		    
xx 3842296 xx 561 561-882 xx QM-TRID QC Complete Colorado xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 3842296 xx 561 561-882 xx QM-TRID QC Complete Colorado xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 3842296 xx 561 561-882 xx QM-TRID QC Complete Colorado xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 3) The subject loan is VA but MI certificate is missing from the loan file.    
xx 3842296 xx 561 561-882 xx QM-TRID QC Complete Colorado xx Compliance Compliance Active D * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) TRID Violation due to a Lender Credit decreased on Revised LE dated xx/xx/xxxx.  LE dated xx/xx/xxxx reflects a Non-Specific Lender Credit of $883.00, however, Revised LE dated xx/xx/xxxx reflects the Non-Specific Lender Credit at $880.00.  This is a Lender Credit which decreased of $3.00 which is considered a Zero Tolerance amount.    
xx 3842296 xx 561 561-882 xx QM-TRID QC Complete Colorado xx Compliance Compliance Active D * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID Violation due to a Lender Credit decreased on Revised LE dated xx/xx/xxxx.  LE dated xx/xx/xxxx reflects a Non-Specific Lender Credit of $883.00, however, Revised LE dated xx/xx/xxxx reflects the Non-Specific Lender Credit at $880.00.  This is a Lender Credit which decreased of $3.00 which is considered a Zero Tolerance amount.    
xx 10509524 xx 561 561-882 xx QM-TRID QC Complete Kansas xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 10509524 xx 561 561-882 xx QM-TRID QC Complete Kansas xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Comment history is available from xx/xx/xxxx toxx/xx/xxxx.  The comments are missing from xx/xx/xxxx to xx/xx/xxxx as we require recent 24 months Servicing comment.    
xx 10509524 xx 561 561-882 xx QM-TRID QC Complete Kansas xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Compliance fails for State Regulations as Late Fees Test shows Comparison data as 3.912%%. Note Document reflects late charge fee as 5.000%.. Variance is 1.088%.    
xx 10509524 xx 561 561-882 xx QM-TRID QC Complete Kansas xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) Compliance fails for State Regulations as Late Fees Test shows Comparison data as 3.912%%. Note Document reflects late charge fee as 5.000%.. Variance is 1.088%.    
xx 10509524 xx 561 561-882 xx QM-TRID QC Complete Kansas xx Legal Docs Doc Issue Active B * Title policy missing (Lvl 3) Final title policy is missing, however, the title commitment present in the loan file is updated.    
xx 10509524 xx 561 561-882 xx QM-TRID QC Complete Kansas xx Compliance Compliance Active B * Missing or error on the Rate Lock Document (Lvl 3) Missing a Rate Lock Agreement signed by Borrower(s).    
xx 10509524 xx 561 561-882 xx QM-TRID QC Complete Kansas xx NPL NPL Active B * Payment History is not Complete (Lvl 3) Payment history is available from xx/xx/xxxx toxx/xx/xxxx. The payment history is missing from xx/xx/xxxx to xx/xx/xxxx as we require recent 12 months payment history.    
xx 10509524 xx 561 561-882 xx QM-TRID QC Complete Kansas xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 3) The subject property is located in Kansas , However, the  state disclosure is  missing from the loan file.

1.Signed Closed-end Credit Agreement Notice.		    
xx 10509524 xx 561 561-882 xx QM-TRID QC Complete Kansas xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 19864508 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 19864508 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 19864508 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated Business Disclosure is missing from the loan file.    
xx 19864508 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The comment history is available from xx/xx/xxxx toxx/xx/xxxx. However, we require latest 24 months comment history. The comment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 19864508 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) The final TIL is not hand dated by the borrower.    
xx 19864508 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The List of Service Providers Disclosure is missing from the loan file.    
xx 19864508 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The property is located in Florida state. The following state disclosures are missing from the loan file.
1. Anti-Coercion Notice
2.Radon Gas Disclosure
3.Insurance Sales Disclosure		    
xx 19864508 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The Servicing Transfer disclosure is missing from the loan file.    
xx 19864508 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 19864508 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 19864508 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to determine an operative index value since the supporting documents are missing from the available loan files.    
xx 68734581 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 68734581 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 68734581 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Rvw shows prop. owner of record is not borr. (Lvl 2) xx    
xx 68734581 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Doc Issue Active B * Title policy missing (Lvl 3) Final title policy at the time of origination is missing from the loan file but Title Commitment is available in the file. Values are updated as per the title commitment.    
xx 68734581 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Following state disclosures are missing from the loan files.
·Anti-Coercion Notice
·Title Insurance Disclosure
·Radon Gas Disclosure
·Insurance Sales Disclosure		    
xx 68734581 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of services providers disclosure is missing from the loan file.    
xx 68734581 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index numerical value is unavailable as the supportive documents such as Loan program disclosure/Rate lock agreement/Closing instruction are missing from the loan file.    
xx 68734581 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from the loan file.    
xx 68734581 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 68734581 xx 561 561-882 xx Non-QM QC Complete Florida xx Modification Doc Issue Active B * Loan appears modified. Mod missing or unexecuted (Lvl 4) This is a conventional ARM  with a P&I of $1,738.61 with the rate of interest 8.80% and a maturity date of xx with margin 5.800%. The P&I as per payment history is the $974.01 and rate of interest is 8.500%; however there is a reduction in P&I and interest rate with respect to Note data which seems that there would be a possibility of modification.
As per tape data, the loan has been modified on xx  with a modified principal balance of $xx. First modified payment due on xx with P&I of $974.01 at the interest rate of 8.500%. However, the loan modification document is missing from the loan file.		    
xx 68734581 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Review shows lien by DOJ_Department of Justice (Lvl 4) Updated report title dated on xx/xx/xxxx, shows that there is a “xx. However the subject property address is not mentioned in DOJ document. Defendant’s name is not consistent with the property owner on subject Mortgage and Note. We are unable to confirm whether DOJ is against the subject property owner or not because the SSN number and Date of Birth is not provided in the DOJ document.    
xx 68734581 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 68734581 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 45563267 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 45563267 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 45563267 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 45563267 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
xx 45563267 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers document is missing from the loan file.    
xx 45563267 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of service transfer is missing from the loan file.    
xx 45563267 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Ohio state.The following state disclosure are missing from the loan file.
1.Equal Credit Availability Notice
2.Insurance Tying Disclosure
3.Non-Deposit Insurance Disclosure		    
xx 50705414 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 50705414 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Valuation Property Active B * Property Damage (Lvl 2) According to collection comment datesxx/xx/xxxx, the subject property had roof damages due to wind and storm. Comment dated xx/xx/xxxx show the check #xx was received from xx in the amount of $3,991.40. No further details have been found regarding damage amount or repairs. Latest BPO report is not available in the loan file.    
xx 50705414 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 50705414 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) CE risk indicator is moderate due to,
This loan failed the Connecticut license validation test. (CT HB 5577 Section 39(b))		    
xx 50705414 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from the loan file.    
xx 50705414 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is required for ARM loan; however document is missing from loan file.    
xx 50705414 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is missing from the loan file.    
xx 50705414 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Compliance Compliance Active B * Operative Index Numerical Value Unavailable based on lender docs (Lvl 2) Operative index numerical value is unavailable as the supportive documents such as Loan program disclosure/Rate lock agreement/Closing instruction are missing from the loan file.    
xx 50705414 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The loan modification agreement was made between xx with new modified unpaid principal balance $xx. The principal amount $xx has been permanently forgiven. Which exceeds 2% of modified balance.    
xx 50705414 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 50705414 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The Subject property is located in Connecticut (CT) state. The below Required State disclosures are missing in the given loan files. 
1] 2nd Liens = provide CT disclosure and comply with terms Mortgage Insurance Disclosure.
2] Interest Rate Disclosure,.
3] Lock-In Agreement Disclosure.
4] Payoff Statement Disclosure.
5] Non-Prime Notice of LoanTerms Disclosure.
6] Interim Financing Disclosure.
7] Legal RepresentationDisclosure.		    
xx 50705414 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 50705414 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Compliance Compliance Active B * ComplianceEase Exceptions Test Failed (Lvl 2) This loan failed the Connecticut license validation test.
First mortgage lender licenses and secondary mortgage lender licenses in existence on June 30th, 2008 shall be deemed on and after July 1st, 2008, to be a mortgage lender license. As of July 1, 2008 the Connecticut First Mortgage Lender License and the Connecticut Second Mortgage Lender License are no longer valid. The Connecticut Mortgage Lender License is available for loans with a closing date before July 1st, 2008.		    
xx 39778629 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 is missing from the loan file. And there are no estimated HUD-1 / Itemization of fees available in file.    
xx 39778629 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Legal Docs Doc Issue Active B * Missing Title evidence (Lvl 4) Lenders final title policy / TPOL is missing from the loan file; and there are no title commitment or preliminary policy available in the entire loan file.    
xx 39778629 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) list of service providers is missing from the loan files.    
xx 39778629 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Legal Docs Legal Docs Active B * Updated title review shows IRS / vehicle / federal / personal tax liens (Lvl 2) Review of updated title report dated xx/xx/xxxx show there are two IRS liens against the subject property in the total amount of xx.    
xx 39778629 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated business disclosure is missing from the loan files.    
xx 39778629 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Valuation Property Active B * Property is Manufactured Housing (Lvl 2) The appraisal report at origination is missing from the loan file but the tape reflects that “the subject property is Manufactured Home”. The final Title Policy at origination is missing from the loan file. However, according to the updated title report dated xx/xx/xxxx the subject property is “manufactured home” and it shows VIN#xx.  Also the latest state tax report shows the land value $20,605.00 and Building value $94,015.00. However, the document of “declaration of intent to affix the manufactured home to real property” is available with the updated title report (xx) which state that the subject property has been or will be placed upon real property and it is owners express intention that the home be considered and treated as real property for all purposes. According to the document the owners covenant that this declaration may be relied upon by lenders, purchasers, attorneys certifying title to said real property and the title insurance companies insuring title to said real property. Hence we can consider the property as a real property.    
xx 39778629 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) The appraisal report at the time of loan origination is missing from the loan files.    
xx 39778629 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) The final TIL is not hand dated by borrower.    
xx 39778629 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The notice of service transfer is missing from the loan files.    
xx 39778629 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) The ROR is missing from the loan files.    
xx 39778629 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in NC State. The following state disclosures are missing in the loan files.
1. Amortization Schedule Disclosure
2. Credit Property Insurance Disclosure
3. Fee Agreement
4. Priority of Security Instrument Disclosure
5. Attorney Selection Disclosure		    
xx 84897240 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 84897240 xx 561 561-882 xx Non-QM QC Complete Georgia xx NPL General Active B * Water/Sewer Taxes (Lvl 2) According to the review of the updated title report dated xx/xx/xxxx, the utilities charge of the year xx are delinquent in  the amount ofxx.    
xx 84897240 xx 561 561-882 xx Non-QM QC Complete Georgia xx Data Edit Data Edit Active B * Water/Sewer Taxes (Lvl 3) xx    
xx 84897240 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application/1003 is missing from the loan file.    
xx 84897240 xx 561 561-882 xx Non-QM QC Complete Georgia xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report/1008 is missing from the loan file.    
xx 84897240 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow acct disclosure is missing from the loan file.    
xx 84897240 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) Right of Rescission (ROR) is missing from the loan file.    
xx 84897240 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 84897240 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located at "Georgia" state. The below state disclosures are missing from the loan file:
1) Waiver of Borrowers Rightsand Closing Attorney Affidavit (not required by law but provided as a matter of custom).
2) Disclosure of Additional Fees.		    
xx 22432172 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 22432172 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 22432172 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Compliance Risk Indicator is Moderate due to failing the TILA finance charge test and the bona fide discount points test.    
xx 22432172 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Data Edit Data Edit Active B * Deceased Borrower(s) (Lvl 3) According to the updated title report dated xx/xx/xxxx, the borrower,xx was deceased on xx. However, no details regarding the death certificate or probate has been found in the collection comments.

.		    
xx 22432172 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) The Initial Escrow Account Disclosure is missing from the loan file.    
xx 22432172 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Title Review Active B * Property address changed since origination - address on updated title different from note (Lvl 2) xx    
xx 22432172 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Valuation Property Active B * Property Damage (Lvl 2) The property was damaged by fire and has been 100% repaired.  As per the collection comment xx/xx/xxxx, the borrower's wife had a fire in her home.  The Date of Loss wasxx/xx/xxxx.  The property needed repairs in the estimated amount of $8,941.36.  The insurance claim was accepted with the amount of $8,930.  The servicing comment dated xx/xx/xxxx reflects all repairs were completed per the inspection results showing 100%.    
xx 22432172 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Valuation Property Active B * Property is Manufactured Housing (Lvl 2) xx     
xx 22432172 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in the State of North Carolina.  The following state disclosures are missing from the loan file:
- Credit Property Insurance Disclosure
- Fee Agreement
- Priority of Security Instrument Disclosure
- Attorney Selection Disclosure		    
xx 22432172 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Valuation Appraisal Active B * Variation in Parcel number(APN#) (Lvl 3) xx    
xx 22432172 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the bona fide discount points test.  Unable to verify if the Discount Points charged at origination were actually bona fide and reduced the interest rate.
The loan is a first lien mortgage and has a principal amount that is greater than or equal to $10,000 and charges discount points that are not paid for the purpose of reducing, and do not in fact result in a bona fide reduction of the interest rate.  Points are treated as paid for the purpose of reducing, and in fact result in a bona fide reduction of the interest rate, if they are marked as "Bona Fide - State".

"Bona Fide Discount Points Test: FAIL		    
xx 22432172 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.  The finance charge is $147,743.90.  The disclosed finance charge of $147,410.41 is not considered accurate because it is understated by more than $100.
TILA Finance Charge Test: Loan Data $147,410.41; Comparison Data $147,743.90; Variance of -$333.49.		    
xx 87687200 xx 561 561-882 xx Non-QM QC Complete Iowa xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 87687200 xx 561 561-882 xx Non-QM QC Complete Iowa xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 87687200 xx 561 561-882 xx Non-QM QC Complete Iowa xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business form is missing from the loan file.    
xx 87687200 xx 561 561-882 xx Non-QM QC Complete Iowa xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 2) xx    
xx 87687200 xx 561 561-882 xx Non-QM QC Complete Iowa xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers document is missing from the loan file.    
xx 87687200 xx 561 561-882 xx Non-QM QC Complete Iowa xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) Loan Data: $799.00 Comparison Data: $0.00 Variance: +$799.00
Prohibited Fees Test Inclusion
Administration Fee:$749.00
Document Preparation: Fee $50.00		    
xx 87687200 xx 561 561-882 xx Non-QM QC Complete Iowa xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The modification agreement was made between the xx with new modified unpaid principal balance $xx. This modification contains Write Off amount $xx, which has been forgiven. Which exceeds 2% of modified balance.    
xx 87687200 xx 561 561-882 xx Non-QM QC Complete Iowa xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The property is located in IA state; Below mentioned state disclosures are missing from the loan file:
1.Credit Agreement Disclosure
2.Cosigner Notice
3.Notice to Consumer
4.Compliance with Truth in Lending Act
5.Choice of Insurer Disclosure		    
xx 87687200 xx 561 561-882 xx Non-QM QC Complete Iowa xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 87687200 xx 561 561-882 xx Non-QM QC Complete Iowa xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.
This loan has also failed State Regulations Restricted Fees test		    
xx 93465825 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 93465825 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 93465825 xx 561 561-882 xx Non-QM QC Complete Michigan xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business form is missing from the loan file.    
xx 93465825 xx 561 561-882 xx Non-QM QC Complete Michigan xx Credit DTI Active B * DTI > 60% (Lvl 2) As per the final application the income of borrower is $2,210.00 and the total back debt for DTI is $2,245.00 hence the DTI is greater than 60.00%.    
xx 93465825 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers document is missing from the loan file.    
xx 93465825 xx 561 561-882 xx Non-QM QC Complete Michigan xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer document is missing from the loan file.    
xx 93465825 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The property is located in MI state and the required disclosures are missing from the loan file.
1.MI Borrower's Bill of Rights
2.MI Consumer Caution and Homeownership Counseling Notice
3.Choice of Insurance Agent		    
xx 66986028 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 66986028 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 66986028 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
xx 66986028 xx 561 561-882 xx Non-QM QC Complete Indiana xx NPL General Active B * Water/Sewer Taxes (Lvl 3) According to the review of the updated title report dated xx/xx/xxxx, the utilities charge of the year xx are delinquent in  the amount ofxx.    
xx 66986028 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The Compliance Risk Indicator is Moderate due to failing the TILA finance charge test and the Indiana license validation test.    
xx 66986028 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The property is located in the State of Indiana (IN).  The following Required State Disclosures are missing from the file:
- Hazard Insurance Disclosure
- Federal Consumer Credit Protection Act Disclosure
- Insurance Freedom of Choice Disclosure		    
xx 66986028 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active B * ComplianceEase Exceptions Test Failed (Lvl 2) This loan failed the Indiana license validation test.    
xx 66986028 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test : Loan Data $139,932.90 Comparison Data $140,343.90 Variance -$411.00.    
xx 5568485 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 5568485 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business from disclosure is missing from the loan file.    
xx 5568485 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit DTI Active B * DTI > 60% (Lvl 2) As per final application, borrower total monthly income is $1728.17 and total monthly expenses is $1097.09. Hence, DTI is greater than 60.00%.    
xx 5568485 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 5568485 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) MI Certificate is missing from the loan file.    
xx 5568485 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Service Transfer Document is missing from the loan file.    
xx 5568485 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Subject property is located at IN state.
Following state disclosure is missing from the loan file. :-
1) Federal Consumer Credit Protection Act Disclosure.		    
xx 5568485 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the Indiana license validation test.    
xx 5568485 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active B * ComplianceEase Exceptions Test Failed (Lvl 2) This loan failed the Indiana license validation test. :-
Indiana House Enrolled Act 1359 requires the Indiana Department of Financial Institutions to begin regulation of both first and subordinate lien mortgage lending under the First Lien Mortgage Lending License and Subordinate Lien Mortgage Lending License. As a result, lenders will no longer be allowed to make loans under the Indiana Unregulated (1st Lien), Unregulated
UCCC, Consumer Loan License, Consumer Loan License UCCC, or the Exemption Letter UCCC. The Indiana First Lien Mortgage Lending License and Indiana Subordinate Lien Lending License are not available for loans with a closing date before the Act's effective date of January 1, 2009.		    
xx 81039150 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Credit Active B * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1/settlement statement along with estimated HUD-1 / itemization of fees are missing from the loan file.    
xx 81039150 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated business disclosure is missing from the loan files.    
xx 81039150 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) The final TIL is missing from the loan files.    
xx 81039150 xx 561 561-882 xx Non-QM QC Complete Georgia xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) The appraisal report is missing from the loan files.    
xx 81039150 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Application Missing (Lvl 2) The initial and final loan applications are missing from the loan file.    
xx 81039150 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service providers is missing from the loan files.    
xx 81039150 xx 561 561-882 xx Non-QM QC Complete Georgia xx Modification Doc Issue Active B * Loan appears modified. Mod missing or unexecuted (Lvl 4) The Modification Agreement is missing in the loan file.  The Note at origination is an interest First ARM with the margin of 2.25% along with the initial P&I of $674.69 with the rate of interest 6.375% and a maturity date of xx. The P&I as per latest payment history is the $319.80 and rate of interest is 2.00%.  There is a reduction in the P&I and rate of interest with respect to Note data and the margin, which appears that the loan has been modified.  According to the document located at “xx” the loan was modified on xx.  As per comment dated xx/xx/xxxx, there was a request to provide the executed mod agreement dated xx/xx/xxxx further indicating the loan modification is missing.    
xx 81039150 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Operative Index Numerical Value Unavailable based on lender docs (Lvl 2) The Note at origination is an Interest First Adjustable Rate.  Unable to determine the Operative Index Value used by the lender at origination.    
xx 81039150 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The notice of servicing transfer is missing from the loan file.    
xx 81039150 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in the State of Georgia.  The following required state disclosures are missing from the loan file:
- Waiver of Borrowers Rights and Closing Attorney Affidavit (not required by law but provided as a matter of custom)
- Disclosure of Additional Fees		    
xx 19093135 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Note / Mod Active B * Lost Note Affidavit (Lvl 3) "Lost note affidavit dated xx  was found at location "xx" showing original note was misplaced, lost or destroyed. Copy of Note is also located in the same file."    
xx 19093135 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file    
xx 19093135 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal report is missing from the loan file.    
xx 19093135 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final Application is missing from the loan file.    
xx 19093135 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1/settlement statement along with estimated HUD-1 / itemization of fees are missing from the loan file.    
xx 19093135 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 19093135 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 19093135 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 19093135 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of service transfer disclosure is missing from the loan file.    
xx 19093135 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 19093135 xx 561 561-882 xx Non-QM QC Complete Florida xx Data Edit Data Edit Active B * Deceased Borrower(s) (Lvl 3) According to the updated title report dated xx/xx/xxxx, the borrower,xx was deceased on xx. However, no details regarding the death certificate or probate has been found in the collection comments.

.		    
xx 19093135 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Rvw shows prop. owner of record is not borr. (Lvl 2) xx    
xx 19093135 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in FL State. The following state disclosures are missing from the loan files.

1.Anti-Coercion Notice
2.Title Insurance Disclosure
3.Radon Gas Disclosure
4.Insurance Sales Disclosure		    
xx 15798825 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 15798825 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 15798825 xx 561 561-882 xx Non-QM QC Complete New York xx Credit DTI Active B * DTI > 60% (Lvl 2) According to the final application, the total monthly income is in the amount of xx and the total monthly expenses are in the amount of $3449.9. Hence, the DTI is greater than xx.    
xx 15798825 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 15798825 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Acct Disclosure is missing from the loan file.    
xx 15798825 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 15798825 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is missing from the loan file.    
xx 15798825 xx 561 561-882 xx Non-QM QC Complete New York xx Legal Docs Mortgage Active B * Mortgage  (Lvl 2) Subject loan was originated under jumbo loan category.    
xx 15798825 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The following state disclosures are missing from the loan file:
1. NY Consumer Credit Disclosure / Fair Credit Reporting Notice.
2. NY Interest Rate Disclosure.
3. NY Hazard Insurance  Disclosure.
4. Tax Escrow Account Designation.
5. Mortgage Bankers and Exempt Organizations Pre-application.
6. Part 80 Disclosure.
7. Alternative Mortgage Transaction Disclosures.
8. Co-Signer Notice Requirements.
9. Default Warning Notice.
10. Smoke Alarm Affidavit.
11. New York Real Property Escrow Account Disclosure.
12. Sub-prime Home Loan Counseling Disclosure.
13. Sub-prime Home Loan Tax and Insurance Payment Disclosure.
14. Sub-prime Home Loan Disclosure.
15. Commitment Disclosure.
16. Lock-in Disclosure.
17. Expiration of Lock-in or Commitment Period.		    
xx 15798825 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA finance charge test.
This loan failed the TILA foreclosure rescission finance charge test.		    
xx 15798825 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA Finance Charge Test: FAIL, Loan Data: $670,788.53, Comparison Data: $671,035.90 and Variance: -$247.37.
This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) )
The finance charge is $671,035.90. The disclosed finance charge of $670,788.53 is not considered accurate because it is
understated by more than $100.
TILA Foreclosure Rescission Finance Charge Test: FAIL, Loan Data: $670,788.53, Comparison Data: $671,035.90 and Variance: -$247.37.
This loan failed the TILA foreclosure rescission finance charge test. ( 12 CFR §1026.23(h) , transferred from 12 CFR
§226.23(h) )
The finance charge is $671,035.90. The disclosed finance charge of $670,788.53 is not considered accurate for purposes of
rescission because it is understated by more than $35.		    
xx 82312577 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 82312577 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 82312577 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 82312577 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Valuation Appraisal Active B * Property is vacant (Lvl 3) As per the collection comment dated xx/xx/xxxx, the property is vacant and secured.    
xx 82312577 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow acct disclosure is missing from the loan file.    
xx 82312577 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from the loan file.    
xx 82312577 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of service transfer disclosure is missing from the loan file.    
xx 82312577 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The required state disclosures are missing from the loan files.

1. Authorization Fees, Charges and Expenses for Federally Related Mortgage Loans
2. Anti-Tying Disclosure
3. Financial Institution Choice of Insurance Disclosure		    
xx 71194491 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 71194491 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 71194491 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal report is missing from the loan file.    
xx 71194491 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final Application is missing from the loan file.    
xx 71194491 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 along with estimated HUD and itemization are missing from the loan file.    
xx 71194491 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 71194491 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Legal Docs Doc Issue Active B * Missing Title evidence (Lvl 4) Final Title Policy along with commitment and preliminary report are missing from the loan file.    
xx 71194491 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of Servicing transfer is missing from the loan file.    
xx 71194491 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) Right of Rescission is missing from loan file.    
xx 71194491 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Data Edit Data Edit Active B * Foreclosure Delay or Contested (Lvl 3) The foreclosure was initiated in xx, the borrower filed answer and affirmative defenses against the foreclosure complaint on xx. The answer and affirmative defense states, 1. The plaintiff has not provided a proper documentation to demonstrating its interest in the Note and Mortgage, 2. Assignment of mortgage by MERS is not valid, 3. Plaintiff failed to comply with RESPA and TILA requirements. No comments available indicating the above matter has been resolved.    
xx 71194491 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider is missing from the loan file.    
xx 71194491 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Oklahoma State. The following required state disclosures are missing from the loan file.
1. OK Title protection notice
2. Insurance Disclosure
3. NSF Fee Disclosure
4. Over-the-limit fees
5. Notice of Rights to Obtain a Security Freeze		    
xx 71194491 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Credit Title Review Active B * Property address changed since origination - address on updated title different from note (Lvl 2) xx    
xx 98502162 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 98502162 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 98502162 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Compliance Ease Risk Indicator is moderate as the loan is failing for TILA APR Test: Charged 0.000%  Allowed 7.315  Over By -7.315%.
Compliance Ease Risk Indicator is moderate as the loan is failing for TILA Right of Rescission Test:		    
xx 98502162 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) Compliance Ease Risk Indicator is moderate as the loan is failing for TILA APR Test: Charged 0.000%  Allowed 7.315  Over By -7.315%.
This loan failed the TILA APR test. ( 12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4) )
The annual percentage rate (APR) is 7.315%. The disclosed APR of 0.000% is not considered accurate because it is more than
1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.		    
xx 98502162 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * ComplianceEase State Regulations Test Incomplete (Lvl 2) Compliance Ease Risk Indicator is moderate as the loan is failing for TILA Right of Rescission Test:
This loan failed the TILA right of rescission test.
Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) ,
transferred from 12 CFR §226.15(a)(3) )		    
xx 98502162 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 98502162 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Following state disclosures are missing from the loan file.
Amortization Schedule Disclosure
Credit Property Insurance Disclosure
Fee Agreement
Priority of Security Instrument Disclosure
Attorney Selection Disclosure		    
xx 98502162 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosures is missing from the loan file.    
xx 98502162 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of service transfer disclosure is missing from the loan file.    
xx 98502162 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by the borrower.    
xx 98502162 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Legal Docs Mortgage Active B * Mortgage  (Lvl 2) Subject loan was originated under jumbo loan category.    
xx 98502162 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 72262465 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 72262465 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 72262465 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 72262465 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 72262465 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
xx 72262465 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 72262465 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 72262465 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider document is missing from the loan file.    
xx 72262465 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in the Kentucky state. The following state disclosures are missing from the loan file.
1.Fair Housing Notice
2.Homeownership Protection Center Disclosures
3.Notice of Free Choice of Agent or Insurer		    
xx 72262465 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to determine operative index value from available documents.    
xx 49849859 xx 561 561-882 xx Non-QM QC Complete Idaho xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 49849859 xx 561 561-882 xx Non-QM QC Complete Idaho xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 49849859 xx 561 561-882 xx Non-QM QC Complete Idaho xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal is missing from the loan file.    
xx 49849859 xx 561 561-882 xx Non-QM QC Complete Idaho xx Data Edit Data Edit Active B * Written or verbal dispute (Lvl 2) As per comment dated xx/xx/xxxx, the missing payment for 2013. The borrower disputing for payment for the amount of $783.71. The borrower not credited from xx. The comment dated xx/xx/xxxx shows the still needs to the proof of payments. Also, the comment dated xx/xx/xxxx, the dispute for escrow amount. The xx was sent another property tax bill. No further details are found regarding payments proof and the issue has been resolved or not.    
xx 49849859 xx 561 561-882 xx Non-QM QC Complete Idaho xx Valuation Property Active B * Property is Manufactured Housing (Lvl 2) As per the appraisal report located at “xx” dated xx which is before 8 months the note date xx. The appraisal report states that the property is a manufactured home and it will be attached to a permanent foundation. The manufacture Home as Real Property document located at “xx” shows the running gear has been removed from the manufactured home and the manufactured home will be permanently affixed to the land. Also, shows the serial# xx and model# xx. The final title policy shows checkbox marked for Alta 7 endorsement for Manufactured Housing Unit.    
xx 49849859 xx 561 561-882 xx Non-QM QC Complete Idaho xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 49849859 xx 561 561-882 xx Non-QM QC Complete Idaho xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by the borrower.    
xx 49849859 xx 561 561-882 xx Non-QM QC Complete Idaho xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 49849859 xx 561 561-882 xx Non-QM QC Complete Idaho xx Credit Doc Issue Active B * Application Missing (Lvl 2) The final application is missing from the loan file.    
xx 49849859 xx 561 561-882 xx Non-QM QC Complete Idaho xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 49849859 xx 561 561-882 xx Non-QM QC Complete Idaho xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider document is missing from the loan file.    
xx 32233081 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 32233081 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 32233081 xx 561 561-882 xx Non-QM QC Complete Arizona xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 32233081 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) list of service providers is missing from the loan files.    
xx 32233081 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated business disclosure is missing from the loan files.    
xx 32233081 xx 561 561-882 xx Non-QM QC Complete Arizona xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) The final HUD-1 is not signed by the borrower.    
xx 32233081 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) The initial escrow acct disclosure is missing from the loan files.    
xx 32233081 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) The loan program disclosure is missing from the loan files.    
xx 32233081 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The notice of service transfer is missing from the loan files.    
xx 32233081 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) The operative index is unable to determine from the available loan file.    
xx 32233081 xx 561 561-882 xx Non-QM QC Complete Arizona xx Valuation Appraisal Active B * Variation in Parcel number(APN#) (Lvl 3) xx    
xx 74104919 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 74104919 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 74104919 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Form Disclosure is missing from the loan file.    
xx 74104919 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Providers is missing from the loan file.    
xx 74104919 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index value is unable to confirm from the available loan file.    
xx 74104919 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 74104919 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer Disclosure is missing from the loan file.    
xx 74104919 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 74104919 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 74104919 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.    
xx 99451964 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 99451964 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 99451964 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) CE TILA test failed due to,
TILA Foreclosure Rescission Finance Charge Test:
This loan failed the TILA foreclosure rescission finance charge test.
 The finance charge is $263,673.38. The disclosed finance charge of $263,573.39 is not considered accurate for purposes of rescission because it is understated by more than $35.		    
xx 99451964 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Doc Issue Active B * Not all borrowers signed TIL (Lvl 2) Final TIL is not executed by borrower.    
xx 99451964 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by borrowers.    
xx 99451964 xx 561 561-882 xx Non-QM QC Complete Washington xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) HUD-1 is not signed by the borrower.    
xx 99451964 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of services providers disclosure is missing from the loan file.    
xx 99451964 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The ComplianceEase risk indicator is "Moderate", due to
This loan failed the TILA foreclosure rescission finance charge test.		    
xx 99451964 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
xx 99451964 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located at "Washington" state and this state requires following disclosures and all are missing from the loan file.

1) Construction Lien Disclosure
2) Mortgage Loan Servicing Disclosure
3) Choice of Insurance Notice		    
xx 58311867 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 58311867 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 58311867 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase risk indicator shows moderate due to Bona Fide Discount Points Test failed.    
xx 58311867 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers document is missing from the loan file    
xx 58311867 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 58311867 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in state of North Carolina. The following state disclosures are missing from the loan file.
Amortization Schedule Disclosure.
Credit Property Insurance Disclosure.
Fee Agreement.
Priority of Security Instrument Disclosure.
Attorney Selection Disclosure.		    
xx 58311867 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the bona fide discount points test. (NC §24-1.1A (c)(1)(b))
The loan is a first lien mortgage and has a principal amount that is greater than or equal to $10,000 and charges discount points that are not paid for the purpose of reducing, and do not in fact result in a bona fide reduction of the interest rate. Points are treated as paid for the purpose of reducing, and in fact result in a bona fide reduction of the interest rate, if they are marked as "Bona Fide - State."		    
xx 25917548 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 25917548 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 25917548 xx 561 561-882 xx Non-QM QC Complete Illinois xx Legal Docs Doc Issue Active B * Title policy missing (Lvl 3) Final title policy is missing from the loan file however title commitment is available in the loan file.    
xx 25917548 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider is missing from the loan file.    
xx 25917548 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The compliance ease risk indicator is moderate due to TILA Finance Charge Test failed.    
xx 25917548 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) The initial escrow account  disclosure is missing in the given loan file.    
xx 25917548 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing in the given loan file.    
xx 25917548 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) xx     
xx 25917548 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA Finance Charge Test: Loan Data : $398,362.79 Comparison Data:  $398,602.72 Variance:  -$239.93, This loan failed the TILA finance charge test.    
xx 64788395 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 64788395 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 64788395 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase risk indicator is Moderate due to TILA failed for Finance Charge Test, Rescission Finance Charge Test and APR Test.    
xx 64788395 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) ComplianceEase TILA Test failed due to Finance Charge Test. As per loan data Finance Charge is $68,272.81. However, comparison data is $93,380.15 and variance is -$25,107.34.
ComplianceEase TILA Test failed due to Foreclosure Rescission Finance Charge Test. As per loan data Foreclosure Rescission Finance Charge is $68,272.81. However, comparison data is $93,380.15 and variance is -$25,107.34.
ComplianceEase TILA Test failed due to APR Test. As per loan data APR is 7.090%. However, comparison data is 8.714% and variance is -1.624%.		    
xx 64788395 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final loan application /1003 is missing from the loan file.    
xx 64788395 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow acct disclosure is missing from the loan file.    
xx 64788395 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The affiliated business form disclosure is missing from the loan file.    
xx 64788395 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The following state disclosures are missing from the loan file.
1. Affidavit of Consideration,
2. Affidavit of Disbursement,
3. First Time Buyers Affidavit,
4. Notice of Right to Select Attorney, Title Insurance Company and Settlement Agent Disclosure,
5. Balloon Payment,
6. No Escrow Account,
7. Mandatory Binding Arbitration Disclosures		    
xx 64788395 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Other Disclosures Active B * Missing Required Disclosures (Lvl 2) The list of service providers disclosure is missing from the loan file.    
xx 64788395 xx 561 561-882 xx Non-QM QC Complete Maryland xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 75264882 xx 561 561-882 xx Non-QM QC Complete Alabama xx Valuation LTV Active B * LTV or CLTV exceeds 104% (Lvl 2) According to the appraised value of the subject property is xx, which is less than that of loan amount of xx. Therefore LTV exceeds xx%.    
xx 75264882 xx 561 561-882 xx Non-QM QC Complete Alabama xx Data Edit Data Edit Active B * Deceased Borrower(s) (Lvl 3) According to the latest collection comment dated xx/xx/xxxx show the subject borrower was deceased however; certificate of death is not available in loan file.    
xx 75264882 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Title Review Active B * Title Rvw shows prop. owner of record is not borr. (Lvl 2) xx    
xx 75264882 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
xx 75264882 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 is missing from the loan file. And there are no estimated HUD-1 / Itemization of fees available in file.    
xx 75264882 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 75264882 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) MI certificate is missing from the loan file.    
xx 75264882 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer document is missing from the loan file.    
xx 75264882 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from the loan file.    
xx 75264882 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from loan file.    
xx 75264882 xx 561 561-882 xx Non-QM QC Complete Alabama xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) The chain of assignment is complete; but there is gap between “xx”.    
xx 75264882 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 75264882 xx 561 561-882 xx Non-QM QC Complete Alabama xx Modification Doc Issue Active B * Loan appears modified. Mod missing or unexecuted (Lvl 4) This is conventional fixed rate mortgage with P&I of $604.68 with the rate of interest 13.64% and a maturity date of xx. The prior payment history and document (xx) show that loan had modified on an effective date xx with modified rate 5.25% and P&I is $265.00. However, the modification document is missing from loan file.    
xx 48875129 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 48875129 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 48875129 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) xx    
xx 48875129 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Compliance Ease Risk Indicator is moderate as the loan is failing for TILA Finance Charge Test:: Charged $297,615.95  Allowed $298,101.72 Over By -$485.77.    
xx 48875129 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) Compliance Ease Risk Indicator is moderate as the loan is failing for TILA Finance Charge Test:: Charged $297,615.95  Allowed $298,101.72 Over By -$485.77.

This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) )
The finance charge is $298,101.72. The disclosed finance charge of $297,615.95 is not considered accurate because it is
understated by more than $100.		    
xx 48875129 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final is not hand dated by borrower    
xx 48875129 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Not all borrowers signed TIL (Lvl 2) Final is not signed by borrower    
xx 48875129 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Following state disclosures are missing from the loan file
Affidavit of Consideration
Affidavit of Disbursement
First Time Buyers Affidavit
Balloon Payment
No Escrow Account
Mandatory Binding Arbitration Disclosures		    
xx 48875129 xx 561 561-882 xx Non-QM QC Complete Maryland xx Modification Doc Issue Active B * Loan appears modified. Mod missing or unexecuted (Lvl 3) Latest Payment made on xx  with the amount of $876.06 and the interest rate of 5.750% which is as per the latest xx modification document but it is not executed by the borrower.    
xx 48875129 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from the loan file.    
xx 48875129 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) LTV is xx  which is greater than xx hence MI certificate is required; however, it is missing from the loan file.    
xx 48875129 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 84488175 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 84488175 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 84488175 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 84488175 xx 561 561-882 xx Non-QM QC Complete Washington xx Legal Docs Legal Docs Active B * Updated title review shows IRS / vehicle / federal / personal tax liens (Lvl 2) According to updated title report dated xx/xx/xxxx, there is a xx.    
xx 84488175 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 84488175 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 84488175 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Other Disclosures Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosures is missing from the loan file.    
xx 84488175 xx 561 561-882 xx Non-QM QC Complete Washington xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 84488175 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Washington state. The following state disclosures are missing from the loan file.
1. Mortgage Loan Servicing Disclosure
2. Choice of Insurance Notice
3. Purchase Money Residential Mortgage Loan Closing Valuation Disclosure
4. Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 89539839 xx 561 561-882 xx Non-QM QC Complete New Mexico xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan file.    
xx 89539839 xx 561 561-882 xx Non-QM QC Complete New Mexico xx NPL General Active B * SOL - Statute of Limitations Issue (Lvl 3) As per servicing comment dated xx/xx/xxxx, statute of limitations is initiated on the loan. however, there is no information found that matter is resolved or not.    
xx 89539839 xx 561 561-882 xx Non-QM QC Complete New Mexico xx Credit Credit Active B * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 is missing from the loan file. however, estimated HUD-1 is available in the loan file (xx).    
xx 89539839 xx 561 561-882 xx Non-QM QC Complete New Mexico xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by borrower.    
xx 89539839 xx 561 561-882 xx Non-QM QC Complete New Mexico xx Credit Doc Issue Active B * Not all borrowers signed TIL (Lvl 2) Final TIL is not signed by the borrower.    
xx 89539839 xx 561 561-882 xx Non-QM QC Complete New Mexico xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider is missing from the loan file.    
xx 89539839 xx 561 561-882 xx Non-QM QC Complete New Mexico xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) MI Certificate is missing from the loan file.    
xx 89539839 xx 561 561-882 xx Non-QM QC Complete New Mexico xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 89539839 xx 561 561-882 xx Non-QM QC Complete New Mexico xx Compliance Compliance Active B * ComplianceEase Exceptions Test Failed (Lvl 2) This loan failed the RESPA "Title Services and Lender Title Insurance" (1101) validation test.
The loan provides a value of $1,137.22 for "Title Services and Lender Title Insurance." However, the sum of all component fees, $1,187.22, does not equal the value entered for "Title Services and Lender Title Insurance." There is a difference of $-50.00.
If any "Title Services and Lender Title Insurance" component fees are provided to ComplianceAnalyzer, then all component fees that contribute to the total "Title Services and Lender Title Insurance" should be provided and their sum must reflect the total "Title Services and Lender Title Insurance." This is necessary in order to correctly calculate the loan finance charge and
APR.		    
xx 89539839 xx 561 561-882 xx Non-QM QC Complete New Mexico xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the RESPA "Title Services and Lenders Title Insurance" (1101) validation test.    
xx 52283442 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 52283442 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 52283442 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) list of service providers is missing from the loan files.    
xx 52283442 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Mortgage Active B * Mortgage  (Lvl 2) Subject loan was originated under jumbo loan category.    
xx 52283442 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Application Missing (Lvl 2) The final loan application is missing from the loan files.    
xx 52283442 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) The loan program disclosure is missing from the loan files.    
xx 52283442 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The notice of service transfer is missing from the loan files.    
xx 52283442 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) The operative index value is unable to determine from the available loan files.    
xx 52283442 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The property is located in CA state, the following required state disclosures are missing from the loan files.
Impound Account Disclosure
Cosigner Notice
Private Mortgage Insurance Disclosure
Hazard Insurance Disclosure
Insurer RecommendationDisclosure
Anti-Tying Disclosure
Privacy Notice
Notice of Right to Copy of Appraisal
Application for Credit-Married Persons
Fair Debt Collection Notice
Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 52283442 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) The ROR is not hand dated by the borrower.    
xx 52283442 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Title Issue Active B * Title issue (Lvl 3) The successor and/or assignee clause is missing from the short form title policy.    
xx 43718772 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 43718772 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 43718772 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated Business Disclosure is missing from the loan file.    
xx 43718772 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Property Active B * Property Damage (Lvl 2) The comment dated xx/xx/xxxx reflects that the subject property had damaged due to hurricane including the uprooted trees and fencing of roof. The estimated cost of repairs has not been found. No information pertaining to completion of repairs have been found.The borrower has not yet contacted the insurance carrier.    
xx 43718772 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Application Missing (Lvl 2) The final application is missing from the loan file.    
xx 43718772 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) The Initial escrow acct disclosure is missing from the loan file.    
xx 43718772 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of Service Providers Disclosure is missing from the loan file.    
xx 43718772 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The property is located in the state of Florida. The following state disclosures are missing from the loan file.
1. Anti-Coercion Notice
2.Radon Gas Disclosure
3.Insurance Sales Disclosure		    
xx 43718772 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 43718772 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 43718772 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.
The finance charge is $215,581.07. The disclosed finance charge of $175,365.05 is not considered accurate because it is understated by more than $100.
This loan failed the TILA foreclosure rescission finance charge test.
The finance charge is $215,581.07. The disclosed finance charge of $175,365.05 is not considered accurate for purposes of rescission because it is understated by more than $35.
This loan failed the TILA APR test.
The annual percentage rate (APR) is 8.126%. The disclosed APR of 7.058% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.		    
xx 43718772 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA finance charge test.
This loan failed the TILA foreclosure rescission finance charge test.
This loan failed the TILA APR test.		    
xx 98180208 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 98180208 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 98180208 xx 561 561-882 xx Non-QM QC Complete Michigan xx Credit Doc Issue Active B * Application Missing (Lvl 2) "Final loan application / 1003 is missing from the loan file."    
xx 98180208 xx 561 561-882 xx Non-QM QC Complete Michigan xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business form is missing from the loan file.    
xx 98180208 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan.    
xx 98180208 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider disclosure is missing from the loan file.    
xx 98180208 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The property is located in the Michigan (MI) state.
The below disclosures are missing from the loan file.
1.MI Borrower's Bill of Rights
2.MI Consumer Caution and Homeownership Counseling Notice
3.Choice of Insurance Agent		    
xx 98180208 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan is failed TILA Finance Charge Test, TILA Foreclosure Rescission Finance Charge Test, TILA APR Test, TILA Right of Rescission Test    
xx 98180208 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan is failed TILA Finance Charge Test: Fail, Loan Data:$136,624.55  Comparison Data:$172,315.63,  Variance:-$35,691.08
This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) )
The finance charge is $172,315.63. The disclosed finance charge of $136,624.55 is not considered accurate because it is
understated by more than $100.

TILA Foreclosure Rescission Finance Charge Test:Loan Data:$136,624.55  Comparison Data:$172,315.63,  Variance:-$35,691.08
This loan failed the TILA foreclosure rescission finance charge test. ( 12 CFR §1026.23(h) , transferred from 12 CFR
§226.23(h) )
The finance charge is $172,315.63. The disclosed finance charge of $136,624.55 is not considered accurate for purposes of
rescission because it is understated by more than $35.


TILA APR Test:Loan Data:7.359% Comparison Data:8.533%  Variance-1.174%.
This loan failed the TILA APR test. ( 12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4) )
The annual percentage rate (APR) is 8.533%. The disclosed APR of 7.359% is not considered accurate because it is more than
1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.

TILA Right of Rescission Test:FAIL
This loan failed the TILA right of rescission test.
Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) ,
transferred from 12 CFR §226.15(a)(3) )
The funding date is before the third business day following consummation.
The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the
notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last.		    
xx 21023241 xx 561 561-882 xx Non-QM QC Complete Arkansas xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 21023241 xx 561 561-882 xx Non-QM QC Complete Arkansas xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 21023241 xx 561 561-882 xx Non-QM QC Complete Arkansas xx Credit DTI Active B * DTI > 60% (Lvl 2) According to final application the total monthly income of the borrower is in the amount of xx and the total monthly expenses are in the amount of $4604.49 hence, DTI is exceeding xx%.    
xx 21023241 xx 561 561-882 xx Non-QM QC Complete Arkansas xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from loan file.    
xx 21023241 xx 561 561-882 xx Non-QM QC Complete Arkansas xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Collection comments are available from xx/xx/xxxx till xx/xx/xxxx; however as we require latest 24 months collection comments. Comment history is missing from xx/xx/xxxx till xx/xx/xxxx.    
xx 21023241 xx 561 561-882 xx Non-QM QC Complete Arkansas xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD-1 is not signed by the borrower.    
xx 21023241 xx 561 561-882 xx Non-QM QC Complete Arkansas xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Acct Disclosure is missing from loan file.    
xx 21023241 xx 561 561-882 xx Non-QM QC Complete Arkansas xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) LTV is xx  which is greater than xx hence MI certificate is required; however, it is missing from the loan file.    
xx 21023241 xx 561 561-882 xx Non-QM QC Complete Arkansas xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) TIL is not hand dated by the borrower.    
xx 21023241 xx 561 561-882 xx Non-QM QC Complete Arkansas xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to calculate operative index value from the loan file.    
xx 73093372 xx 561 561-882 xx Non-QM QC Complete Alabama xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal report at the time of loan origination is missing from the loan file.    
xx 73093372 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 /application is missing from the loan file.    
xx 73093372 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 is missing from the loan file. And there are no estimated HUD-1 / Itemization of fees available in file.    
xx 73093372 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by borrower.    
xx 73093372 xx 561 561-882 xx Non-QM QC Complete Alabama xx NPL NPL Active B * Payment History is not Complete (Lvl 3) Prior payment history is available in the file from xx/xx/xxxx to xx/xx/xxxx and xx/xx/xxxx to xx/xx/xxxx. However, we require latest 12 months payment history; the latest payment history is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 73093372 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Servicing comments are available in the file from xx/xx/xxxx  till xx/xx/xxxx however, we require latest 24 months comments history; Servicing comments are missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 73093372 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business agreement disclosure is missing from the loan file.    
xx 73093372 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) The ROR is missing from the loan file.    
xx 42265412 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 42265412 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 42265412 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business form is missing from the loan file.    
xx 42265412 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Data Edit Data Edit Active B * Excessive Property Damage Noted (Lvl 3) As per the collection comment dated xx/xx/xxxx, Subject property had damage due to wind/Hail and loss amount was $10,001.00. The Final draw loss draft from the xx in the amount of $12,268.50 payable to xx. and the document was located at "xx " from the loan files. As per comment dated xx/xx/xxxx states that the check amount is $12268.50 check date was xx. As per comment dated xx/xx/xxxx, final inspection result received on xx/xx/xxxx which states that the all repairs have been completed.    
xx 42265412 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Comment history is available in the file from xx/xx/xxxx toxx/xx/xxxx; however, we require latest 24 months comment history; Comment history is missing from xx/xx/xxxx toxx/xx/xxxx    
xx 42265412 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Following are the state disclosure which are missing from the loan file.
1.MN Notice of Right to Discontinue Escrow
2.Interest Rate or Discount Point Agreement
3.Conditional Qualification/Approval Disclosure
4.Insurance Disclosure		    
xx 42265412 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan.    
xx 42265412 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider disclosure is missing from the loan file.    
xx 42265412 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing Transfer Document form is missing from the loan file.    
xx 42265412 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Valuation Appraisal Active B * Variation in Parcel number(APN#) (Lvl 2) xx    
xx 76444916 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 76444916 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 76444916 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 76444916 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by borrower.    
xx 76444916 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * Application Missing (Lvl 2) The final application is missing from the loan file.    
xx 76444916 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comments are only available from xx/xx/xxxx to xx/xx/xxxx as we required 24 months of servicing comment history. However, the servicing comments is missing from xx/xx/xxxx to xx/xx/xxxx in the loan file.    
xx 76444916 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 65432265 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Valuation Property Active B * Property Damage (Lvl 2) According to the servicing comment dated xx/xx/xxxx, the borrower stating that the subject property was damaged due to mold and the insurance company did not cover the cost.
No details were found regarding the insurance claim. Details regarding repairs are unavailable.
Unable to determine the current condition of the subject property as the BPO report is not available in the loan file.		    
xx 65432265 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) According to the updated title report dated xx/xx/xxxx, the chain of the assignment has been completed. The last assignment was done from xx. However, there is a break in an assignment which was made between xx.    
xx 65432265 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
xx 65432265 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 along with estimated HUD and itemization are missing from the loan file.    
xx 65432265 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 65432265 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan file.    
xx 65432265 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated Business Disclosure Document is missing from the loan file.    
xx 65432265 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 65432265 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service providers document is missing from the loan file.    
xx 65432265 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Legal Docs Note / Mod Active B * Lost Note Affidavit (Lvl 3) The lost note affidavit has been found in the loan file located at “xx”, which states that the original note has been misplaced or destroyed. However, the duplicate copy of note is available in the loan file.    
xx 65432265 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The notice of servicing transfer disclosure is missing from the loan file.    
xx 65432265 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in New Jersey State. The following required state disclosures are missing from the loan file.
1. NJ Application Disclosure
2. Delivery Fee Authorization
3. NJ Attorney Disclosure
4. Unacceptability of Insurance Notice
5. Attorney Disclosure II
6. Tax Bill Information
7. Private Well Testing
8. Lock-In Agreement
9. Commitment Disclosures
10. Choice of Insurer Disclosure
11. Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 43969017 xx 561 561-882 xx Non-QM QC Complete Texas xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 43969017 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business form is missing from the loan file.    
xx 43969017 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrowers.    
xx 43969017 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Other Disclosures Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from the loan file.    
xx 43969017 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer disclosure is missing from the loan file.    
xx 43969017 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) xx     
xx 34550264 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 34550264 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 34550264 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 34550264 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
xx 34550264 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Following are the required state disclosures missing from the loan file;
Authorization Fees, Charges and Expenses for Federally Related Mortgage Loans
Anti-Tying Disclosure
Financial Institution Choice of Insurance Disclosure		    
xx 34550264 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider is missing from the loan file.    
xx 34550264 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) LTV is xx  which is greater than xx hence MI certificate is required; however, it is missing from the loan file.    
xx 50149462 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 50149462 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 50149462 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) An affiliated business disclosure is missing from the loan file.    
xx 50149462 xx 561 561-882 xx Non-QM QC Complete Texas xx Valuation Property Active B * Property Damage (Lvl 2) As per the comment dated xx/xx/xxxx, the subject property has repairs. The property was damaged due to hurricane xx. No details were found regarding the insurance claim. The details regarding repairs are unavailable. The latest BPO report is not available in the loan file to determine the current condition of the subject property.    
xx 50149462 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of servicing providers disclosure is missing from the loan file.    
xx 50149462 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) xx     
xx 50149462 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) This is a conventional loan. The LTV at the origination was xx%. The tape data does not reflect MI required. The Final 1003 reflects monthly MI in the amount of xx; however, MI certificate is missing in the loan file.    
xx 73846323 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 73846323 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 73846323 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 73846323 xx 561 561-882 xx Non-QM QC Complete Ohio xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) As per the updated title dated xx/xx/xxxx show that chain of assignment is incomplete as there are no assignments were found. The current assignee should be ‘xx.’.    
xx 73846323 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 73846323 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Providers is missing from the loan file.    
xx 73846323 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Ohio State. The following required state disclosures are missing from the loan file. 1.Equal Credit Availability Notice 2.Insurance Tying Disclosure 3.Non-Deposit Insurance Disclosure    
xx 73846323 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) TILA APR Test: FAIL  Loan Data : 0.000%  Comparison data : 7.271%  Variance : -7.271%    
xx 73846323 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA APR Test: FAIL  Loan Data : 0.000%  Comparison data : 7.271%  Variance : -7.271% This loan failed the TILA APR test.  The annual percentage rate (APR) is 7.271%. The disclosed APR of 0.000% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.    
xx 50895623 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 50895623 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 50895623 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from loan file.    
xx 50895623 xx 561 561-882 xx Non-QM QC Complete Georgia xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) As per the review of updated title report dated xx/xx/xxxx, the chain of the assignment has not been completed. Currently, the mortgage is with xx.    
xx 50895623 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Title Review Active B * Active State Tax Lien Judgement. (Lvl 2) As per the review of updated title report dated xx/xx/xxxx, there are 3 State tax liens First in favor of   xx.    
xx 50895623 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from loan file.    
xx 50895623 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Providers disclosure is missing from loan file.    
xx 50895623 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of Service Transfer disclosure is missing from loan file.    
xx 50895623 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by the borrower.    
xx 50895623 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The Disclosure of Additional Fees is missing from the loan file.    
xx 50895623 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA APR test. ( 12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4) )
The annual percentage rate (APR) is 7.684%. The disclosed APR of 0.000% is not considered accurate because it is more than
1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.		    
xx 50895623 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) TILA APR Test: FAIL 0.000% 7.684% -7.684%.    
xx 97892686 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 97892686 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 97892686 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Valuation Property Active B * Property Damage (Lvl 2) According to comment dated xx/xx/xxxx, the subject property was damaged and the check in the amount of $3,065.91 was issued by xx. The nature of damage is unable to determine from the collection comment. The comment dated xx/xx/xxxx states that the draw in the amount of $1,532.96 has been ordered. The comment dated xx/xx/xxxx states that inspection has been performed on xx/xx/xxxx and 100% work has been completed. No further comment has been found in the collection regarding damage. No latest BPO report is available in the loan file.    
xx 97892686 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 97892686 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal report is missing from the loan file.    
xx 97892686 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final loan application is missing from the loan file.    
xx 97892686 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 97892686 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Provider Disclosure is missing from the loan file.    
xx 97892686 xx 561 561-882 xx Non-QM QC Complete Louisiana xx NPL General Active B * Describe the BK payment plan (Lvl 2) xx    
xx 97892686 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The Servicing Transfer Disclosure is missing from the loan file.    
xx 97892686 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 2) xx    
xx 97892686 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in the Louisiana state. The following state disclosures are missing from the loan file:
1.Authorization Fees, Charges and Expenses for Federally Related Mortgage Loans
2.Anti-Tying Disclosure
3.Financial Institution Choice of Insurance Disclosure		    
xx 97892686 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 3) This is a conventional loan. LTV at the origination was xx%. Final HUD-1 reflects Monthly MI payment in the amount of xx. Tape data reflects MI coverage percentage as xx% and Mi company as xx However, MI certificate is missing from the loan file.    
xx 97892686 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA APR test.    
xx 97892686 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA APR Test: Loan Data : 0.000%  Comparison Data :8.250% Variance : -8.250%.
This loan failed the TILA APR test.
The annual percentage rate (APR) is 8.250%. The disclosed APR of 0.000% is not considered accurate because it is more than
1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.		    
xx 78194272 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 78194272 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 78194272 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan files.    
xx 78194272 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) list of service providers is missing from the loan files.    
xx 78194272 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan files.    
xx 78194272 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Service Transfer Disclosure is missing from the loan files.    
xx 78194272 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 78194272 xx 561 561-882 xx Non-QM QC Complete Tennessee xx NPL General Active B * Describe the BK payment plan (Lvl 2) xx    
xx 78194272 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in TennesseeState. The following required state disclosures are missing from the loan file.
1. Placement of Insurance Disclosure
2. Availability of Title Insurance
3. TN Consent to Disclosure of Insurance Information
4. Choice of Agent/insurer
5. Insurance Solicitation/Post Commitment		    
xx 78194272 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 2417644 xx 561 561-882 xx Non-QM QC Complete Texas xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An Appraisal report is missing in the given loan file.    
xx 2417644 xx 561 561-882 xx Non-QM QC Complete Texas xx Valuation Valuation Active B * Property Damage (Lvl 3) As per servicing commentsxx/xx/xxxx, the subject property was damaged due to hail, storm and lighting on xx/xx/xxxx.
The borrower has filed insurance with claim amount $12,094.47.
The borrower received check in the amount of $4,794.45.
No further details have been found. Latest BPO also not found. Hence, unable to determine whether the damages have been repaired or not.
As per servicing comments xx/xx/xxxx, the property is occupied by the owner.		    
xx 2417644 xx 561 561-882 xx Non-QM QC Complete Texas xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) As per the review of updated title report dated xx/xx/xxxx shows that the chain of the assignment is incomplete.
The latest assignment was from xx.
It should assign to xx.		    
xx 2417644 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Collection comments are available from xx/xx/xxxx toxx/xx/xxxx. However, we require latest 24 months collection. Hence, comment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 2417644 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Application Missing (Lvl 2) The Final 1003, is missing in the loan file.    
xx 2417644 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) The Final TIL is missing from the given loan file.    
xx 2417644 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) The HUD-1 is missing along with Estimated HUD-1 and Itemization documents from the given loan file.    
xx 2417644 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The Notice of servicing Transfer document is missing in the given loan file.    
xx 2417644 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Required Affiliated Business disclosure document is missing in the given loan file.    
xx 2417644 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) xx     
xx 69627884 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 69627884 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 69627884 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) According to a review of the updated title report dated xx/xx/xxxx, the chain of assignment has not been completed. Currently, the mortgage is with xx. Missing assignment to xx.    
xx 69627884 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is missing from the loan file.    
xx 69627884 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Legal Docs Doc Issue Active B * Missing Title evidence (Lvl 4) Final Title Policy at origination is missing from the loan file. Also is no title commitment or preliminary title policy available in the loan file.    
xx 69627884 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosures is missing from the loan file.    
xx 69627884 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing Transfer disclosure is missing from loan file.    
xx 69627884 xx 561 561-882 xx Non-QM QC Complete Tennessee xx NPL General Active B * Describe the BK payment plan (Lvl 2) xx    
xx 69627884 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 69627884 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The following disclosures are missing from the loan file,

1.Placement of Insurance Disclosure
2.Availability of Title Insurance
3.TN Consent to Disclosure of Insurance Information
4.Choice of Agent/insurer
5.Insurance Solicitation/Post Commitment		    
xx 74151857 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 74151857 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 74151857 xx 561 561-882 xx Non-QM QC Complete Ohio xx Valuation Property Active B * Property Damage (Lvl 2) As per the comment dated xx/xx/xxxx, there was potential property damage reported. The nature of damage was due to flood. The Estimated cost of damage is unavailable. The claim was filed with the insurance company with the claim number #xx   , check date is not available and check the amount of $11,351.As per the servicing comments no comments found regarding the repairs were completed. The latest BPO report is not available in the loan file to determine the current condition of the subject property.    
xx 74151857 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Bellow disclosures are missing from loan file;
Equal Credit Availability Notice
Insurance Tying Disclosure
Non-Deposit Insurance Disclosure		    
xx 74151857 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 74151857 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer missing from loan file.    
xx 74151857 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Require affiliated Business Disclosure is missing from loan file.    
xx 74151857 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) TIL is not hand dated by borrowers.    
xx 74151857 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) TILA Finance Charge Test: FAIL Loan Data  xx Comparison Data xx  Variance -xx    
xx 74151857 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA Finance Charge Test: FAIL Loan Data:$208,947.74 Comparison Data:$209,087.74 Variance:-$140.00
This loan failed the TILA finance charge test.
The finance charge is $209,087.74. The disclosed finance charge of $208,947.74 is not considered accurate because it is
understated by more than $100.		    
xx 73158053 xx 561 561-882 xx Non-QM QC Complete Indiana xx Valuation Property Active B * Property Damage (Lvl 3) As per the collection comment xx/xx/xxxx, the property had a damage. The property needed repairs in the amount of $5,459.29. The nature of the damage is unavailable. The insurance claim in the amount of $5,459.29 was issued by Erie Insurance Exchange to Wells Fargo. The BPO report is missing to validate any repairs. No comments have been found stating these damages have been repaired.    
xx 73158053 xx 561 561-882 xx Non-QM QC Complete Indiana xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) As per the review of the updated title report dated xx/xx/xxxx, the chain of assignment has not been completed. Currently, the mortgage is with xx.    
xx 73158053 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 73158053 xx 561 561-882 xx Non-QM QC Complete Indiana xx Legal Docs Legal Docs Active B * Updated title review shows IRS / vehicle / federal / personal tax liens (Lvl 2) As per the updated title, there are 2 Federal Tax liens active in the favor of xx in the
First which was recorded on xx.
However, the SSN# is not provided for validity of the liens		    
xx 73158053 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated Business Disclosure is missing from the loan file.    
xx 73158053 xx 561 561-882 xx Non-QM QC Complete Indiana xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) The Appraisal at the time of origination is missing from the loan file.    
xx 73158053 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Doc Issue Active B * Application Missing (Lvl 2) The Final Application is missing from the loan file.    
xx 73158053 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) The Final HUD-1 along with estimated HUD and itemization are missing from the loan file.    
xx 73158053 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) The Final TIL is missing from the loan file.    
xx 73158053 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) The Initial Escrow Account Disclosure is missing from the loan file.    
xx 73158053 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) The ROR is missing from the loan file.    
xx 73158053 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The Servicing Transfer Disclosure is missing from the loan file.    
xx 73158053 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in the Indiana state. The following state disclosures are missing from the loan file:

1.Hazard Insurance Disclosure
2.Federal Consumer Credit Protection Act Disclosure
3.Insurance Freedom of Choice Disclosure		    
xx 73158053 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Title Review Active B * Property address changed since origination - address on updated title different from note (Lvl 2) xx    
xx 9122864 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 9122864 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 9122864 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) CE Risk indicator is Moderate due to the TILA APR test.
 Result FAILLoan Data 0.000% Comparison Data 7.170% Variance -7.170%		    
xx 9122864 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) CE TILA test failed due to TILA APR test.
The annual percentage rate (APR) is 7.170%. The disclosed APR of 0.000% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.		    
xx 9122864 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Servicing comments are available in the file from xx/xx/xxxx to xx/xx/xxxx and one comment dated on xx/xx/xxxx, however, we require latest 24 months comments history; Servicing comments are missing from xx/xx/xxxx toxx/xx/xxxx and from xx/xx/xxxx to xx/xx/xxxx.    
xx 9122864 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated business disclosure is missing from the loan files.    
xx 9122864 xx 561 561-882 xx Non-QM QC Complete Washington xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) The final HUD-1 is not signed by the borrower.    
xx 9122864 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) The final TIL is missing from the loan files.    
xx 9122864 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The notice of service transfer is missing from the loan files.    
xx 9122864 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) The ROR is missing from the loan files.    
xx 9122864 xx 561 561-882 xx Non-QM QC Complete Washington xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 9122864 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 99892285 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 99892285 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 99892285 xx 561 561-882 xx Non-QM QC Complete Georgia xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 99892285 xx 561 561-882 xx Non-QM QC Complete Georgia xx Data Edit Data Edit Active B * Deceased Borrower(s) (Lvl 3) According to the updated title report dated xx/xx/xxxx, the borrower,xx was deceased on xx. However, no details regarding the death certificate or probate has been found in the collection comments.

.		    
xx 99892285 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 99892285 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comments are available from xx/xx/xxxx to xx/xx/xxxx. However, we require the latest 24 months’ servicing comments. The servicing comments are missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 99892285 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Georgia State. The following state disclosures are missing in the loan file: 1. Waiver of Borrowers Rightsand Closing Attorney Affidavit (not required by law but provided as a matter of custom). 2. Disclosure of Additional Fees.    
xx 68380686 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 68380686 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 68380686 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) The final TIL is not hand dated by the borrower.    
xx 68380686 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service providers disclosure is missing from the loan file.    
xx 68380686 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in New York State. The following state disclosures are missing from the loan file.
1.NY Consumer Credit Disclosure / Fair Credit Reporting Notice
2.NY Interest Rate Disclosure
3.Tax Escrow Account Designation
4.Mortgage Bankers and Exempt Organizations Preapplication
5.Part 80 Disclosure
6.Alternative Mortgage Transaction Disclosures
7.Co-Signer Notice Requirements
8.Default Warning Notice
9.Smoke Alarm Affidavit
10.New York Real Property Escrow Account Disclosure
11.Subprime Home Loan Counseling Disclosure
12.Subprime Home Loan Tax and Insurance Payment Disclosure
13.Subprime Home Loan Disclosure
14.Commitment Disclosure
15.Lock-in Disclosure
16.Expiration of Lock-in or Commitment Period		    
xx 52539675 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 52539675 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 52539675 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business form is missing from the loan file.    
xx 52539675 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Below mentioned required state disclosures are missing from the loan file:
1. NJ Application Disclosure
2. Delivery Fee Authorization
3. NJ Attorney Disclosure
4. Unacceptability of Insurance Notice
5. Attorney Disclosure II
6. Tax Bill Information
7. Private Well Testing
8. Lock-In Agreement
9. Commitment Disclosures
10. Choice of Insurer Disclosure
11. Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 52539675 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow disclosure is missing from the loan file.    
xx 52539675 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers document is missing from the loan file.    
xx 52539675 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test.
Loan Data $350.00 Comparison Data $0.00 Variance +$350.00		    
xx 52539675 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.
Loan Data $83,409.22 Comparison Data $83,534.22 Variance -$125.00		    
xx 52539675 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA finance charge test.
This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test.		    
xx 39258790 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 39258790 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 39258790 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Valuation Property Active B * Property is Manufactured Housing (Lvl 2) Home not affixed --- An Appraisal Report at the origination located at states that the property is a manufactured home and checklist along with appraisal report shows property has been fixed with land. Short form final title policy shows check box marked for Alta-7 endorsement (manufactured housing); however, Alta-7 endorsement is not attached with the policy. VIN# is not available on the legal description of the recorded mortgage document. Also, affidavit of affixation is missing from the loan files. The Tax report from the Updated title shows separate assessment for Land and Improvement. Hence, unable to determine whether the home is attached to the permanent concrete foundation. (seller response received on 12/10 confirming the ALTA 7 endorsement was being part of TPOL, hence this can be downgraded.)    
xx 39258790 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) xx    
xx 39258790 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated business disclosure is missing from the loan file.    
xx 39258790 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) The chain of assignment is incomplete as there is a break in chain of assignment from xx to xx.    
xx 39258790 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider’s disclosure is missing from the loan file.    
xx 39258790 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in the state of South Carolina. The following disclosures are missing from the loan file.
1.Agent Preference Disclosure.
2.Casualty Insurance Disclosure.
3.Manufactured Home Loan  Disclosures.		    
xx 39258790 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 82273326 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 82273326 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 82273326 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Form is missing from the loan file.    
xx 82273326 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
xx 82273326 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Valuation Property Active B * Property is Manufactured Housing (Lvl 2) Home has been affixed. According to the appraisal report dated xx/xx/xxxx located at “xx”, the subject property type is manufactured housing. Updated title report dated xx and also, as per affidavit of affixation recorded on xx/xx/xxxx located at “xx”, the wheels and axles have been removed and the manufactured home is permanently connected to a septic tank or sewage system and other utilities such as electricity, water, and natural gas. As per affixation affidavit, the manufactured home has been permanently affixed to the land.    
xx 82273326 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan file.    
xx 82273326 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Providers Disclosures is missing from the loan file.    
xx 82273326 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by the borrower.    
xx 82273326 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Title Review Active B * Title Rvw shows prop. owner of record is not borr. (Lvl 2) xx    
xx 82273326 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in TN state. The following state disclosure is missing from the loan file.  Placement of Insurance Disclosure Availability of Title Insurance TN Consent to Disclosure of Insurance Information Choice of Agent/insurer Insurance Solicitation/Post Commitment    
xx 82273326 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) This is a conventional loan. LTV as per appraised value is xx%. Final HUD-1 shows monthly MI payment in the amount of xx. However, MI certificate is missing from the loan file.    
xx 37857502 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 37857502 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 37857502 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 37857502 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) xx    
xx 37857502 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated business disclosure is missing from loan file.    
xx 37857502 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) The final HUD-1 is not signed by the borrower.    
xx 37857502 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) The final TIL is not hand  dated by the borrower.    
xx 37857502 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider's disclosure is missing from loan file.    
xx 37857502 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 37857502 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in the state of Minnesota. The following disclosures are missing from loan file.
1.MN Notice of Right to Discontinue Escrow.
2.Interest Rate or Discount Point Agreement.
3.Conditional Qualification/Approval Disclosure.
4.Insurance Disclosure.		    
xx 63088512 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 63088512 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 63088512 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from loan files    
xx 63088512 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Comment history is available only from xx/xx/xxxx toxx/xx/xxxx, however missing from xx/xx/xxxx toxx/xx/xxxx (5-months latest comment history is missing) ; however we required latest 24 months comment history    
xx 63088512 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Credit Active B * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 is missing from loan files as points and fees are hand dated.    
xx 63088512 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) MI certificate is missing from loan files    
xx 63088512 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) NY Consumer Credit Disclosure / Fair Credit Reporting Notice, NY Interest Rate Disclosure, Mortgage Bankers and Exempt Organizations Pre application, Expiration of Lock-in or Commitment Period are missing from loan files    
xx 62476332 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 62476332 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 62476332 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated business disclosure is missing from the loan file.    
xx 62476332 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Property Active B * Property Damage (Lvl 2) The comment dated xx/xx/xxxx states that the property had a prior damage and the repairs are still under process. The comment dated xx/xx/xxxx reflects that the property was damaged due to the hurricane. The nature of damage has not been reported. No information pertaining to completion of repairs and an insurance claim has been found. According to the comment dated xx/xx/xxxx the cheque of claim has been endorsed and released for the amount of $6054.25 against the hail, storm and lightning damage.    
xx 62476332 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) The final TIL is not hand dated by the borrower.    
xx 62476332 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of Service Provider's disclosure is missing from the loan file.    
xx 62476332 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) The ROR is not hand dated by the borrower.    
xx 62476332 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Property Active B * Subject property is located in a FEMA designated disaster area (recent). (Lvl 2) The subject property is located in a FEMA designated disaster area (recent-xx/xx/xxxx).
However, the collection comments received as of xx/xx/xxxx states the prior damage. The comment dated xx/xx/xxxx states that the property had a prior damage and the repairs are still under process. The comment dated xx/xx/xxxx reflects that the property was damaged due to the hurricane. The nature of damage has not been reported. No information pertaining to completion of repairs and an insurance claim has been found. According to the comment dated xx/xx/xxxx the cheque of claim has been endorsed and released for the amount of $6054.25 against the hail, storm and lightning damage.		    
xx 62476332 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Florida State. The following required state disclosures are missing from the loan file.
1.Anti-Coercion Notice.
2.Title Insurance Disclosure.
3.Radon Gas Disclosure.
4.Insurance Sales Disclosure.		    
xx 40070223 xx 561 561-882 xx Non-QM QC Complete Utah xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 40070223 xx 561 561-882 xx Non-QM QC Complete Utah xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 40070223 xx 561 561-882 xx Non-QM QC Complete Utah xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 40070223 xx 561 561-882 xx Non-QM QC Complete Utah xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in NY State. The following state disclosures are missing in the loan files.
Fee Disclosure
Loan Application Notice
Servicer Disclosure
Notice of Change of Terms For Open-End Consumer Credit Contract
Disclosure of Debtor’s Waiver of Class Action		    
xx 98912710 xx 561 561-882 xx Non-QM QC Complete Missouri xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 98912710 xx 561 561-882 xx Non-QM QC Complete Missouri xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 98912710 xx 561 561-882 xx Non-QM QC Complete Missouri xx Valuation Property Active B * Property is Manufactured Housing (Lvl 4) Home not affixed --- According to an appraisal report dated xx located at “xx”, the subject property type is Manufactured home. However, there is a latest appraisal report available in loan file located at “xx” states; the manufactured home was permanently attached to the foundation system. All the towing hitch, wheels and axles have been removed. The manufactured home was permanently connected to a septic tank or sewage system and other utilities. The Final title policy at the time of origination is missing from the loan file. The subject mortgage does not contain the serial # or VIN number. The latest tax report attached with updated title report dated xx/xx/xxxx shows; there is a separate assessment for land and building. No VIN# mentioned in the updated title report. Also, there is no affixation affidavit available in the loan file. Hence, it is unable to confirm which state whether the manufactured home permanently attached or not.    
xx 98912710 xx 561 561-882 xx Non-QM QC Complete Missouri xx Credit Title Policy Active B * Missing Final Title Policy with applicable Alta endorsements. (i.e., Alta 8.1, 9) (Lvl 3) The final title policy at the time of origination is missing from the loan file. However, there is a latest title policy available in the loan file located at "xx which has the correct reference of the subject mortgage.    
xx 98912710 xx 561 561-882 xx Non-QM QC Complete Missouri xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider document is missing from the loan file.    
xx 98912710 xx 561 561-882 xx Non-QM QC Complete Missouri xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
xx 98912710 xx 561 561-882 xx Non-QM QC Complete Missouri xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) xx     
xx 98912710 xx 561 561-882 xx Non-QM QC Complete Missouri xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the origination fee and broker fee test.
The loan does not have DIDMCA preemption selected and the sum of the origination fee and all broker fees is greater than 1%.
Origination Fee & Broker Fee Test: FAIL Loan Data is $1,119.50; Comparison Data is $550.00; hence, variance is +$569.50.

This loan failed the broker fees test due to one or more of the following findings:
The loan has DIDMCA preemption selected, collects fees from the borrower that directly compensate the broker and the sum of all broker fees is greater than 1%; or
The loan does not have DIDMCA preemption selected and collects broker fees in any amount from both the lender and the borrower; or The loan does not have DIDMCA preemption selected and the sum of all broker fees paid by the borrower exceeds 1%; or The loan does not have DIDMCA preemption selected or defaulted and the sum of all broker fees paid by the lender
exceeds 1%. For this loan: The fees collected from the borrower that directly compensate the broker are $465.00; The fees collected from the lender that directly compensate the broker are $104.50; The total fees collected from both the borrower and the lender that directly compensate the broker are $569.50.
Broker Fees Test: FAIL Loan Data is $569.50, Comparison Data is $0.00 ; hence, variance is +$569.50.


This loan failed the document preparation fee test.
Charging a fee for preparation of loan documents constitutes unauthorized practice of law and violates a plain reading of § 484.010 and 484.020.
Document Preparation Fee Test: FAIL Loan Data is $175.00, Comparison Data is $0.00; hence, variance is +$175.00.

This loan failed the first lien prohibited fees test.
The loan has fees that are prohibited for this license type.
No lender shall charge, require, or receive any points or other fees of any nature whatsoever, except insurance and a 1% origination fee, whether from the buyer or the seller or any other person, except that the lender may charge bona fide expenses paid by the lender to any other person or entity for services actually performed in connection with a loan. In addition, if the loan is
for the construction or improvement of residential real estate, the lender may charge a fee not to exceed 1% of the loan amount for inspection and disbursement of the proceeds of the loan to third parties.This means that fees are prohibited unless specifically allowed (as described above). Some fees may be considered prohibited compensation to the lender unless the "Compensation To" fields indicate otherwise.
Prohibited Fees First Lien Test: FAIL Loan Data is $950.00, Comparison Data is $0.00; hence, variance is +$950.00.		    
xx 98912710 xx 561 561-882 xx Non-QM QC Complete Missouri xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.
The finance charge is $69,380.70. The disclosed finance charge of $69,090.70 is not considered accurate because it is understated by more than $100.
TILA Finance Charge Test: FAIL Loan Data is $69,090.70; Comparison Data is $69,380.70; hence, variance is -$290.00.

This loan failed the TILA foreclosure rescission finance charge test.
The finance charge is $69,380.70. The disclosed finance charge of $69,090.70 is not considered accurate for purposes of rescission because it is understated by more than $35.
TILA Foreclosure Rescission Finance Charge Test: FAIL Loan Data is $69,090.70 ; Comparison Data is $69,380.70; hence, variance is -$290.00.		    
xx 98912710 xx 561 561-882 xx Non-QM QC Complete Missouri xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA finance charge test.
This loan failed the TILA foreclosure rescission finance charge test.
This loan failed the first lien prohibited fees test.
This loan failed the document preparation fee test.
This loan failed the origination fee and broker fee test.
This loan failed the broker fees test.		    
xx 91894405 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 91894405 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 91894405 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) final TIL is not hand dated by the borrower.    
xx 91894405 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 91894405 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by the borrower.    
xx 91894405 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 91894405 xx 561 561-882 xx Non-QM QC Complete Florida xx Data Edit Data Edit Active B * Litigation (Lvl 3) The comment dated xx/xx/xxxx shows that the file active in litigation, however, no further information has been found regarding the resolution of the litigation matter.    
xx 91894405 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Property Active B * Subject property is located in a FEMA designated disaster area (recent). (Lvl 1) The subject property is located in a FEMA designated disaster area (recent-xx/xx/xxxx). However, the collection comments received as of xx/xx/xxxx and the latest BPO is not available.  Recent servicing comments do not reflect any damage pertaining to the subject property.    
xx 91894405 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Florida. The following disclosures are missing from the loan file.
1. Anti-Coercion Notice
2. Radon Gas Disclosure
3. Insurance Sales Disclosure		    
xx 91894405 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA Finance Charge Test is Failed as   Loan Data is  $168,672.36 ,Comparison Data is $168,798.77 Variance -$126.41    
xx 91894405 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) TILA Finance Charge Test is Failed as   Loan Data is  xx ,Comparison Data is xx Variance -$126.41
The finance charge is xx. The disclosed finance charge of xx is not considered accurate because it is
understated by more than $100.
This loan failed the TILA foreclosure rescission finance charge test		    
xx 93013329 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 93013329 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 93013329 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account Disclosure is missing from the loan file.    
xx 93013329 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider disclosure is missing from the loan file.    
xx 93013329 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The property is located in Florida State and the required disclosures are missing as follow.
Anti-Coercion Notice, Insurance Sales Disclosure.		    
xx 97632429 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 97632429 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 97632429 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) According to the pro-title report dated xx/xx/xxxx, the subject property is on second lien position as there is a senior mortgage prior to the subject Mortgage, in the favor of xx. 
The subject mortgage was originated on xx in the favor of xx.		    
xx 97632429 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Active Judgment Against Borrower (Lvl 2) As per the ProTitle report dated xx/xx/xxxx, numerous judgments were found against xx.    
xx 97632429 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The collection comments are available from xx/xx/xxxx toxx/xx/xxxx. Latest 24 months collection comments are required and the comments are missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 97632429 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of Service Provider's disclosure is missing from the loan file.    
xx 97632429 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 97632429 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Florida State. The following required state disclosures are missing from the loan file.
1.Title Insurance Disclosure.
2.Radon Gas Disclosure.
3.Insurance Sales Disclosure.		    
xx 97632429 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.
The finance charge is $189,219.78. The disclosed finance charge of $188,689.35 is not considered accurate because it is understated by more than $100.
This loan failed the TILA foreclosure rescission finance charge test.
The finance charge is $189,219.78. The disclosed finance charge of $188,689.35 is not considered accurate for purposes of rescission because it is understated by more than $35.		    
xx 97632429 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA finance charge test.
This loan failed the TILA foreclosure rescission finance charge test.		    
xx 99545312 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 99545312 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 99545312 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Form is missing from the loan file.    
xx 99545312 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Providers is missing from the loan file.    
xx 99545312 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer Document is missing from the loan file.    
xx 99545312 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in North Carolina state. The following state disclosures are missing from the loan file.
1. Amortization Schedule Disclosure.
2. Credit Property Insurance Disclosure.
3. Fee Agreement.
4. Priority of Security Instrument Disclosure.
5. Attorney Selection Disclosure.		    
xx 59744486 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 59744486 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 59744486 xx 561 561-882 xx Non-QM QC Complete Georgia xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal report is missing from the loan file.    
xx 59744486 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 59744486 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated Business Disclosure is missing from the loan file.    
xx 59744486 xx 561 561-882 xx Non-QM QC Complete Georgia xx Data Edit Data Edit Active B * Deceased Borrower(s) (Lvl 3) According to the updated title report dated xx/xx/xxxx, the borrower,xx was deceased on xx. However, no details regarding the death certificate or probate has been found in the collection comments.

.		    
xx 59744486 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The List of Service Provider Disclosure is missing from the loan file.    
xx 59744486 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comments are available from xx/xx/xxxx toxx/xx/xxxx, xx/xx/xxxx to xx/xx/xxxx andxx/xx/xxxx toxx/xx/xxxx. However, as we require the latest 24 months comment history. The comment history is missing from xx/xx/xxxx to xx/xx/xxxx andxx/xx/xxxx toxx/xx/xxxx.    
xx 59744486 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in the Georgia state. The following state disclosures are missing from the loan file:
1 Waiver of Borrowers Rightsand Closing Attorney Affidavit (not required by law but provided as a matter of custom)
2 Disclosure of Additional Fees		    
xx 59744486 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA foreclosure rescission finance charge test.
The finance charge is xx. The disclosed finance charge of xxis not considered accurate for purposes of
rescission because it is understated by more than $35.		    
xx 59744486 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA Foreclosure Rescission Finance Charge Test: Loan data : $192,328.97, Comparison data : $192,391.97, Variance : -$63.00.    
xx 61142225 xx 561 561-882 xx Non-QM QC Complete Missouri xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 61142225 xx 561 561-882 xx Non-QM QC Complete Missouri xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 61142225 xx 561 561-882 xx Non-QM QC Complete Missouri xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Form is missing from the loan file.    
xx 61142225 xx 561 561-882 xx Non-QM QC Complete Missouri xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Compliance Risk Indicator is Moderate for failing the Prohibited Fees First Lien Test, the Broker Fees Test, and the Origination Fee & Broker Fee Test.    
xx 61142225 xx 561 561-882 xx Non-QM QC Complete Missouri xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Providers Disclosures is missing from the loan file.    
xx 61142225 xx 561 561-882 xx Non-QM QC Complete Missouri xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) Per the updated title report dated xx/xx/xxxx, the Chain of Assignments is not complete.  The original lender of record is xx.    
xx 61142225 xx 561 561-882 xx Non-QM QC Complete Missouri xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) Prohibited Fees First Lien Test: Result: FAIL. Loan Data:$988.95; Comparison Data: $0.00; Variance:+$988.95.
This loan failed the first lien prohibited fees test. (MRS § 408.052 1.)  The loan has fees that are prohibited for this license type.  No lender shall charge, require, or receive any points or other fees of any nature whatsoever, except insurance and a 1% origination fee, whether from the buyer or the seller or any other person, except that the lender may charge bona fide expenses paid by the lender to any other person or entity for services actually performed in connection with a loan. In addition, if the loan is for the construction or improvement of residential real estate, the lender may charge a fee not to exceed 1% of the loan amount for inspection and disbursement of the proceeds of the loan to third parties.
Broker Fees Test:Result:FAIL. Loan Data: $8,795.00; Comparison Data: $0.00; Variance: +$8,795.00.
This loan failed the broker fees test due to one or more of the following findings: (Division Guidance on Broker Compensation).  The loan has DIDMCA preemption selected, collects fees from the borrower that directly compensate the broker and the sum of all broker fees is greater than 1%; or The loan does not have DIDMCA preemption selected and collects broker fees in any amount from both the lender and the borrower; or The loan does not have DIDMCA preemption selected and the sum of all broker fees paid by the borrower exceeds 1%.
Origination Fee & Broker Fee Test: Result:FAIL. Loan Data: $8,795.00; Comparison Data: $1,950.00; Variance: +$6,845.00.
This loan failed the origination fee and broker fee test. (MRS §408.052 1.)  The loan does not have DIDMCA preemption selected and the sum of the origination fee and all broker fees is greater than 1%.		    
xx 61142225 xx 561 561-882 xx Non-QM QC Complete Missouri xx Modification Doc Issue Active B * Loan appears modified. Mod missing or unexecuted (Lvl 3) The latest loan modification "Recast Agreement" (located at "xx") is not executed by the borrower.    
xx 61142225 xx 561 561-882 xx Non-QM QC Complete Missouri xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The loan has been modified three times since origination.  The latest mod was a Step modification "Recast Agreement" made between the borrower “xx.  The New Unpaid Principal Balance is xx , the interest-bearing amount is $124,983.48, and the deferred balance is $43,800 which is due in a balloon payment at maturity.  The Agreement further indicates the Interest Bearing Principal Balance will be further reduced by the 6th year U.S. Treasury pay-for-performance incentive of $5,000.  This exceeds 2% of the Modified Amount.    
xx 61142225 xx 561 561-882 xx Non-QM QC Complete Missouri xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) xx     
xx 22983421 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 22983421 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 22983421 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 22983421 xx 561 561-882 xx Non-QM QC Complete New York xx Legal Docs Legal Docs Active B * Updated title review shows IRS / vehicle / federal / personal tax liens (Lvl 2) According to the updated title report dated xx/xx/xxxx, there is one active IRS lien against the borrower xx in the favor of xx. However, the name of borrower and SSN# is consistent with the document.    
xx 22983421 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Credit Active B * HUD-1 Closing Statement missing or unsigned (Lvl 3) The final HUD is available from the loan file which is located at “xx”. However, the some point and fees are handwritten.    
xx 22983421 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) The final TIL is not hand dated bythe borrower.    
xx 22983421 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 22983421 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Other Disclosures Active B * Missing Required Disclosures (Lvl 2) The list of service provider document is missing from the loan file.    
xx 22983421 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
xx 22983421 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in New York State. The following state disclosures are missing from the loan file.


1.NY Consumer Credit Disclosure / Fair Credit Reporting Notice
2.NY Interest Rate Disclosure
3.NY Hazard Insurance  Disclosure
4.Tax Escrow Account Designation
5.Mortgage Bankers and Exempt Organizations Preapplication
6.Part 80 Disclosure
7.Alternative Mortgage Transaction Disclosures
8.Co-Signer Notice Requirements
9.Default Warning Notice
10.Smoke Alarm Affidavit
11.New York Real Property Escrow Account Disclosure
12.Subprime Home Loan Counseling Disclosure
13.Subprime Home Loan Tax and Insurance Payment Disclosure
14.Subprime Home Loan Disclosure
15.Commitment Disclosure
16.Lock-in Disclosure
17.Expiration of Lock-in or Commitment Period		    
xx 22983421 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA right of rescission test.    
xx 22983421 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA right of rescission test.
The funding date is before the third business day following consummation.
The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the
notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last.		    
xx 27001336 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 27001336 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 27001336 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business disclosure is missing from the loan file.    
xx 27001336 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit DTI Active B * DTI > 60% (Lvl 2) As per the final 1003 application, the income of the borrower is $4,191.83.  However, the total debt is $3096.33. Hence, the DTI is 73.866%.    
xx 27001336 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider disclosures is missing from the loan file.    
xx 27001336 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by the borrower.    
xx 27001336 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Georgia State and the Georgia state requires total 2 disclosures which are:
1)Waiver of Borrowers Rights and Closing Attorney Affidavit (not required by law but provided as a matter of custom)
2)Disclosure of Additional Fees		    
xx 591789 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 591789 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 591789 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report at the time of origination of the loan is missing from the loan file.    
xx 591789 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Compliance Ease Risk Indicator is moderate as the loan is failing for TILA APR test:  Charged 0.000%  Allowed  6.055% Over By - 6.055%. Compliance Ease Risk Indicator is moderate as the loan is failing for Prohibited Fees Test::  Charged $1,275.00 Allowed  $0.0000 Over By+ $1,275.00    
xx 591789 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) Compliance Ease State Regulations are failed as the loan is failing for Prohibited Fees Test::  Charged $1,275.00 Allowed  $0.0000 Over By+ $1,275.00
This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test.
( N.J.S.A. §17:11C-23, N.J.A.C. § §3:1-16.2 )
The loan does charge fee(s) not provided for in this act, which is prohibited		    
xx 591789 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) Compliance Ease TILA Test is failed as loan is failing for TILA APR test:  Charged 0.000%  Allowed  6.055% Over By - 6.055%.
This loan failed the TILA APR test. ( 12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4) )
The annual percentage rate (APR) is 6.055%. The disclosed APR of 0.000% is not considered accurate because it is more than
1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.		    
xx 591789 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
xx 591789 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 591789 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Legal Docs Doc Issue Active B * Title policy missing (Lvl 3) Final title policy at the time of origination is missing from the loan file; however, Title Commitment is available in the loan file at xx.    
xx 591789 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Following state disclosures are missing from the loan file.
NJ Application Disclosure
Delivery Fee Authorization
NJ Attorney Disclosure
Unacceptability of Insurance Notice
Attorney Disclosure II
Tax Bill Information
Private Well Testing
Lock-In Agreement
Commitment Disclosures
Choice of Insurer Disclosure
Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 591789 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 591789 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider disclosure  is missing from the loan file.    
xx 591789 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of service transfer disclosure is missing from the loan file.    
xx 591789 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from the loan file.    
xx 591789 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 591789 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Title Review Active B * Title Rvw shows prop. owner of record is not borr. (Lvl 2) xx    
xx 36065630 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 36065630 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 36065630 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure missing from the loan file.    
xx 36065630 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Required state disclosure missing from the loan file  in the below list.
1.Co-Signer Notice
2.Escrow Disclosure
3.Tattle Tale Notice under the Marital Property Act
4.Choice of Insurance Disclosure
5.Pre-Application Fee Disclosure
6.Marital Property Act Disclosure
7.Explanation of Personal Obligation		    
xx 36065630 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comments are available from xx/xx/xxxx toxx/xx/xxxx. However, we require the latest 24 months comment history. Hence, the comment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 50019154 xx 561 561-882 xx Non-QM QC Complete Nebraska xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 50019154 xx 561 561-882 xx Non-QM QC Complete Nebraska xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 50019154 xx 561 561-882 xx Non-QM QC Complete Nebraska xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated Business Disclosure is missing from the loan file.    
xx 50019154 xx 561 561-882 xx Non-QM QC Complete Nebraska xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comments are available from xx/xx/xxxx toxx/xx/xxxx; however, the comment history is missing from xx/xx/xxxx to xx/xx/xxxx. We require the latest 24 months of complete comment history.    
xx 50019154 xx 561 561-882 xx Non-QM QC Complete Nebraska xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The Servicing Transfer Disclosure is missing from the loan file.    
xx 37193246 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Data Edit Data Edit Active B * Deceased Borrower(s) (Lvl 3) According to the updated title report dated xx/xx/xxxx, the borrower,xx was deceased on xx. However, no details regarding the death certificate or probate has been found in the collection comments.

.		    
xx 37193246 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 37193246 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The Notice of servicing Transfer document is missing in the given loan file.    
xx 37193246 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Required Affiliated Business disclosure document is missing in the given loan file.    
xx 37193246 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 29750895 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 29750895 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 29750895 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 29750895 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit DTI Active B * DTI > 60% (Lvl 2) As per application, the total monthly income is in the amount of $4,301.18 and the total monthly expenses is in the amount of $2,153.00 hence, DTI  is exceeding 60%.    
xx 29750895 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 29750895 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 29750895 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in New Jersey.The following state disclosures are missing from the loan file.
1. NJ Application Disclosure
2. Delivery Fee Authorization
3. NJ Attorney Disclosure
4. Unacceptability of Insurance Notice
5. Attorney Disclosure II
6. Tax Bill Information
7. Private Well Testing
8. Lock-In Agreement
9. Commitment Disclosures
10. Choice of Insurer Disclosure
11. Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 29750895 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.
This loan failed the TILA foreclosure rescission finance charge test.		    
xx 29750895 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA finance charge test.
This loan failed the TILA foreclosure rescission finance charge test.
This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test.		    
xx 29750895 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the TILA finance charge test.The finance charge is $145,140.52. The disclosed finance charge of $145,031.58 is not considered accurate because it is
understated by more than $100.
TILA Finance Charge Test: FAIL Loan Data $145,031.58 Comparison Data $145,140.52  Variance-$108.94
This loan failed the TILA foreclosure rescission finance charge test.
The finance charge is $145,140.52. The disclosed finance charge of $145,031.58 is not considered accurate for purposes of
rescission because it is understated by more than $35.
TILA Foreclosure Rescission Finance Charge Test: FAIL Loan Data $145,031.58 Comparison Data $145,140.52  Variance -$108.94
This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test.
The loan does charge fee(s) not provided for in this act, which is prohibited.
A person licensed as a mortgage broker shall have the right to charge only the following fees: (1) application fee; and (2)
discount points which may be labeled as an origination fee.
Prohibited Fees Test: FAIL Loan Data Comparison Data $566.00 $0.00 Variance +$566.00		    
xx 20679996 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 20679996 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 20679996 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 20679996 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Following disclosures are missing from the loan file:
1. Anti-Coercion Notice
2. Title Insurance Disclosure
3. Radon Gas Disclosure
4. Insurance Sales Disclosure		    
xx 20679996 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow account disclosure is missing from the loan file.    
xx 20679996 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of servicing providers disclosure is missing from the loan file.    
xx 20679996 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) Loan Data$241,225.38 Comparison Data$241,279.02 Variance-$53.64
This loan failed the TILA foreclosure rescission finance charge test.
The finance charge is $241,279.02. The disclosed finance charge of $241,225.38 is not considered accurate for purposes of
rescission because it is understated by more than $35.		    
xx 20679996 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is missing from the loan file.    
xx 20679996 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated business disclosure is missing from the loan file.    
xx 20679996 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by the borrower.    
xx 20679996 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA foreclosure rescission finance charge test.
The finance charge is $241,279.02. The disclosed finance charge of $241,225.38 is not considered accurate for purposes of
rescission because it is understated by more than $35.		    
xx 98953839 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 98953839 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 98953839 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit DTI Active B * DTI > 60% (Lvl 2) As per final loan application the borrowers total monthly income is $4199 and total debts are in the amount of $3433.59. hence, the DTI shows greater than 60%.    
xx 98953839 xx 561 561-882 xx Non-QM QC Complete Illinois xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) As per Recast (modification) agreement which was made on xx. The lender has forgiven principal in the amount of $xx. However, the forgiven amount exceeds 2% of the modified principal balance.    
xx 98953839 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR document is not hand dated by the borrower.    
xx 98953839 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated Business Disclosure is missing from the loan file.    
xx 98953839 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The List of Service Provider Disclosure is missing from the loan file.    
xx 98953839 xx 561 561-882 xx Non-QM QC Complete Illinois xx Modification Doc Issue Active B * Loan appears modified. Mod missing or unexecuted (Lvl 3) The loan recast (modification) agreement located in file "xx" was not signed by the borrower. The borrower has been making the payments as per same modification.    
xx 98953839 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) xx     
xx 98953839 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) TIL is not hand dated by the borrower.    
xx 12836212 xx 561 561-882 xx Non-QM QC Complete New Hampshire xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 12836212 xx 561 561-882 xx Non-QM QC Complete New Hampshire xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 12836212 xx 561 561-882 xx Non-QM QC Complete New Hampshire xx Valuation Property Active B * Property Damage (Lvl 2) According to servicing comment dated xx/xx/xxxx, subject property is damage. The nature of damage is not confirmed from the servicing comment. Also, estimated repair amount is not available in the servicing comment. However, the latest servicing comment does not shows that repair is completed or not.    
xx 12836212 xx 561 561-882 xx Non-QM QC Complete New Hampshire xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business form  disclosure is missing from the loan file.    
xx 12836212 xx 561 561-882 xx Non-QM QC Complete New Hampshire xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 12836212 xx 561 561-882 xx Non-QM QC Complete New Hampshire xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by borrower.    
xx 12836212 xx 561 561-882 xx Non-QM QC Complete New Hampshire xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider is missing from the loan file.    
xx 12836212 xx 561 561-882 xx Non-QM QC Complete New Hampshire xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by borrower.    
xx 12836212 xx 561 561-882 xx Non-QM QC Complete New Hampshire xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) xx    
xx 12836212 xx 561 561-882 xx Non-QM QC Complete New Hampshire xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA foreclosure rescission finance charge test.    
xx 12836212 xx 561 561-882 xx Non-QM QC Complete New Hampshire xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA foreclosure rescission finance charge test.
The loan data is $74587.09 which is compared with $74686.61 and variance is -$99.52
The finance charge is $74,686.61. The disclosed finance charge of $74,587.09 is not considered accurate for purposes of rescission because it is understated by more than $35.		    
xx 9760319 xx 561 561-882 xx Non-QM QC Complete Oregon xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 9760319 xx 561 561-882 xx Non-QM QC Complete Oregon xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 9760319 xx 561 561-882 xx Non-QM QC Complete Oregon xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 9760319 xx 561 561-882 xx Non-QM QC Complete Oregon xx Credit Credit Active B * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 is missing from loan file, However points & fee captured from Estimated Hud-1 as located at "xx".    
xx 9760319 xx 561 561-882 xx Non-QM QC Complete Oregon xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 9760319 xx 561 561-882 xx Non-QM QC Complete Oregon xx Credit Doc Issue Active B * ROR Transaction date not consistent with Note and/or HUD (Lvl 2) ROR is dated xx which is after the transaction date xx.    
xx 9760319 xx 561 561-882 xx Non-QM QC Complete Oregon xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 9760319 xx 561 561-882 xx Non-QM QC Complete Oregon xx Credit Other Disclosures Active B * Missing Required Disclosures (Lvl 2) The subject property is located in Oregon state. The following state disclosures are missing from the loan file.
1. Oregon Forced Placed Insurance Notice
2. Notice where Escrow Account is NOT Required
3. Escrow Notice for Loans Sold to Out-of- State Purchases within one year
4. Anti-Coercion Notice
5. Insurance Premium Notice
6. Insurance Sales Notice
7. Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 13415658 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 13415658 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 13415658 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Collection comments history is available from xx/xx/xxxx to xx/xx/xxxx. As we require latest 24 months payment history, payment history is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 13415658 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Compliance Ease Risk Indicator is moderate as the loan is failing for TILA Foreclosure Rescission Finance Charge Test:: Charged $98,269.84 Allowed $98,351.92 Over By -$82.08.    
xx 13415658 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) Compliance Ease Risk Indicator is moderate as the loan is failing for TILA Foreclosure Rescission Finance Charge Test:: Charged $98,269.84 Allowed $98,351.92 Over By -$82.08.
This loan failed the TILA foreclosure rescission finance charge test. ( 12 CFR §1026.23(h) , transferred from 12 CFR
§226.23(h) )
The finance charge is $98,351.92. The disclosed finance charge of $98,269.84 is not considered accurate for purposes of
rescission because it is understated by more than $35.		    
xx 13415658 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Following state disclosures are missing from the loan file.
 Waiver of Borrowers Rightsand Closing Attorney Affidavit (not required by law but provided as a matter of custom)
 Disclosure of Additional Fees		    
xx 13415658 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from the loan file.    
xx 13415658 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) xx    
xx 13415658 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 81919530 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 81919530 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 81919530 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
xx 81919530 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is required for ARM loan; however document is missing from loan file.    
xx 81919530 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index numerical value is unavailable as the supportive documents such as Loan program disclosure/Rate lock agreement/Closing instruction are missing from the loan file.    
xx 81919530 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated Business Disclosure is missing from the loan file.    
xx 81919530 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Credit Doc Issue Active B * Not all borrowers signed TIL (Lvl 2) The final TIL is not signed by the borrower.    
xx 81919530 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider disclosure is missing from the loan file.    
xx 81919530 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The property is located in Wisconsin State and the required disclosures are missing from the loan file as follow.
Choice of Insurance Disclosure.		    
xx 52446881 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 52446881 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 52446881 xx 561 561-882 xx Non-QM QC Complete Alabama xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 52446881 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final Application/1003 is missing from loan file.    
xx 52446881 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Providers is missing from loan file.    
xx 52446881 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 3) PMI certificate is missing from the loan file.    
xx 52446881 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The following disclosure is missing from loan file:
1. Choice of Insurer.		    
xx 10823067 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 10823067 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 10823067 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 10823067 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business form disclosure is missing from the loan file.    
xx 10823067 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service providers disclosure is missing from the loan file.    
xx 10823067 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) Prohibited Fees Test: FAIL, Loan Data: $2,033.32, Comparison Data: $0.00 and Variance: +$2,033.32.
This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test.		    
xx 10823067 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in New Jersey State, however, the following state disclosures are missing from the loan file:
1. NJ Application Disclosure.
2. Delivery Fee Authorization.
3. NJ Attorney Disclosure.
4. The unacceptability of Insurance Notice.
5. Attorney Disclosure II.
6. Tax Bill Information.
7. Private Well Testing.
8. Lock-In Agreement.
9. Commitment Disclosures.
10. Choice of Insurer Disclosure.
11. Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application.		    
xx 10823067 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) xx    
xx 10823067 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 10823067 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA finance charge test.
This loan failed the TILA foreclosure rescission finance charge test.
This loan failed the TILA APR test.
This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test.		    
xx 10823067 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA Finance Charge Test: FAIL, Loan Data: $134,906.43, Comparison Data: $136,870.96 and Variance: -$1,964.53.
TILA Foreclosure Rescission Finance Charge Test: FAIL, Loan Data: $134,906.43, Comparison Data: $136,870.96 and Variance: -$1,964.53.
TILA APR Test: FAIL, Loan Data: 5.579%, Comparison Data: 5.722% and Variance: -0.143%.		    
xx 61496601 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 61496601 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 61496601 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Bellow Disclosures are missing from loan file;
Explanation of Personal Obligation
Marital Property Act Disclosure
Pre-Application Fee Disclosure
Choice of Insurance Disclosure
Co-Signer Notice
Tattle Tale Notice under the Marital Property Act		    
xx 61496601 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from the loan file.    
xx 61496601 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 61496601 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service providers disclosure is missing from the loan file.    
xx 88076832 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 88076832 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 88076832 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 88076832 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit DTI Active B * DTI > 60% (Lvl 2) As per Final Application, the total monthly income is in the amount of $4,230.00 and the total monthly expenses are in the amount of $2,656.48. Hence, DTI  is exceeding 60%.    
xx 88076832 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 88076832 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Comments are available from xx/xx/xxxx tillxx/xx/xxxx; however, we require latest 24 months comment history. The comment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 88076832 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) First Lien Lender Fees Test: FAIL, Loan Data: $527.00, Comparison Data: $292.13 and Variance: +$234.87.
This loan failed the first lien lender fees test due to one of the following findings: (NC §24-1.1A(e))
The loan is a first lien mortgage with a principal amount that is greater than or equal to $10,000 and the sum of all lender
fees exceeds the greater of 0.25% of the principal amount or $150. Lender fees are all fees designated for the lender
other than the origination fee, discount points, assumption fee, rate lock fee, application fee, commitment fee, lender
inspection fee (post-close) and interest; or
The loan is a first lien mortgage made by a HUD approved lender and the sum of all lender fees exceeds the greater of
0.25% of the principal amount or $150. Lender fees are all fees designated for the lender other than the origination fee,
discount points, assumption fee, rate lock fee, application fee, commitment fee, lender inspection fee (post-close) and
interest; or
The loan is a first lien mortgage with a principal amount that is less than $10,000 and the loan charges a lender fee. (NC
24-1.1A(c1)).		    
xx 88076832 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 88076832 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by the borrowers.    
xx 88076832 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The following state disclosures are missing from the loan file:
1. Amortization Schedule Disclosure.
2. Credit Property Insurance Disclosure.
3. Fee Agreement.
4. Priority of Security Instrument Disclosure.
5. Attorney Selection Disclosure.		    
xx 88076832 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the first lien lender fees test.    
xx 88076832 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) TIL is not hand dated by the borrowers.    
xx 4282975 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from loan file.    
xx 4282975 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 4282975 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Providers is missing from loan file.    
xx 4282975 xx 561 561-882 xx Non-QM QC Complete Georgia xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 4282975 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in the state of GA. The following state disclosures are missing from the loan file.
1. Waiver of Borrowers Rightsand Closing Attorney Affidavit (not required by law but provided as a matter of custom)
2. Disclosure of Additional Fees		    
xx 4282975 xx 561 561-882 xx Non-QM QC Complete Georgia xx Valuation Appraisal Active B * Variation in Parcel number(APN#) (Lvl 3) xx    
xx 71780688 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 71780688 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 71780688 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 71780688 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Property Active B * Property Damage (Lvl 2) As per Collection comment dated xx/xx/xxxx, the property had damages due to Earthquake. The estimated cost of repairs has not been provided. No comments have been found stating these damages have been repaired.    
xx 71780688 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 71780688 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 71780688 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Acct Disclosure is missing from the loan file.    
xx 71780688 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Services Providers is missing from the loan file.    
xx 71780688 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Note / Mod Active B * Lost Note Affidavit (Lvl 3) Lost note affidavit dated xx/xx/xxxx was found at location ” xx”. Copy of Note is available in the same  file.    
xx 71780688 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 71780688 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 71780688 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located at CA State. The following state disclosures are missing from the loan files.

1.Impound Account Disclosure
2.Cosigner Notice
3.Private Mortgage Insurance Disclosure
4.Earthquake Disclosure for condominiums
5.Hazard Insurance Disclosure
6.Insurer RecommendationDisclosure
7.CA Fair Lending Notice
8.Anti-Tying Disclosure
9.Privacy Notice
10.Notice of Right to Copy of Appraisal
11.Application for Credit-Married Persons
12.Fair Debt Collection Notice
13.Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 77123079 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 77123079 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 77123079 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Form is missing from the loan file.    
xx 77123079 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Providers Disclosures is missing from the loan file.    
xx 77123079 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 77123079 xx 561 561-882 xx Non-QM QC Complete Georgia xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 77123079 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in GA state. The following state disclosure is missing from the loan file.
1. Waiver of Borrowers Rightsand Closing Attorney Affidavit (not required by law but provided as a matter of custom)
2. Disclosure of Additional Fees		    
xx 77123079 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) TILA Foreclosure Rescission Finance Charge Test: FAIL Loan Data  xx Comparison Data xx  Variance -xx    
xx 77123079 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA Foreclosure Rescission Finance Charge Test:Result: FAIL;  Loan Data:$101,668.32;  Comparison Data:$101,747.30; Variance:-$78.98.
This loan failed the TILA foreclosure rescission finance charge test.
The finance charge is $101,747.30. The disclosed finance charge of $101,668.32 is not considered accurate for purposes of
rescission because it is understated by more than $35.		    
xx 46500118 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 46500118 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 46500118 xx 561 561-882 xx Non-QM QC Complete Michigan xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) According to updated title report dated xx/xx/xxxx , the chain of assignment has not been completed. There is a break in assignment from xx.    
xx 46500118 xx 561 561-882 xx Non-QM QC Complete Michigan xx Data Edit Data Edit Active B * Deceased Borrower(s) (Lvl 3) According to the updated title report dated xx/xx/xxxx, the borrower,xx was deceased on xx. However, no details regarding the death certificate or probate has been found in the collection comments.

.		    
xx 46500118 xx 561 561-882 xx Non-QM QC Complete Michigan xx Legal Docs Doc Issue Active B * Title policy missing (Lvl 3) Final Title Policy at origination is missing from loan file. However, the values are updated as per commitment, which is located at “xx”.    
xx 46500118 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider document is missing from the loan file.    
xx 46500118 xx 561 561-882 xx Non-QM QC Complete Michigan xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
xx 46500118 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Michigan State. The following state disclosures are missing in the loan file.
1. MI Borrower's Bill of Rights
2. MI Consumer Caution and Homeownership Counseling Notice
3. Choice of Insurance Agent		    
xx 46500118 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) TILA Finance Charge Test: FAIL Loan Data  xx Comparison Data xx  Variance -xx    
xx 46500118 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA Finance Charge Test: FAIL Loan Data:$332,549.17 Comparison Data:$333,498.22 Variance:-$949.05
This loan failed the TILA finance charge test.
The finance charge is $333,498.22. The disclosed finance charge of $332,549.17 is not considered accurate because it is understated by more than $100		    
xx 46029766 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 46029766 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 46029766 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
xx 46029766 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider is missing from loan file.    
xx 46029766 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from loan file.    
xx 46029766 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 46029766 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in MN state, however required state disclosure missing from loan file.
1. Interest Rate or Discount Point Agreement.
2. Insurance Disclosure.		    
xx 8565234 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 8565234 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 8565234 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Title Review Active B * Signatures at closing - There is an issue with not all property owners signing the title. (Lvl 3) xx    
xx 8565234 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Application Missing (Lvl 2) Application is missing from the loan file.    
xx 8565234 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Title Review Active B * Title Review shows different mtg holder of record (Lvl 2) As per the review of updated title report dated xx/xx/xxxx shows that the xx    
xx 8565234 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) MI Certificate is missing from the loan file.    
xx 8565234 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The following Disclosures are missing from the loan file:
1. Waiver of Borrowers Rightsand Closing Attorney Affidavit (not required by law but provided as a matter of custom)
2. Disclosure of Additional Fees		    
xx 8565234 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider disclosure is missing from the loan file    
xx 8565234 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 71909890 xx 561 561-882 xx Non-QM QC Complete Missouri xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 71909890 xx 561 561-882 xx Non-QM QC Complete Missouri xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 71909890 xx 561 561-882 xx Non-QM QC Complete Missouri xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business form is missing from the loan file.    
xx 71909890 xx 561 561-882 xx Non-QM QC Complete Missouri xx Valuation Property Active B * Property Damage (Lvl 2) As per comment dated xx/xx/xxxx, a check in the amount of $3688.20 from insurance company was issued to replace the roof of home which was damaged due to hail storm. As per comment dated xx/xx/xxxx, as per received inspection results, the subject property still have 25% special issues. No evidence was found in the loan file stating the damage has been repaired. The total damage amount is unavailable.    
xx 71909890 xx 561 561-882 xx Non-QM QC Complete Missouri xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 71909890 xx 561 561-882 xx Non-QM QC Complete Missouri xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Compliance Ease risk indicator is moderate as loan is failing for State Regulations Restricted Fees.    
xx 71909890 xx 561 561-882 xx Non-QM QC Complete Missouri xx Credit Other Disclosures Active B * Missing Required Disclosures (Lvl 2) List of servicing provider list is missing from the loan file.    
xx 71909890 xx 561 561-882 xx Non-QM QC Complete Missouri xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) Prohibited fees first lien test is fail. Loan data is $630.00 and allowed amount is $0.00. Hence, the variance is +$630.00.

Broker Fees Test is fail. Loan data is $3,836.25 and allowed amount is $1,705.00. Hence, the variance is +$2,131.25.

Origination Fee & Broker Fee Test is fail. Loan amount is $3,836.25 and allowed amount is $1,705.00. Hence, the variance is +$2,131.25.		    
xx 351264 xx 561 561-882 xx Non-QM QC Complete Utah xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 351264 xx 561 561-882 xx Non-QM QC Complete Utah xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 351264 xx 561 561-882 xx Non-QM QC Complete Utah xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan file however the loan was approved as a Lender to Lender Streamline Refinance.    
xx 351264 xx 561 561-882 xx Non-QM QC Complete Utah xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Compliance risk indicator is "Moderate" due to failing the TILA finance charge test and the TILA foreclosure rescission finance charge test.    
xx 351264 xx 561 561-882 xx Non-QM QC Complete Utah xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 351264 xx 561 561-882 xx Non-QM QC Complete Utah xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by borrower.    
xx 351264 xx 561 561-882 xx Non-QM QC Complete Utah xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA Finance Charge Test: FAIL.  Loan Data $202,227.60; Comparison Data $202,819.00; Variance of -$591.40.
This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) )  The finance charge is $202,819.00. The disclosed finance charge of $202,227.60 is not considered accurate because it is understated by more than $100.
TILA Foreclosure Rescission Finance Charge Test: FAIL.  Loan Data $202,227.60; Comparison Data $202,819.00; Variance of -$591.40.
This loan failed the TILA foreclosure rescission finance charge test. ( 12 CFR §1026.23(h) , transferred from 12 CFR §226.23(h) )  The finance charge is $202,819.00. The disclosed finance charge of $202,227.60 is not considered accurate for purposes of rescission because it is understated by more than $35.		    
xx 63645422 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 63645422 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 63645422 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) xx    
xx 63645422 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 63645422 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Acct Disclosure is missing from the loan file.    
xx 63645422 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service providers is missing from the loan file.    
xx 63645422 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by borrower.    
xx 63645422 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 63645422 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comments are available from xx/xx/xxxx toxx/xx/xxxx.as we require latest 24 months servicing comments. The comment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 63645422 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Florida State. The following required state disclosures are missing from the loan file.
1.Title Insurance Disclosure
2.Radon Gas Disclosure
3.Insurance Sales Disclosure		    
xx 67745568 xx 561 561-882 xx Non-QM QC Complete Nebraska xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 67745568 xx 561 561-882 xx Non-QM QC Complete Nebraska xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 67745568 xx 561 561-882 xx Non-QM QC Complete Nebraska xx Data Edit Data Edit Active B * Deceased Borrower(s) (Lvl 3) According to the updated title report dated xx/xx/xxxx, the borrower,xx was deceased on xx. However, no details regarding the death certificate or probate has been found in the collection comments.

.		    
xx 67745568 xx 561 561-882 xx Non-QM QC Complete Nebraska xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List if Service provider disclosure is missing from loan file.    
xx 67745568 xx 561 561-882 xx Non-QM QC Complete Nebraska xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated Business Disclosure is missing from loan file.    
xx 67745568 xx 561 561-882 xx Non-QM QC Complete Nebraska xx Credit Title Review Active B * Title Rvw shows prop. owner of record is not borr. (Lvl 2) xx    
xx 67745568 xx 561 561-882 xx Non-QM QC Complete Nebraska xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) the subject property is located in the state of NE.The following disclosure missing from loan file.
1. Construction Finance Notice Disclosure is missing from loan file.		    
xx 67745568 xx 561 561-882 xx Non-QM QC Complete Nebraska xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA foreclosure rescission finance charge test.    
xx 67745568 xx 561 561-882 xx Non-QM QC Complete Nebraska xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) TILA Foreclosure Rescission Finance Charge Test: FAIL Loan Data  xx Comparison Data xx  Variance -xx    
xx 45696859 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 45696859 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 45696859 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business form is missing from the loan file.    
xx 45696859 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Following are the state disclosure which are missing from the loan file;
1. Anti-Coercion Notice
2. Radon Gas Disclosure
3. Insurance Sales Disclosure		    
xx 45696859 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider is missing from the loan file.    
xx 45696859 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
xx 45696859 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index numerical value is unavailable as the supportive documents such as Loan program disclosure/Rate lock agreement/Closing instruction are missing from the loan file    
xx 45696859 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Service transfer document is missing from the loan file.    
xx 28812265 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 28812265 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 28812265 xx 561 561-882 xx Non-QM QC Complete Illinois xx Valuation Appraisal Active B * Variation in Parcel number(APN#) (Lvl 2) xx    
xx 28812265 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Required Affiliated Business disclosure document is missing in the given loan file.    
xx 28812265 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The Subject property is located in Illinois state.
The below Required State disclosure is missing from the given loan file.
2.Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 28812265 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA foreclosure rescission finance charge test.

This loan failed the TILA finance charge test.		    
xx 28812265 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA Finance Charge Test: Loan Data: $231,847.22 Comparison Data: $232,213.33   Variance:-$366.11
TILA Foreclosure Rescission Finance Charge Test:  Loan Data: $231,847.22 Comparison Data: $232,213.33 Variance:-$366.11
This loan failed the TILA finance charge test.

The finance charge is $232,213.33. The disclosed finance charge of $231,847.22 is not considered accurate because it is
understated by more than $100.
This loan failed the TILA foreclosure rescission finance charge test.

The finance charge is $232,213.33. The disclosed finance charge of $231,847.22 is not considered accurate for purposes of
rescission because it is understated by more than $35.		    
xx 61606069 xx 561 561-882 xx Non-QM QC Complete Delaware xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 61606069 xx 561 561-882 xx Non-QM QC Complete Delaware xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 61606069 xx 561 561-882 xx Non-QM QC Complete Delaware xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of servicing transfer disclosure is missing from the loan file.    
xx 61606069 xx 561 561-882 xx Non-QM QC Complete Delaware xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is missing from the loan file.    
xx 61606069 xx 561 561-882 xx Non-QM QC Complete Delaware xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from the loan file.    
xx 61606069 xx 561 561-882 xx Non-QM QC Complete Delaware xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The compliance ease test failed for TILA finance charge test.    
xx 61606069 xx 561 561-882 xx Non-QM QC Complete Delaware xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 61606069 xx 561 561-882 xx Non-QM QC Complete Delaware xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA finance charge test failed, Loan Data $264,666.12 Comparison data $265,127.56 Variance : -$461.44    
xx 67888934 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 67888934 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 67888934 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Property Active B * Property Damage (Lvl 2) According to comment dated xx/xx/xxxx, there is requested damages from hail and storm. No details were found regarding the insurance claim. Details regarding repairs are unavailable. Latest BPO report is not available. The latest collection comments do not reflect any damages to the subject property.    
xx 67888934 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Form is missing from the loan file.    
xx 67888934 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 67888934 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * ROR Transaction date not consistent with Note and/or HUD (Lvl 2) As per Note, the note date is xx. The Final HUD-1 shows the settlement date is xx. However, ROR shows the transaction date is xx which is not consistent with Note and HUD-1.    
xx 67888934 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Services Providers is missing from the loan file.    
xx 67888934 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of Servicing transfer Disclosure is missing from the loan file.    
xx 67888934 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 67888934 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The loan was modified on xx which includes the deferred principal balance is $45,400.00. The lender has accepted or will hereby accept from the borrower’s state Housing Finance Agency sum of $83,155.46(State Provided Funds)  of which the amount $79,535.44  is a principal balance reduction.
Latest payment history as of date xx/xx/xxxx reflects the UPB in the amount of $192,002.91.		    
xx 67888934 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located at CA State. The following state disclosures are missing from the loan files.
. Impound Account Disclosure
. ·Cosigner Notice
 . ·Private Mortgage Insurance Disclosure
. ·Earthquake Disclosure for condominiums
. ·Hazard Insurance Disclosure
·. Insurer RecommendationDisclosure
. ·CA Fair Lending Notice
. ·Anti-Tying Disclosure
. ·Privacy Notice
. ·Notice of Right to Copy of Appraisal
·. Application for Credit-Married Persons
. ·Fair Debt Collection Notice
. ·Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application.		    
xx 35252096 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 35252096 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal report is missing from the loan file.    
xx 35252096 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
xx 35252096 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 is missing from the loan file. Also, estimated HUD-1 and itemization are also not available in the file.    
xx 35252096 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 35252096 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is missing from the loan file.    
xx 35252096 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 62827389 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 62827389 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 62827389 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * ROR Transaction date not consistent with Note and/or HUD (Lvl 2) As per ROR Transaction date is xx which is after note date xx.    
xx 62827389 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD-1 is available in the loan file but it is not executed (signed)  by the borrowers.    
xx 62827389 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Provider is missing from the loan file.    
xx 62827389 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 62827389 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Title Issue Active B * Title issue (Lvl 3) xx    
xx 62827389 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The property is located in state of California. The following required State Disclosure is missing in the loan file.
1.Impound Account Disclosure
2.Cosigner Notice
3.Private Mortgage Insurance Disclosure
4.Earthquake Disclosure forCondominiums
5.Hazard Insurance Disclosure
6.Insurer RecommendationDisclosure
7.CA Fair Lending Notice
8.Anti-Tying Disclosure
9.Privacy Notice
10.Notice of Right to Copy of Appraisal
11.Application for Credit-Married Persons
12.Fair Debt Collection Notice		    
xx 62827389 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 81311249 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 81311249 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 81311249 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Property Active B * Property Damage (Lvl 2) According to comment dated xx/xx/xxxx, the subject property has water damages. The date of loss is xx/xx/xxxx. The filed loss claim is in the amount of $4135.85. Details regarding repairs are unavailable. The latest BPO report is not available.    
xx 81311249 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business form document is missing from the loan file.    
xx 81311249 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Disclosure is missing from the loan file.    
xx 81311249 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service providers document is missing from the loan file.    
xx 81311249 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 81311249 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Florida, However, the following state disclosures are missing from the loan file.
1.Anti-Coercion Notice
2.Title Insurance Disclosure
3.Radon Gas Disclosure
4.Insurance Sales Disclosure		    
xx 87525592 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 87525592 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 87525592 xx 561 561-882 xx Non-QM QC Complete Virginia xx Legal Docs Legal Docs Active B * Updated title review shows IRS / vehicle / federal / personal tax liens (Lvl 2) According to the updated title report dated xx/xx/xxxx ,There are four IRS liens against the borrower xx respectively. All are in the favor of xx.    
xx 87525592 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business disclosure is missing from the loan file.    
xx 87525592 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase risk indicator is moderate as the loan is failing for TILA Right of Rescission Test.    
xx 87525592 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider disclosures is missing from the loan file.    
xx 87525592 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 87525592 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing Transfer document is missing from the loan file.    
xx 87525592 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Virginia State and the VA state requires total 5 disclosures, all are missing from the loan file.
1)VA Application Disclosure
2)Choice of Settlement Agent Disclosure
3)Disclosure of Charges For Appraisal or Valuation
4)Copy of Appraisal or Statement of Appraised Value
5)Affiliated Business Disclosure		    
xx 87525592 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA right of rescission test as;
TILA Right of Rescission Test: FAIL
The funding date is before the third business day following consummation.
The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the
notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last.		    
xx 88669736 xx 561 561-882 xx Non-QM QC Complete Virginia xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 88669736 xx 561 561-882 xx Non-QM QC Complete Virginia xx NPL General Active B * Describe the BK payment plan (Lvl 3) xx    
xx 88669736 xx 561 561-882 xx Non-QM QC Complete Virginia xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) The chain of assignment has been completed. However, there is a break in the assignment which was done from xx.    
xx 88669736 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider document is missing from the loan file.    
xx 88669736 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) The loan amortization type is ARM. However, the loan program disclosure is missing from the loan file.    
xx 88669736 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Virginia State. The following required state disclosures are missing from the loan file.

1.VA Application Disclosure
2.Choice of Settlement Agent Disclosure
3.Disclosure of Charges for Appraisal or Valuation
4.Copy of Appraisal or Statement of Appraised Value		    
xx 36091163 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Data Edit Data Edit Active B * Deceased Borrower(s) (Lvl 2) According to death certificate located at (xx) the borrower, xx was deceased on xx.    
xx 36091163 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) An affiliated business agreement disclosure is missing from the loan file.    
xx 36091163 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Credit Active B * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 is available in the loan file located at "xx"; However, the second page of HUD-1 is missing from the loan file.    
xx 36091163 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 36091163 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Valuation Valuation Active B *  Property value crammed down (Lvl 4) xx     
xx 36091163 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider document is missing from the loan file.    
xx 36091163 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The servicer transfer disclosure is missing from the loan file.    
xx 36091163 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Tennessee State. The following state disclosures are missing in the loan files.
1. Placement of Insurance Disclosure
2. Availability of Title Insurance
3. TN Consent to Disclosure of Insurance Information
4. Choice of Agent/insurer
5. Insurance Solicitation/Post Commitment		    
xx 3960233 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 3960233 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 3960233 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 3960233 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Collection comments are available from xx/xx/xxxx toxx/xx/xxxx. We require latest 24 months servicing comments. However, servicing comments are missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 3960233 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
xx 3960233 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by the borrower.    
xx 3960233 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer disclosure is missing from the loan file.    
xx 3960233 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Alabama state. The following state disclosure is missing from the loan file.
·Choice of Insurer.		    
xx 70351337 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 70351337 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 70351337 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * ROR Transaction date not consistent with Note and/or HUD (Lvl 2) As per ROR the transaction date is xx which is not consistent with note and HUD.    
xx 70351337 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 70351337 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Providers Disclosure is missing from the loan file.    
xx 70351337 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
xx 70351337 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) The chain of assignment is incomplete as there is a break in chain of assignment from xx to xx.    
xx 70351337 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in CA state. The following state disclosure is missing from the loan file.
1. Impound Account Disclosure
2. Cosigner Notice
3. Private Mortgage Insurance Disclosure
4. Earthquake Disclosure forCondominiums
5. Hazard Insurance Disclosure
6. Insurer RecommendationDisclosure
7. CA Fair Lending Notice
8. Anti-Tying Disclosure
9. Privacy Notice
10. Notice of Right to Copy of Appraisal
11. Application for Credit-Married Persons
12. Fair Debt Collection Notice
13. Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 70351337 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to determine an operative index value from the loan file.    
xx 14624382 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 14624382 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 14624382 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 14624382 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The following Disclosures are missing from the loan file:
Equal Credit Availability Notice
Insurance Tying Disclosure
Non-Deposit Insurance Disclosure		    
xx 14624382 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) The initial escrow acct disclosure is missing from the loan file.    
xx 14624382 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider disclosure is missing from the loan file    
xx 14624382 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The loan program disclosure is missing from the loan file.    
xx 14624382 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA finance charge test.
This loan failed the TILA foreclosure rescission finance charge test.		    
xx 14624382 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA Finance Charge Test:  Loan Data:$129,011.13 Comparison Data:$129,637.77 Variance: -$626.64This loan failed the TILA finance charge test.
The finance charge is $129,637.77. The disclosed finance charge of $129,011.13 is not considered accurate because it is
understated by more than $100.

TILA Foreclosure Rescission Finance Charge Test:  Loan Data:$129,011.13 Comparison data:$129,637.77 Variance:-$626.64
This loan failed the TILA foreclosure rescission finance charge test.
The finance charge is $129,637.77. The disclosed finance charge of $129,011.13 is not considered accurate for purposes of
rescission because it is understated by more than $35.		    
xx 65032986 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 65032986 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 65032986 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 65032986 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 65032986 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer is missing from the loan file.    
xx 65032986 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The collection comments are available from xx/xx/xxxx to xx/xx/xxxx. However, we require latest 24 months collection comments. The servicing comments are missing from xx/xx/xxxx to xx/xx/xxxx and from xx/xx/xxxx to xx/xx/xxxx.    
xx 65032986 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Property Active B * Subject property is located in a FEMA designated disaster area (recent). (Lvl 1) The subject property is located in a FEMA designated disaster area (recent-xx/xx/xxxx).
However, the collection comments received as of xx/xx/xxxx does not reflect damage or repair to the subject property. No latest BPO report is available in the loan file.		    
xx 65032986 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Florida state. The following disclosures are missing from the loan file:
Anti-Coercion Notice
Title Insurance Disclosure
Radon Gas Disclosure
Insurance Sales Disclosure		    
xx 65032986 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Appraisal Active B * Variation in Parcel number(APN#) (Lvl 3) xx    
xx 99822809 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 99822809 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 99822809 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 99822809 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 99822809 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 99822809 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Property Active B * Subject property is located in a FEMA designated disaster area (recent). (Lvl 1) The subject property is located in a FEMA designated disaster area (recent-xx/xx/xxxx).
However, the collection comments received as of xx/xx/xxxx does not reflect damage or repair to the subject property. No latest BPO report is available in the loan file.		    
xx 99822809 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Florida State. The following disclosures are missing from the loan file:
Title Insurance Disclosure
Radon Gas Disclosure
Insurance Sales Disclosure		    
xx 77414409 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 77414409 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 77414409 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Property Active B * Property Damage (Lvl 2) According to servicing comment dated xx/xx/xxxx, the property was damaged due to flood/water on xx/xx/xxxx. The insurance claim check was received in the amount of $9,574.77. However, the claim amount was $13,954.00. Further information has been provided related to the damages bring repaired. The latest BPO report is not available in the loan file to confirm the current condition of the subject property.    
xx 77414409 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
xx 77414409 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) The ROR document is missing from the loan file.    
xx 77414409 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 77414409 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA Finance Charge Test: FAIL Loan Data:$218,079.07 Comparison Data:$224,148.54 Variance:-$6,069.47
This loan failed the TILA finance charge test.
The finance charge is $224,148.54. The disclosed finance charge of $218,079.07 is not considered accurate because it is
understated by more than $100.

TILA Foreclosure Rescission Finance Charge Test: FAIL Loan Data:$218,079.07 Comparison Data:$224,148.54 Variance:-$6,069.47
This loan failed the TILA foreclosure rescission finance charge test.
The finance charge is $224,148.54. The disclosed finance charge of $218,079.07 is not considered accurate for purposes of
rescission because it is understated by more than $35.

TILA APR Test: FAIL Loan Data 6.588%  Comparison Data: 6.900%  Variance: -0.312%
This loan failed the TILA APR test.
The annual percentage rate (APR) is 6.900%. The disclosed APR of 6.588% is not considered accurate because it is more than
1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.		    
xx 77414409 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) TILA Finance Charge Test: FAIL Loan Data  xx Comparison Data xx  Variance -xx    
xx 84487930 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 84487930 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 84487930 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business form is missing from the loan file.    
xx 84487930 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider is missing from the loan file.    
xx 84487930 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) xx     
xx 84487930 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 77739834 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 77739834 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 77739834 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 77739834 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 77739834 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 77739834 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in FL State. The following state disclosures are missing from the loan files.

1.Anti-Coercion Notice
2.Title Insurance Disclosure
3.Radon Gas Disclosure
4.Insurance Sales Disclosure		    
xx 55666198 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 55666198 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 55666198 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Legal Docs Active B * Updated title review shows IRS / vehicle / federal / personal tax liens (Lvl 2) According to updated title report dated xx/xx/xxxx there are two active junior xx.    
xx 55666198 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by the borrower.    
xx 55666198 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The affiliated business disclosure is missing from the loan file.    
xx 55666198 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider disclosure is missing from the loan file    
xx 55666198 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The notice of servicing transfer missing from the loan file.    
xx 55666198 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 55666198 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Property Active B * Subject property is located in a FEMA designated disaster area (recent). (Lvl 1) The subject property is located in a FEMA designated disaster area (recent-xx/xx/xxxx).
However, the collection comments received as of xx/xx/xxxx does not reflect damage or repair to the subject property. No latest BPO report is available in the loan file.		    
xx 55666198 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Florida state.
Following Disclosures are missing from the loan file:
1. Anti-Coercion Notice
2. Title Insurance Disclosure
3. Radon Gas Disclosure
4. Insurance Sales Disclosure		    
xx 55666198 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Rvw shows prop. owner of record is not borr. (Lvl 2) xx    
xx 43357992 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Active Judgment Against Borrower (Lvl 3) According to the updated title report dated xx/xx/xxxx there is one active Deficiency Judgment against the borrower in favor of xx. The judgment amount is greater than the original loan amount.    
xx 43357992 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The comments are available from xx/xx/xxxx toxx/xx/xxxx ; however we required latest 24 months complete collection comments. The comments are missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 43357992 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider disclosure is missing from the loan file.    
xx 43357992 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 43357992 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in the Florida state. The following state disclosures are missing from the loan file:
1.Anti-Coercion Notice
2.Title Insurance Disclosure
3.Radon Gas Disclosure
4.Insurance Sales Disclosure		    
xx 95032052 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 95032052 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 95032052 xx 561 561-882 xx Non-QM QC Complete New Jersey xx NPL General Active B * Water/Sewer Taxes (Lvl 2) According to the review of the updated title report dated xx/xx/xxxx, the utilities charge of the year xx are delinquent in  the amount ofxx.    
xx 95032052 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase Risk indicator shows moderate due to Prohibited Fees Test failed.    
xx 95032052 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers document is missing from the loan file.    
xx 95032052 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer disclosure is missing from the loan file.    
xx 95032052 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) The chain of assignment is incomplete as there is a break in chain of assignment from xx to xx.    
xx 95032052 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test. ( N.J.S.A. §17:11C-23, N.J.A.C. § §3:1-16.2 )
The loan does charge fee(s) not provided for in this act, which is prohibited. A person licensed as a mortgage broker shall have the right to charge only the following fees: (1) application fee; and (2) discount points which may be labeled as an origination fee.		    
xx 34342327 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 34342327 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 34342327 xx 561 561-882 xx Non-QM QC Complete Florida xx Data Edit Data Edit Active B * Foreclosure Delay or Contested (Lvl 2) According to review of the loan file, foreclosure was initiated in the loan file and the complaint was filed on xx. According to comment dated xx/xx/xxxx, the foreclosure was contested for additional fee; however, as per comment dated xx/xx/xxxx, the contested issue has been resolved.    
xx 34342327 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 34342327 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 34342327 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Property Active B * Subject property is located in a FEMA designated disaster area (recent). (Lvl 1) The subject property is located in a FEMA designated disaster area (recent-xx/xx/xxxx).
However, the collection comments received as of xx/xx/xxxx does not reflect damage or repair to the subject property. No latest BPO report is available in the loan file.		    
xx 34342327 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Florida State. The following disclosure is missing from the loan file:
Anti-Coercion Notice
Title Insurance Disclosure
Radon Gas Disclosure
Insurance Sales Disclosure		    
xx 16217142 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 16217142 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 16217142 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) xx    
xx 16217142 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Title Policy Active B * Missing Final Title Policy with applicable Alta endorsements. (i.e., Alta 8.1, 9) (Lvl 3) The Final Title Policy provided in the file reflects the Date of Policy is xx however per the Note, the loan origination date is xx.  The Agent however acknowledged the policy at the bottom of the page with Schedule A with a signature and correct date of xx.    
xx 16217142 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The property is located in MD state.  The following required state disclosures are missing from the loan file:
Affidavit of Consideration
Affidavit of Disbursement
Notice of Right to Select Attorney, Title Insurance Company and Settlement Agent Disclosure.
No Escrow Account
Mandatory Binding Arbitration Disclosures
Home Buyer Education and Counseling Disclosure		    
xx 16217142 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 16217142 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 2) xx    
xx 65163626 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 65163626 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 65163626 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit DTI Active B * DTI > 60% (Lvl 2) According to final application the total monthly income of the borrower is xx; however, total monthly debts of the borrower are in the amount of $1,768.49, hence DTI is xx% which is greater than xx%.    
xx 65163626 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 65163626 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIl is not hand dated by the borrower.    
xx 65163626 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Other Disclosures Active B * Missing Required Disclosures (Lvl 2) List of Service Providers Disclosure is missing from the loan file.    
xx 65163626 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 65163626 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) xx    
xx 65163626 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 38540699 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 38540699 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 38540699 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 38540699 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider is missing from the loan file.    
xx 38540699 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 38540699 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Florida state. The state disclosure missing from the loan file are: Anti-Coercion Notice, Title Insurance Disclosure, Radon Gas Disclosure and Insurance Sales Disclosure.    
xx 88190473 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 88190473 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 88190473 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 88190473 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Property Active B * Property Damage (Lvl 2) As per the servicing comments dated on xx/xx/xxxx, the property was damaged due to disaster.
The further details of damages and repairs have not been found.		    
xx 88190473 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan file.    
xx 88190473 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Providers Disclosures is missing from the loan file.    
xx 88190473 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer Disclosure Document is missing from the loan file.    
xx 88190473 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in FL state. The following state disclosures is missing from the loan file.
1. Anti-Coercion Notice
2. Title Insurance Disclosure
3. Radon Gas Disclosure
4. Insurance Sales Disclosure		    
xx 19475054 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 19475054 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 19475054 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Compliance Risk Indicator is Moderate due to failing the TILA Finance Charge test.    
xx 19475054 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow disclosure is missing from the loan file.    
xx 19475054 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 19475054 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Legal Docs Legal Docs Active B * Updated title review shows IRS / vehicle / federal / personal tax liens (Lvl 2) Per the updated title report dated xx/xx/xxxx, there is an open IRS lien against the borrower in the amount of xx.    
xx 19475054 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 19475054 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The Subject property is located in Massachusetts (MA) state. The below Required State disclosures are missing in the given loan files. 
1] Lead-Based Paint Disclosure.
2] Carbon Monoxide Alarms.
3] Notice of the Specific Reason for Denial of Credit.		    
xx 19475054 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed TILA Finance Charge Test: Loan Data:$462,968.97; Comparison:$463,981.97; Variance:-$1,013.00.
This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) )  The finance charge is $463,981.97. The disclosed finance charge of $462,968.97 is not considered accurate because it is understated by more than $100.		    
xx 45790419 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 45790419 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 45790419 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 45790419 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD-1 is not signed by the borrower.    
xx 45790419 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan file.    
xx 45790419 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service providers document is missing from the loan file.    
xx 45790419 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Amount of title insurance is less than mortgage amount (Lvl 3) The mortgage was originated on xx which is less than the mortgage amount.    
xx 45790419 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in California State. However, the following state disclosures are missing from the loan file.
1.Impound Account Disclosure
2.Cosigner Notice
3.Private Mortgage Insurance Disclosure
4.Earthquake Disclosure forCondominiums
5.Hazard Insurance Disclosure
6.Insurer RecommendationDisclosure
7.CA Fair Lending Notice
8.Anti-Tying Disclosure
9.Privacy Notice
10.Notice of Right to Copy of Appraisal
11.Application for Credit-Married Persons
12.Fair Debt Collection Notice
13.Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 79125874 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 79125874 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 79125874 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Providers is missing from the loan file.    
xx 79125874 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) The chain of assignment has not been provided in the report.However, the assignment should be with xx.    
xx 79125874 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Property Active B * Property Damage (Lvl 2) The collection comments dated xx/xx/xxxx reflect damage to the subject property due to xx which has impacted on xx/xx/xxxx and had to pay out of pocket for damages. Further information has been provided related to the damages bring repaired. The latest BPO report is not available in the loan file to confirm the current condition of the subject property.    
xx 79125874 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comment is available from xx/xx/xxxx toxx/xx/xxxx. However, we require the latest 24 months of servicing comment. The servicing comment is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 79125874 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Florida State. The following required state disclosures are missing from the loan file.
1.Anti-Coercion Notice
2.Title Insurance Disclosure
3.Radon Gas Disclosure
4.Insurance Sales Disclosure		    
xx 79125874 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) TILA Finance Charge Test: FAIL  Loan Data : xx  Comparison data : xx  Variance : -$274.97

TILA Foreclosure Rescission Finance Charge Test: FAIL  Loan Data : xx  Comparison Data : xx  Variance : -$274.97		    
xx 79125874 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA Finance Charge Test: FAIL  Loan Data : $47,317.79  Comparison data : $47,592.76  Variance : -$274.97
This loan failed the TILA finance charge test.
The finance charge is $47,592.76. The disclosed finance charge of $47,317.79 is not considered accurate because it is
understated by more than $100.

TILA Foreclosure Rescission Finance Charge Test: FAIL  Loan Data : $47,317.79  Comparison Data : $47,592.76  Variance : -$274.97
This loan failed the TILA foreclosure rescission finance charge test.
The finance charge is $47,592.76. The disclosed finance charge of $47,317.79 is not considered accurate for purposes of
rescission because it is understated by more than $35.		    
xx 55262670 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 55262670 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 55262670 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) CE risk indicator is moderate,
TILA Finance Charge Test: Loan Data: $153,725.33, Comparison Data:$242,891.74, Variance: -$89,166.41.
.		    
xx 55262670 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) CE TILA test failed due to,
This loan failed the TILA finance charge test.
The finance charge is $242,891.74. The disclosed finance charge of $153,725.33 is not considered accurate because it is understated by more than $100.		    
xx 55262670 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Doc Issue Active B * Title policy missing (Lvl 3) Lender's final title policy / TPOL is missing from the loan file; and there is title commitment available in the loan file doc locator (xx).    
xx 55262670 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider is missing from loan file.    
xx 55262670 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from loan file.    
xx 55262670 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 55262670 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in FL state, however required state disclosure missing from loan file.
1. Anti-Coercion Notice
2. Title Insurance Disclosure
3. Radon Gas Disclosure
4. Insurance Sales Disclosure		    
xx 49986783 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 49986783 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 49986783 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Property Active B * Property Damage (Lvl 2) According to the servicing comment dated xx/xx/xxxx the file was placed on hold for hurricane xx Disaster Protection Efforts. Borrower will pay online for loss due to the fire/Flood but the comment xx/xx/xxxx state that borrower can’t commit to pay and the reason for default was due to the disaster. The comment dated xx/xx/xxxx state that the file released from FC referral hold for hurricane xx due to disaster protection expired. No further details have been found.    
xx 49986783 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 49986783 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider disclosure is missing from the loan file.    
xx 49986783 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Florida State and the required disclosures are missing as follow.
Anti-Coercion Notice, Insurance Sales Disclosure.		    
xx 65454418 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 65454418 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 65454418 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 65454418 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from the loan file.    
xx 65454418 xx 561 561-882 xx Non-QM QC Complete Georgia xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 65454418 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Title Policy Active B * Missing Final Title Policy with applicable Alta endorsements. (i.e., Alta 8.1, 9) (Lvl 3) The final title policy is missing from the loan file but there is a Short form policy is also available in the file with the effective date of xx  with the subject mortgage a date of xx.    
xx 19390883 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 19390883 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 19390883 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 19390883 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 19390883 xx 561 561-882 xx Non-QM QC Complete Alabama xx Valuation Property Active B * Property Damage (Lvl 2) The comment dated xx/xx/xxxx shows that borrower had filed a claim for fire damages to the property. The date of loss wasxx/xx/xxxx. Also, the comment dated xx/xx/xxxx shows that the borrower informed xx that repairs should be completed in a couple weeks on 3/20. The amount of damages is not available.
No BPO and inspection reports have been provided.		    
xx 19390883 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comments are available from xx/xx/xxxx toxx/xx/xxxx. However, we require the latest 24 months’ servicing comments. The servicing comments are missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 19390883 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Alabama State. The following state disclosure is missing in the loan file:
1. Choice of Insurer.		    
xx 15514330 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 15514330 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 15514330 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Form is missing from the loan file.    
xx 15514330 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing Transfer Document is missing from the loan file.    
xx 15514330 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The List of service provider is missing from the loan file.    
xx 15514330 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comment is available from xx/xx/xxxx to xx/xx/xxxx. However, we require the latest 24 months of servicing comment. The servicing comment is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 15514330 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in VA state. The following required state disclosures are missing from the loan file.
1. Choice of Settlement Agent Disclosure.
2. Copy of Appraisal or Statement of Appraised Value.		    
xx 93974447 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 93974447 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 93974447 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 4) xx    
xx 93974447 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An Appraisal report is missing from the loan file.However, the value are updated by the appraisal report dated xx    
xx 93974447 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from the loan file.    
xx 93974447 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is missing from the loan file.    
xx 93974447 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from the loan file.    
xx 93974447 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 93974447 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 3) The loan is a conventional type loan and the final application shows the mortgage insurance amount is xx. Also, the tape data shows the MI company name as xx However, the MI certificate is required but missing from the loan file.    
xx 12621241 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 12621241 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 12621241 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 12621241 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business form is missing from the loan file.    
xx 12621241 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase risk indicator shows moderate due to TILA Finance Charge Test and TILA Foreclosure Rescission Finance Charge Test failed.    
xx 12621241 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of services providers document is missing from the loan file.    
xx 12621241 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 3) MI certificate is missing from the loan file.    
xx 12621241 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by borrower.    
xx 12621241 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer disclosure is missing from the loan file.    
xx 12621241 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located at New Jersey State. The following state disclosures are missing from the loan file.
·NJ Application Disclosure.
·Delivery Fee Authorization
·NJ Attorney Disclosure
·The unacceptability of Insurance Notice
·Attorney Disclosure II
·Tax Bill Information
·Private Well Testing
·Lock-In Agreement
·Commitment Disclosures
·Choice of Insurer Disclosure
·Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application.		    
xx 12621241 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) )
The finance charge is $476,943.14. The disclosed finance charge of $476,825.88 is not considered accurate because it is understated by more than $100.

This loan failed the TILA foreclosure rescission finance charge test. ( 12 CFR §1026.23(h) , transferred from 12 CFR §226.23(h) )
The finance charge is $476,943.14. The disclosed finance charge of $476,825.88 is not considered accurate for purposes of rescission because it is understated by more than $35.		    
xx 10045541 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 10045541 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 10045541 xx 561 561-882 xx Non-QM QC Complete Arizona xx Legal Docs Legal Docs Active B * Updated title review shows IRS / vehicle / federal / personal tax liens (Lvl 2) According to updated title report dated xx/xx/xxxx, there is IRS lien against the subject borrower xx.    
xx 10045541 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase Risk Indicator is Moderate due to TILA failed for 'Foreclosure Rescission Finance Charge Test'.
Loan Data $236,122.16, Comparison Data $236,161.13,  Variance -$38.97.		    
xx 10045541 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) ComplianceEase TILA Test failed for TILA foreclosure rescission finance charge test.
The finance charge is $236,161.13. The disclosed finance charge of $236,122.16 is not considered accurate for purposes of rescission because it is understated by more than $35.		    
xx 10045541 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 is missing from the loan file ; however, the values consider from the initial 1003 (Doc-locator-262).    
xx 10045541 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider disclosures is missing from the loan file.    
xx 92105889 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 92105889 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 92105889 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Following are the required state disclosure missing from the loan file;
Anti-Coercion Notice
Insurance Sales Disclosure		    
xx 92105889 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from the loan file.    
xx 24974772 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 24974772 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 24974772 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Rvw shows prop. owner of record is not borr. (Lvl 2) xx    
xx 24974772 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated Business Disclosure is missing from the loan file.    
xx 24974772 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) The Initial Escrow Account Disclosure is missing from the loan file.    
xx 24974772 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in the California state. The following state disclosures are missing from the loan file:
1. ·Impound Account Disclosure
2. ·Cosigner Notice
3. ·Private Mortgage Insurance Disclosure
4. ·Earthquake Disclosure forCondominiums
5. ·Hazard Insurance Disclosure
6. ·Insurer RecommendationDisclosure
7. ·CA Fair Lending Notice
8. ·Anti-Tying Disclosure
9. ·Privacy Notice
10. ·Notice of Right to Copy of Appraisal
11. ·Application for Credit-Married Persons
12. ·Fair Debt Collection Notice
13. ·Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 24974772 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 47898798 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Rvw shows prop. owner of record is not borr. (Lvl 2) According to the updated title report dated xx/xx/xxxx the borrower "xx" through the grant deed recorded on xx. Hence, the current property owner is not same as the borrower. The collection comments shows one of the borrower was deceased. Hence, only one borrower transferred the property.    
xx 47898798 xx 561 561-882 xx Non-QM QC Complete California xx Data Edit Data Edit Active B * Deceased Borrower(s) (Lvl 3) According to the updated title report dated xx/xx/xxxx, the borrower,xx was deceased on xx. However, no details regarding the death certificate or probate has been found in the collection comments.

.		    
xx 47898798 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD1 is not executed by the borrower.    
xx 47898798 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Following state disclosures are missing from the loan file.
Impound Account Disclosure
Cosigner Notice
Private Mortgage Insurance Disclosure
Earthquake Disclosure for condominiums
Hazard Insurance Disclosure
Insurer RecommendationDisclosure
Anti-Tying Disclosure
Privacy Notice
Application for Credit-Married Persons
Fair Debt Collection Notice
Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 47898798 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 47898798 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider disclosure is missing from the loan file.    
xx 47898798 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from the loan file.    
xx 47898798 xx 561 561-882 xx Non-QM QC Complete California xx NPL NPL Active B * Evidence in the file shows the property was surrendered to the courts/trustee (Lvl 2) The borrower had filed the bankruptcy on had filed bankruptcy under chapter-xx Case#xx which states that the debtor will pay the total claim by selling the subject property. But the bankruptcy was terminated on xx. Also, the updated title shows the current vesting in the name of owner.    
xx 47898798 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) The chain of assignment is incomplete as there is a break in chain of assignment from xx to xx.    
xx 53513221 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 53513221 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 53513221 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the  loan file.    
xx 53513221 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase Risk Indicator is Moderate due to TILA Finance Charge Test and TILA Foreclosure Rescission Finance Charge Test are failed.    
xx 53513221 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) ComplianceEase TILA Test Failed due to TILA Finance Charge Test and TILA Foreclosure Rescission Finance Charge Test.
1.TILA Foreclosure Rescission Finance Charge Test shows Loan Data $284,684.24 Comparison Data $284,919.45 and Variance -$235.21.
The finance charge is $284,919.45. The disclosed finance charge of $284,684.24 is not considered accurate for purposes of
rescission because it is understated by more than $35.
2.TILA Finance Charge Test shows Loan Data $284,684.24 Comparison Data $284,919.45 and Variance -$235.21.
The finance charge is $284,919.45. The disclosed finance charge of $284,684.24 is not considered accurate because it is
understated by more than $100.		    
xx 53513221 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow disclosure is missing from the loan file.    
xx 53513221 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure  is missing from the loan file.    
xx 53513221 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Rvw shows prop. owner of record is not borr. (Lvl 2) xx    
xx 53513221 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 53513221 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The Subject property is located in Florida (FL) state. The below Required State disclosures are missing in the given loan files. 
1]Anti-Coercion Notice.
2]Title Insurance Disclosure.
3]Insurance Sales Disclosure.		    
xx 25877004 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 25877004 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 25877004 xx 561 561-882 xx Non-QM QC Complete Florida xx Data Edit Data Edit Active B * Foreclosure Delay or Contested (Lvl 2) According to comment dated xx/xx/xxxx, the servicer notified contested issue. Unable to determine the contested matter. However, the contested issue was resolved on xx/xx/xxxx.    
xx 25877004 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 25877004 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 25877004 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider document is missing from the loan file.    
xx 25877004 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The notice of servicing transfer disclosure is missing from the loan file.    
xx 25877004 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
xx 25877004 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) The ROR was not hand dated by the borrower.    
xx 25877004 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Florida State. The following state disclosures are missing in the loan file.
1.Anti-Coercion Notice
2.Title Insurance Disclosure
3.Radon Gas Disclosure
4.Insurance Sales Disclosure		    
xx 97262684 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 97262684 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 97262684 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 97262684 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service providers is missing from the loan file.    
xx 97262684 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
xx 97262684 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located inCalifornia , However, the following state disclosures are missing from the loan file.
1.Impound Account Disclosure
2.Cosigner Notice
3.Private Mortgage Insurance Disclosure
4.Earthquake Disclosure for Condominiums
5.Hazard Insurance Disclosure
6.Insurer Recommendation Disclosure
7.CA Fair Lending Notice
8.Anti-Tying Disclosure
9.Privacy Notice
10.Notice of Right to Copy of Appraisal
11.Application for Credit-Married Persons
12.Fair Debt Collection Notice
13.Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 97262684 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to calculate operative index value from the loan file.    
xx 70107766 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 70107766 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 70107766 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 70107766 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider document is missing from the loan file.    
xx 70107766 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 3) LTV is xx  which is greater than xx hence MI certificate is required; however, it is missing from the loan file.    
xx 70107766 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 70107766 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer disclosure is missing from the loan file.    
xx 70107766 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Wisconsin State. The following state disclosure are missing from the loan file.
1.Explanation of Personal Obligation
2.Marital Property Act Disclosure
3.Pre-Application Fee Disclosure
4.Choice of Insurance Disclosure
5.Escrow Disclosure
6.Co-Signer Notice
7.Tattle Tale Notice under the Marital Property Act		    
xx 94194807 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 94194807 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 94194807 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) According to the review of the updated title report dated xx/xx/xxxx, there are two code Enforcement liens in the favor of xx. The subject property is located FL state which is a super lien state. There is a possibility of FC by above said liens.    
xx 94194807 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business form is missing from the loan file.    
xx 94194807 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 94194807 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 94194807 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The following disclosures are missing from the loan file.
1. Anti-Coercion Notice
2. Radon Gas Disclosure
3. Insurance Sales Disclosure		    
xx 94194807 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 94194807 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.
The finance charge is $206,309.97. The disclosed finance charge of $205,074.37 is not considered accurate because it is
understated by more than $100.
TILA Finance Charge Test: FAIL Loan Data $205,074.37 Comparison Data $206,309.97 Variance -$1,235.60
This loan failed the TILA foreclosure rescission finance charge test.
The finance charge is $206,309.97. The disclosed finance charge of $205,074.37 is not considered accurate for purposes of
rescission because it is understated by more than $35.
TILA Foreclosure Rescission Finance Charge Test: FAIL Loan Data $205,074.37 Comparison Data $206,309.97 Variance -$1,235.60		    
xx 94194807 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA finance charge test.
This loan failed the TILA foreclosure rescission finance charge test.		    
xx 41537355 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 41537355 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 41537355 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) CE Risk indicator is "Moderate" due to,
This loan failed the TILA right of rescission test.
The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last.		    
xx 41537355 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) CE TILA test failed due to,
TILA Right of Rescission Test: Failed.		    
xx 41537355 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Rvw shows prop. owner of record is not borr. (Lvl 2) xx    
xx 41537355 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider is missing from loan file.    
xx 41537355 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 41537355 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in FL state, however required state disclosure missing from loan file.
1. Anti-Coercion Notice.
2. Insurance Sales Disclosure.		    
xx 44492770 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business form is missing from the loan file.    
xx 44492770 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal at the origination is missing from the loan file.    
xx 44492770 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Below mentioned required state disclosures are missing from the loan file:
1. Amortization Schedule Disclosure
2. Credit Property Insurance Disclosure
3. Fee Agreement
4. Priority of Security Instrument Disclosure
5. Attorney Selection Disclosure		    
xx 44492770 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application is missing from the loan file.    
xx 44492770 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 is missing from the loan file. And estimated HUD-1/Fee itemization/GFE are also not available in the loan file.    
xx 44492770 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 44492770 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 44492770 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers document is missing from the loan file.    
xx 44492770 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 44492770 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 57745328 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 57745328 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 57745328 xx 561 561-882 xx Non-QM QC Complete Virginia xx Valuation Property Active B * Property Damage (Lvl 2) According to the servicing comment dated xx/xx/xxxx the reason for default was disaster and it also states that the program still working on repairs but the borrower is also in the disaster relief program which has been expired on xx. No other information about the same has been found in latest 24 months servicing comment.    
xx 57745328 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 57745328 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Title Review Active B * Title Rvw shows prop. owner of record is not borr. (Lvl 2) xx    
xx 57745328 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider disclosure is missing from the loan file.    
xx 57745328 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated Business Disclosure is missing from the loan file.    
xx 57745328 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer disclosure is missing from the loan file.    
xx 57745328 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Virginia State and the required disclosures are missing from the loan file as follow.
Choice of Settlement Agent Disclosure, Copy of Appraisal or Statement of Appraised Value.		    
xx 6444875 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 6444875 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 6444875 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 6444875 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Form is missing from the loan file.    
xx 6444875 xx 561 561-882 xx Non-QM QC Complete Florida xx Data Edit Data Edit Active B * Deceased Borrower(s) (Lvl 3) According to the updated title report dated xx/xx/xxxx, the borrower,xx was deceased on xx. However, no details regarding the death certificate or probate has been found in the collection comments.

.		    
xx 6444875 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Legal Docs Active B * Updated title review shows IRS / vehicle / federal / personal tax liens (Lvl 2) As per the updated title report, there is an IRS lien in the amount of xx in the favor of Internal Revenue Service. The SSN# is not provided to check the validity of the lien.    
xx 6444875 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Providers Disclosure is missing from the loan file.    
xx 6444875 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by the borrower.    
xx 6444875 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 3) The loan type is conventional. The MI fees as per the application is xx. Tape reflects MI coverage percentage as xx. However, the MI certificate is missing from the loan file.    
xx 6444875 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 6444875 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 6444875 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in FL State. The following state disclosures are missing from the loan files.

1.Anti-Coercion Notice
2.Title Insurance Disclosure
3.Radon Gas Disclosure
4.Insurance Sales Disclosure		    
xx 5467586 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 5467586 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 5467586 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business disclosure is missing from the loan file.    
xx 5467586 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Property Active B * Property Damage (Lvl 2) As per the collection comment xx/xx/xxxx property had a broken window, and damage to the roof. Property needed repairs in the amount of $4000.00. No details were found regarding the insurance claim or information regarding repairs. The latest BPO is unavailable.    
xx 5467586 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 are missing from the loan file; however the initial 1003 is available located on xx dated on xx. data has been updated from the same.    
xx 5467586 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider is missing from the loan file.    
xx 5467586 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 5467586 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing Transfer document is missing from the loan file.    
xx 5467586 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in florida state. The state disclosure missing from the loan file are: Anti-Coercion Notice, Title Insurance Disclosure and Insurance Sales Disclosure.    
xx 11301842 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 11301842 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 11301842 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) According to the review of updated title report dated xx/xx/xxxx, there is an open senior mortgage found on the subject property in the amount of xx prior to the subject mortgage. There is no release or satisfaction found regarding this senior mortgage. The final title policy at the time of origination does not show any exception for this mortgage. Also, the final HUD 1 shows that this mortgage was paid off.    
xx 11301842 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Doc Issue Active B * ROR Transaction date not consistent with Note and/or HUD (Lvl 2) ROR transaction date (xx) is  different from Note date and settlement date (xx).    
xx 11301842 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The Compliance Ease risk indicator is "Moderate" due to
1) TILA Finance Charge Test:
2) TILA Foreclosure Rescission Finance Charge Test:		    
xx 11301842 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service providers are missing from the loan file.    
xx 11301842 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) xx    
xx 11301842 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Massachusetts State.
The following Disclosures are missing from the loan file:
Lead-Based Paint Disclosure
Mortgage Loan Application Disclosure
Carbon Monoxide Alarms
MA Smoke Detector Certificate
Notice of the Specific Reason for Denial of Credit
Demonstration and Documentation of Compliance with Borrower’s Interest Requirement		    
xx 11301842 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan is failed for:-
1) TILA Finance Charge Test
The Loan Data is $383,329.44 The Comparison Data is $383,881.68 and the  Variance is -$552.24.
2) TILA Foreclosure Rescission Finance Charge Test
The Loan Data is $383,329.44 The Comparison Data is $383,881.68 and the  Variance is -$552.24.		    
xx 27856563 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 27856563 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 27856563 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit DTI Active B * DTI > 60% (Lvl 2) According to final loan application, total monthly income of the borrower is xx and total monthly expenses are in the amount of $5,056.36. Hence, DTI is calculated as xx% which exceeds xx%.    
xx 27856563 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower    
xx 27856563 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 27856563 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer is missing from the loan file.    
xx 27856563 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from the loan file.    
xx 27856563 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Required state disclosure missing from the loan file  in the below list.
1.Attorney Selection Disclosure
2.Priority of Security Instrument Disclosure
3.Fee Agreement
4.Credit Property Insurance Disclosure		    
xx 27856563 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by the borrower.    
xx 11304351 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 11304351 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 11304351 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Subject property is located in Virginia state.
The following state Disclosures are missing from the loan file:
1 VA Application Disclosure
2 Choice of Settlement Agent Disclosure
3 Disclosure of Charges For Appraisal or Valuation
4 Copy of Appraisal or Statement of Appraised Value
5 Affiliated Business Disclosure		    
xx 11304351 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The affiliated business disclosure is missing from the loan file.    
xx 11304351 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Title Review Active B * Title Rvw shows prop. owner of record is not borr. (Lvl 2) xx    
xx 11304351 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider disclosure is missing from the loan file    
xx 11304351 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The notice of service transfer missing from the loan file.    
xx 11304351 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 11304351 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Title Review Active B * Title Review shows lien by DOJ_Department of Justice (Lvl 4) The updated title report dated xx/xx/xxxx shows, there are three USA liens active against xx. The SSN# and property address given in lien sporting documents is matches with subject borrower SSN# and subject property address. This lien can foreclose the subject property and impact on subject mortgage lien.    
xx 11304351 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Title Review Active B * Active State Tax Lien Judgement. (Lvl 2) The updated title report dated xx/xx/xxxx shows, there is state tax lien against xx.    
xx 11304351 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 62994052 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 62994052 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 62994052 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) As per the review of the updated title report dated xx/xx/xxxx, the chain of assignment has not been completed. Currently, the mortgage is with xx.    
xx 62994052 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Mortgage Active B * Mortgage  (Lvl 2) As per the review of the updated title report dated xx/xx/xxxx, there is a junior mortgage in the amount xx. The subject mortgage was originated on xx.    
xx 62994052 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service providers disclosure is missing from the loan file.    
xx 62994052 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 62994052 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject mortgage is located in the California state. The following Disclosures are missing from the loan file:

1.Impound Account Disclosure
2. Cosigner Notice
3. Private Mortgage Insurance Disclosure
4. Earthquake Disclosure for condominiums
5. Hazard Insurance Disclosure
6. Insurer RecommendationDisclosure
7. CA Fair Lending Notice
8. Anti-Tying Disclosure
9. Privacy Notice
10. Notice of Right to Copy of Appraisal
11. Application for Credit-Married Persons
12. Fair Debt Collection Notice
13. Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application
14. Oregon Forced Placed Insurance Notice
15. Notice where Escrow Account is NOT Required
16. Escrow Notice for Loans Sold to Out-of-State Purchases within one year
17. Anti-Coercion Notice
18. Insurance Premium Notice
19. Insurance Sales Notice
20. Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 94626736 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 94626736 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 94626736 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 94626736 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 94626736 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow disclosure is missing from the loan file.    
xx 94626736 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 94626736 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure  is missing from the loan file.    
xx 94626736 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comment is available from xx/xx/xxxx toxx/xx/xxxx. However, we require the latest 24 months of comment history. The Comment History is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 94626736 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The Subject property is located in Wisconsin  (WI) state. The below Required State disclosures are missing in the given loan files.
1] Explanation of Personal Obligation.
2] Marital Property Act Disclosure.
3] Choice of Insurance Disclosure.
4] Co-Signer Notice.
5] Tattle Tale Notice under the Marital Property Act.		    
xx 47168172 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 47168172 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 47168172 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 47168172 xx 561 561-882 xx Non-QM QC Complete Arizona xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 47168172 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Providers is missing from the loan file.    
xx 47168172 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan Program Disclosure is missing from the loan file.    
xx 47168172 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing Transfer Document is missing from the loan file.    
xx 47168172 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The comment history is incomplete. The available comment history is from xx/xx/xxxx to xx/xx/xxxx. The missing comment history is from xx/xx/xxxx toxx/xx/xxxx. Hence, we require latest 24 months comment history.    
xx 47168172 xx 561 561-882 xx Non-QM QC Complete Arizona xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 47168172 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to determine Operative index value from the available loan file.    
xx 24804358 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 24804358 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 24804358 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Following state disclosures are missing from the loan file:
1.Anti-Coercion Notice
2.Title Insurance Disclosure
3.Radon Gas Disclosure
4.Insurance Sales Disclosure		    
xx 24804358 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is missing from the loan file.    
xx 24804358 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Payment History is available from datexx/xx/xxxx tillxx/xx/xxxx. However, we required latest 12 months pay history. Payment History are missing from date xx/xx/xxxx till xx/xx/xxxx.    
xx 24804358 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from the loan file.    
xx 24804358 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 24804358 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) xx    
xx 24804358 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 49992100 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 49992100 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 49992100 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit DTI Active B * DTI > 60% (Lvl 2) According to final application the total monthly income of the borrower is xx; however, total monthly debts of the borrower are in the amount of xx. Hence, DTI is xx which is greater than xx.    
xx 49992100 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Valuation Property Active B * Property Damage (Lvl 2) As per the servicing comments dated on xx/xx/xxxx, the property was damaged.
The borrower has filed insurance and was received a check in the amount of $794.28.
The further details of damages and repairs have not been found.		    
xx 49992100 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 49992100 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) LTV is xx  which is greater than xx hence MI certificate is required; however, it is missing from the loan file.    
xx 49992100 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The affiliated business disclosure is missing from the loan file.    
xx 49992100 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The notice of servicing transfer missing from the loan file.    
xx 49992100 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in South Carolina State.
The following Disclosures are missing from the loan file:
Agent Preference Disclosure
Casualty Insurance Disclosure
Manufactured Home Loan  Disclosures		    
xx 49992100 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Legal Docs Legal Docs Active B * Updated title review shows IRS / vehicle / federal / personal tax liens (Lvl 2) Updated title report dated xx/xx/xxxx shows that there is one IRS lien against the borrower xx.    
xx 84091544 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from the loan file.    
xx 84091544 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Connecticut state. Following required Disclosures are missing from the loan file:
Appraisal Disclosure
2nd Liens = provide CT disclosure and comply with terms Mortgage Insurance Disclosure
Interest Rate Disclosure
Payoff Statement Disclosure
Legal RepresentationDisclosure
Non-Prime HUD ContactDisclosure
Non-Prime Notice of LoanTerms Disclosure
Interim Financing Disclosure		    
xx 3567788 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 3567788 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 3567788 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 3567788 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business disclosure is missing from the loan file.    
xx 3567788 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 3567788 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 3) The loan is conventional and LTV is xx. Hence, the MI certificate is required and is missing from the loan file.    
xx 3567788 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Wisconsin State and the WI state requires total 5 disclosures, all are missing from the loan file.
1)Explanation of Personal Obligation
2)Marital Property Act Disclosure
3)Choice of Insurance Disclosure
4)Co-Signer Notice
5)Tattle Tale Notice under the Marital Property Act		    
xx 37684933 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 37684933 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 37684933 xx 561 561-882 xx Non-QM QC Complete Georgia xx Data Edit Data Edit Active B * Litigation (Lvl 3) According to comment xx/xx/xxxx, the foreclosure was on hold due to litigation. We do not have enough comments (provided till xx/xx/xxxx) to confirm that litigation was resolved or not.    
xx 37684933 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) MI cert is missing from loan file.    
xx 37684933 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Required State disclosure in missing from the below list.
1.Disclosure of Additional Fees		    
xx 37684933 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Servicing comments are available in the file from xx/xx/xxxx to xx/xx/xxxx. However, we require latest 24 months comments history; Servicing comments are missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 37684933 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 67800848 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 67800848 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 67800848 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 67800848 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated business disclosure is missing from the loan file.    
xx 67800848 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service providers disclosure is missing from the loan file.    
xx 67800848 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Guidelines Active B * Cash out purchase (Lvl 2) This is a purchase transaction. However, the borrower received cash in hand in the amount of $70.97.    
xx 33186117 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 33186117 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 33186117 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 33186117 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 3) PMI certificate is missing from the loan file.    
xx 33186117 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated business disclosure is missing from the loan file.    
xx 33186117 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service providers is missing from the loan file.    
xx 33186117 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The notice of service transfer is missing from the loan file.    
xx 33186117 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The property is located in California state. The following required state disclosures are missing from the loan file:
1. Impound Account Disclosure.
2. Cosigner Notice.
3. Private Mortgage Insurance Disclosure.
4. Earthquake Disclosure forCondominiums.
5. Hazard Insurance Disclosure.
6. Insurer RecommendationDisclosure.
7. CA Fair Lending Notice.
8. Anti-Tying Disclosure.
9 Privacy Notice.
10. Notice of Right to Copy of Appraisal.
11. Application for Credit-Married Persons.
12. Fair Debt Collection Notice.
13. Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application.		    
xx 33186117 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * ROR Transaction date not consistent with Note and/or HUD (Lvl 2) The ROR transaction date is xx which is inconsistent with the Note date i.e xx.    
xx 33186117 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 44010679 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 44010679 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 44010679 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Valuation Property Active B * Property Damage (Lvl 2) Comment dated xx/xx/xxxx and xx/xx/xxxx shows the property is damaged but amount and nature is not available in the comments.    
xx 44010679 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 44010679 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of servicing provider list is missing from the loan file.    
xx 44010679 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) Loan type is conventional and LTV is xx its greater than xx. MI certificate is required but not available in the loan file.    
xx 44010679 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing Transfer document is missing from the loan file.    
xx 44010679 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Active Judgment Against Borrower (Lvl 3) The Protitle shows the mortgage originated on xx. There is senior Active Judgment and Lien pending against the borrower is as following.
1) There is a Civil Judgment against the borrower of xx
2) There is a Civil Judgment against the borrower of xx
3) There is a Civil Judgment against the borrower of xx		    
xx 16762790 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 16762790 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 16762790 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Credit Title Review Active B * Title Review shows different mtg holder of record (Lvl 2) According to the updated title report dated xx/xx/xxxx the mortgage was originated by xx had quit the rights from the subject property and the property was transferred to xx. Hence the updated title report shows current ownership in the name of xx.    
xx 16762790 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Data Edit Data Edit Active B * Deceased Borrower(s) (Lvl 3) According to the updated title report dated xx/xx/xxxx, the borrower,xx was deceased on xx. However, no details regarding the death certificate or probate has been found in the collection comments.

.		    
xx 16762790 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) CE risk indicator is "Moderate" as this loan failed the TILA foreclosure rescission finance charge test as the finance charge is xx. The disclosed finance charge of xx is not considered accurate for purposes of rescission because it is understated by more than $35.

TILA Foreclosure Rescission Finance Charge Test: FAIL     Charged: xx    Allowed: xx     Variance: -$45.00		    
xx 16762790 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx NPL General Active B * Describe the BK payment plan (Lvl 3) xx    
xx 16762790 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Explanation of Personal Obligation, Marital Property Act Disclosure, Choice of Insurance Disclosure, Tattle Tale Notice under the Marital Property Act are missing from loan files    
xx 16762790 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 16762790 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer disclosure is missing from loan files.    
xx 16762790 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA foreclosure rescission finance charge test as the finance charge is $521,762.75. The disclosed finance charge of $521,717.75 is not considered accurate for purposes of rescission because it is understated by more than $35.

TILA Foreclosure Rescission Finance Charge Test: FAIL     Charged: $521,717.75    Allowed: $521,762.75     Variance: -$45.00		    
xx 28141595 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 28141595 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 28141595 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 28141595 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider document is missing from the loan file.    
xx 28141595 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 3) The loan is a conventional type loan. As per the tape data, the MI certificate is yes and MI company name is xx Also, the LTV and CLTV exceed xx. However, the MI certificate is required but is missing from the loan file.    
xx 28141595 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The notice of servicing transfer disclosure is missing from the loan file.    
xx 28141595 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
xx 28141595 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Florida State. The following state disclosures are missing in the loan file.
1.Anti-Coercion Notice
2.Title Insurance Disclosure
3.Radon Gas Disclosure
4.Insurance Sales Disclosure		    
xx 28141595 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA finance charge test.
The finance charge is xx. The disclosed finance charge of xx is not considered accurate because it is
understated by more than $100.		    
xx 28141595 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA Finance Charge Test: Loan data :$484,011.58, Comparison data : $485,107.31, Variance :-$1,095.73.    
xx 84263248 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 84263248 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 84263248 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Active Judgment Against Borrower (Lvl 3) As per the updated title report, there is an active senior mechanics lien against the borrower xx.
There is an active senior Hospital lien against the borrower xx		    
xx 84263248 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Comments are available from xx/xx/xxxx tillxx/xx/xxxx. Comment history is missing from xx/xx/xxxx toxx/xx/xxxx as we required latest 24 months collection.    
xx 84263248 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 84263248 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is missing from the loan file.    
xx 84263248 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Florida state.The following state disclosures are missing from the loan file.
1.Anti-Coercion Notice
2.Title Insurance Disclosure
3.Radon Gas Disclosure
4.Insurance Sales Disclosure		    
xx 84263248 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 24936896 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 24936896 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 24936896 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated business disclosure is missing from the loan file.    
xx 24936896 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) The final TIL is not hand dated by the borrower.    
xx 24936896 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Other Disclosures Active B * Missing Required Disclosures (Lvl 2) The list of service providers disclosure is missing from the loan file.    
xx 24936896 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 24936896 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The servicing transfer disclosure is missing from the loan file.    
xx 24936896 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in the state of Florida. The following state disclosures are missing from the loan file.
Anti-Coercion Notice, Title Insurance Disclosure, Radon Gas Disclosure, Insurance Sales Disclosure.		    
xx 41759851 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 41759851 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 41759851 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business form is missing from the loan file.    
xx 41759851 xx 561 561-882 xx Non-QM QC Complete Alabama xx Valuation Valuation Active B * Property Damage (Lvl 2) As per the collection comment dated xx/xx/xxxx, the property had damaged due to fire. Date of loss wasxx/xx/xxxx. Insurance claim amount is $14,170.20 and a check is approved in the amount of $13,170.20. As per the comment dated xx/xx/xxxx, policy xx lapses and cancellation was effective from xx/xx/xxxx. However, as per the comment dated xx/xx/xxxx, the same policy #xx is still active and in force. No further details have been received whether the borrower received claim amount and completed the repairs of the property damage as the latest BPO report is not available.    
xx 41759851 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Below mentioned required state disclosure is missing from the loan file:
1. Choice of Insurer		    
xx 41759851 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow disclosure is missing from the loan file.    
xx 41759851 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 41759851 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer document is missing from the loan file.    
xx 41759851 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The comment history is available from xx/xx/xxxx toxx/xx/xxxx. However, we require latest 24 months comments history. The comment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 41759851 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) xx    
xx 41759851 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 19416192 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 19416192 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 19416192 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Doc Issue Active B * Application Missing (Lvl 2) "Final loan application / 1003 is missing from the loan file."    
xx 19416192 xx 561 561-882 xx Non-QM QC Complete Arizona xx Data Edit Data Edit Active B * Excessive Property Damage Noted (Lvl 3) According to the collection comment dated xx/xx/xxxx, the subject property got damaged on xx/xx/xxxx due to the flood/water. The collection comments unable to confirm the nature of damage. The debtor filed claim for the same in the amount of $13,362.44 and the insurance company “xx. The insurance company release next check in the amount of $2,355.92 on xx/xx/xxxx. According to the collection comment dated xx/xx/xxxx, the debtor filed updated claim in the amount of $15,026.64 and the insurance company “xx.  Based on the collection comments it is unable to confirm the estimated repair amount and also, unable to confirm which state whether the damage repaired. The BPO report is not available also; the latest collection comments does not have information regarding this property damage.    
xx 19416192 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 19416192 xx 561 561-882 xx Non-QM QC Complete Arizona xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal report is missing from the loan file.    
xx 19416192 xx 561 561-882 xx Non-QM QC Complete Arizona xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD-1 is not signed by the borrower.    
xx 19416192 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 19416192 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 19416192 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of servicing providers disclosure is missing from the loan file.    
xx 19416192 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) Right of rescission is missing from the loan file.    
xx 19416192 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer disclosure is missing from the loan file.    
xx 19416192 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comment is available from xx/xx/xxxx toxx/xx/xxxx. However, we require the latest 24 months of servicing comment. The servicing comment is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 19416192 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA APR test.
Loan Data:0.000% Comparison Data:5.632%  Variance-5.632%		    
xx 19416192 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA APR test.
Loan Data:0.000% Comparison Data:5.632%  Variance-5.632%
This loan failed the TILA APR test.
The annual percentage rate (APR) is 5.632%. The disclosed APR of 0.000% is not considered accurate because it is more than
1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method		    
xx 18609795 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 18609795 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Comment history is available from xx/xx/xxxx toxx/xx/xxxx. However we require latest 24 months Comment history. Comment history is missing from xx/xx/xxxx tillxx/xx/xxxx.    
xx 18609795 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application is missing from the loan file.    
xx 18609795 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 18609795 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Data Edit Data Edit Active B * Deceased Borrower(s) (Lvl 3) According to the updated title report dated xx/xx/xxxx, the borrower,xx was deceased on xx. However, no details regarding the death certificate or probate has been found in the collection comments.

.		    
xx 18609795 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The initial Escrow Account Disclosure and List of Service Provider Disclosure is missing from the loan file.    
xx 18609795 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The Pennsylvania HB 2179 requires non-exempt mortgage lenders engaged in the business of making mortgage loans to be licensed, effective November 5th, 2008.    
xx 18609795 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The Servicing Transfer disclosure is missing from the loan file.    
xx 18609795 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 18609795 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * ComplianceEase Exceptions Test Failed (Lvl 2) This loan failed the Pennsylvania license validation test.    
xx 77286266 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 77286266 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 77286266 xx 561 561-882 xx Non-QM QC Complete Michigan xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from loan files    
xx 77286266 xx 561 561-882 xx Non-QM QC Complete Michigan xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
xx 77286266 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Following state disclosures are missing from the loan file.
MI Borrowers Bill of Rights,
MI Consumer Caution and
Homeownership Counseling Notice,
Choice of Insurance Agent		    
xx 77286266 xx 561 561-882 xx Non-QM QC Complete Michigan xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by the borrower.    
xx 77286266 xx 561 561-882 xx Non-QM QC Complete Michigan xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 31557036 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 31557036 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) According to the review of updated title report dated xx/xx/xxxx the subject mortgage is at lower lien position as there is one DOJ (USA) lien against the name of borrower in favor of xx total in the amount of xx. The lien was searched by the name of borrower. However the related document available in the loan file does not reflect the SSN/DOB/property address of the subject borrower, hence it is unable to verify that the lien is against the subject property.
There can be a possibility of foreclosure due to the unpaid non mortgage lien. This can be cured if the lien will paid off with late charges and penalties. To confirm the borrower identity, we called on xx, but the call goes on voice mail.		    
xx 31557036 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Title Review Active B * Title Review shows lien by DOJ_Department of Justice (Lvl 4) According to the review of updated title report dated xx/xx/xxxx, there is one DOJ (USA) lien against the name of borrower in favor of xx. The lien was searched by the name of borrower. However the related document available in the loan file does not reflect the SSN/DOB/property address of the subject borrower, hence it is unable to verify that the lien is against the subject property.
There can be a possibility of foreclosure due to the unpaid non mortgage lien. This can be cured if the lien will paid off with late charges and penalties. To confirm the borrower identity, we called on xx, but the call goes on voice mail.		    
xx 31557036 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 31557036 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 31557036 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business form is missing from the loan file.    
xx 31557036 xx 561 561-882 xx Non-QM QC Complete Maryland xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal Report is missing from the loan file.    
xx 31557036 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) CE Risk indicator is "Moderate" as this loan failed the TILA APR test and This loan failed the TILA right of rescission test and This loan failed the RESPA originator compensation validation test.
TILA APR Test: FAIL loan data:0.000% Comparison data:5.371% variance:-5.371%.
Final TIL is missing from the loan files. However, APR updated as 0.000% hence, annual percentage rate is less than stated original rate.		    
xx 31557036 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final Application is missing from the loan file.    
xx 31557036 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Good Faith Estimate missing or unexecuted (Lvl 2) Final Good Faith Estimate is missing from the loan file.    
xx 31557036 xx 561 561-882 xx Non-QM QC Complete Maryland xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD-1 is not signed by the borrower.    
xx 31557036 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 31557036 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account disclosure is missing from the loan file.    
xx 31557036 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Initial Good Faith Estimate is Missing (Lvl 2) Initial Good Faith Estimate is missing from the loan file.    
xx 31557036 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Initial Truth in Lending Disclosure is Missing (Lvl 2) Initial TIL is missing from the loan file.    
xx 31557036 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider disclosure is missing from the loan file.    
xx 31557036 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) Right of Rescission Document is missing from the loan file.    
xx 31557036 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing Transfer Document form is missing from the loan file.    
xx 31557036 xx 561 561-882 xx Non-QM QC Complete Maryland xx Legal Docs Title Issue Active B * Title issue (Lvl 3) The "Successor and/or Assignee" clause is missing from the short form title policy.    
xx 31557036 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in the Maryland (MD) state and the required below disclosure is missing from the loan file.
1.Affidavit of Consideration		    
xx 31557036 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA APR test.
The annual percentage rate (APR) is 5.371%. The disclosed APR of 0.000% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.
TILA APR Test: FAIL loan data:0.000% Comparison data:5.371% variance:-5.371%.
Final TIL is missing from the loan files. However, APR updated as 0.000% hence, annual percentage rate is less than stated original rate.

This loan failed the TILA right of rescission test.
Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )
The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last.

This loan contains a fee or fees where "compensation to" is set to either "Lender" or "Broker," but this fee or fees should not be
retained by the lender or broker.
Line 801 "Our Origination Charge" should include all charges received by the loan originator(s), except any charge for the specific
interest rate chosen (points) that are entered in line 802 "Your Credit or Charge." In addition, per diem interest and additional
settlement charges not included in other sections which are disclosed in the 1300 series may be retained by the originator(s).
All items in the 1000, 1100, and 1200 series should not be retained by the lender or broker. Additionally, fees for third party
services that the lender requires and selects (lines 804 - 807), mortgage and homeowner's insurance premiums (lines 902 - 903),
and required services that you can shop for in the 1301 section should not be retained by the lender or broker.		    
xx 51991228 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 51991228 xx 561 561-882 xx Non-QM QC Complete Virginia xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 51991228 xx 561 561-882 xx Non-QM QC Complete Virginia xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan file.    
xx 51991228 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Good Faith Estimate missing or unexecuted (Lvl 2) Final GFE is missing from the loan file.    
xx 51991228 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow acct disclosure is missing from the loan file.    
xx 51991228 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Initial Good Faith Estimate is Missing (Lvl 2) Initial GFE is missing from the loan file.    
xx 51991228 xx 561 561-882 xx Non-QM QC Complete Virginia xx Legal Docs Title Issue Active B * Title issue (Lvl 3) ISAOA / It's successors and or assigns clause is missing in short form title policy. Terms and conditions sheet is not available with short form title policy for checking 12C clause.    
xx 51991228 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated Business disclosure is missing from the loan file.    
xx 51991228 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is not executed by the both borrowers.    
xx 51991228 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing Transfer disclosure is missing from the loan file.    
xx 51991228 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Application Not Signed by All Borrowers (Lvl 2) The final application is missing from the loan file. However, values are updated from unsigned application which was located at "xx"    
xx 51991228 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Application Missing (Lvl 2) The final application is missing from the loan file. However, values are updated from unsigned application which was located at "xx"    
xx 51991228 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) The Final TIL is missing from the loan file.    
xx 51991228 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The List of service providers is missing from the loan file.    
xx 51991228 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * Note date different from HUD-1  (Lvl 2) The loan was originated on xx  however, the HUD-1 is executed on xx    
xx 51991228 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * ROR Transaction date not consistent with Note and/or HUD (Lvl 2) The ROR transaction date is xx; however, the loan origination date is xx, which is not consistent with the Note and/or HUD.    
xx 51991228 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Virginia state. The following required state disclosures are missing from the loan file.
1. Choice of Settlement Agent Disclosure.
2. Copy of Appraisal or Statement of Appraised Value.		    
xx 51991228 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA APR test.    
xx 51991228 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA APR Test: FAIL, Loan Data: 0.000%, Comparison Data; 4.644% & Variance:-4.644%.
This loan failed the TILA APR test.
The annual percentage rate (APR) is 4.639%. The disclosed APR of 0.000% is not considered accurate because it is more than
1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.		    
xx 51673292 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Compliance Ease risk indicator is moderate as loan is failing for Pennsylvania license validation test.    
xx 51673292 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 51673292 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * ComplianceEase Exceptions Test Failed (Lvl 2) This loan failed the Pennsylvania license validation test. (PA HB 2179 Section 6111)
The Pennsylvania HB 2179 requires non-exempt mortgage lenders engaged in the business of making mortgage loans to be
licensed, effective November 5th, 2008.
The Pennsylvania Mortgage Lender License and Pennsylvania Exemption Letter (Mortgage Act) are not available for loans with a
closing date before November 5th, 2008.		    
xx 57796189 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 57796189 xx 561 561-882 xx Non-QM QC Complete Michigan xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan file    
xx 57796189 xx 561 561-882 xx Non-QM QC Complete Michigan xx Valuation LTV Active B * LTV or CLTV exceeds 104% (Lvl 2) As the appraisal value is less than loan amount, the LTV/CLTV exceeds xx%.    
xx 57796189 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from the loan file.    
xx 57796189 xx 561 561-882 xx Non-QM QC Complete Michigan xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is missing from the loan file.    
xx 57796189 xx 561 561-882 xx Non-QM QC Complete Michigan xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 57796189 xx 561 561-882 xx Non-QM QC Complete Michigan xx Credit Title Review Active B * Property address changed since origination - address on updated title different from note (Lvl 1) xx    
xx 57796189 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Michigan State and the required "Choice of Insurance Agent" disclosure is missing from the loan file.    
xx 57796189 xx 561 561-882 xx Non-QM QC Complete Michigan xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) This is conventional loan and LTV exceeds xx% hence required the MI Cert which is missing from the loan file.    
xx 61885637 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 61885637 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) Brokerage/Finder Fee Test: FAIL Loan Data $3,241.83 Comparison Data $2,414.00 Variance +$827.83    
xx 61885637 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Doc Issue Active B * Good Faith Estimate missing or unexecuted (Lvl 2) Good faith Estimate is missing from the loan file.    
xx 61885637 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider is missing from the loan file.    
xx 61885637 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by borrower.    
xx 61885637 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The compliance ease test failed the brokerage/finder fee test.    
xx 61885637 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
xx 61885637 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Tennessee state. The following state disclosures are missing from the loan file.
1.Placement of Insurance Disclosure
2.Availability of Title Insurance
3.TN Consent to Disclosure of Insurance Information
4.Choice of Agent/insurer
5.Insurance Solicitation/Post Commitment		    
xx 20228573 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 20228573 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 20228573 xx 561 561-882 xx Non-QM QC Complete Arizona xx Valuation LTV Active B * LTV or CLTV exceeds 104% (Lvl 2) As per the appraisal report, the appraisal value is xx which is less than loan amount xx. So, the CLTV exceeds xx%.    
xx 20228573 xx 561 561-882 xx Non-QM QC Complete Arizona xx Valuation Valuation Active B * Property Damage (Lvl 2) As per the servicing comments dated xx/xx/xxxx, the property had damage due to hurricane xx and the amount of repair is unavailable.The borrower stated property had damages and currently working on getting an estimated cost  of damages and repairs.
 No comments have been found stating these damages have been repaired.		    
xx 20228573 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Doc Issue Active B * Good Faith Estimate missing or unexecuted (Lvl 2) Final GFE is missing from the loan file.    
xx 20228573 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 20228573 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is missing from the loan file.    
xx 20228573 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 3) The loan type is conventional. Tape reflects MI coverage percentage as xx. However, the MI certificate is missing from the loan file.    
xx 20228573 xx 561 561-882 xx Non-QM QC Complete Arizona xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 99701171 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 99701171 xx 561 561-882 xx Non-QM QC Complete Florida xx NPL General Active B * Describe the BK payment plan (Lvl 2) xx    
xx 99701171 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 99701171 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan file.    
xx 99701171 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Collection comments are available from xx/xx/xxxx toxx/xx/xxxx which are incomplete as we require latest 24 months collection comments. Collection comments are missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 99701171 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Property Active B * Property Damage (Lvl 2) Comment dated xx/xx/xxxx states that, borrower called regarding disaster relief program. She said claimed for some damage, but her and her family are fine. She declined the disaster relief program. Comment dated xx/xx/xxxx shows that FC referral was placed on hold for hurricane xx disaster protraction efforts. No damages amounts or estimated repairs amount have been found. No further details have been found. No latest BPO report is available in the loan file.    
xx 99701171 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceRisk Indicator is Moderate due to
This loan failed the TILA APR test.
This loan failed the TILA right of rescission test.		    
xx 99701171 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final Application / 1003 is missing from the loan file. However, data is captured form initial application located at#xx.    
xx 99701171 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Good Faith Estimate missing or unexecuted (Lvl 2) Final good faith estimate is missing from the loan file.    
xx 99701171 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 99701171 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 99701171 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Initial Good Faith Estimate is Missing (Lvl 2) Initial good faith estimate is missing from the loan file.    
xx 99701171 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Title Issue Active B * Title issue (Lvl 3) ISAOA / It's successors and or assigns clause is missing in Short form title policy. It can be cure by adding addendum to short form title policy.    
xx 99701171 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of servicing providers disclosure is missing from the loan file.    
xx 99701171 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is missing from the loan file.    
xx 99701171 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) Right of rescission is missing from the loan file.    
xx 99701171 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Florida state. Following disclosures are missing from the loan file.
1.Anti-Coercion Notice
2.Title Insurance Disclosure
3.Radon Gas Disclosure
4.Insurance Sales Disclosure		    
xx 99701171 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA APR test. Final TIL is missing from the loan file. Loan data 0.000% Comparison data 5.700% Variance -5.700%.
This loan failed the TILA right of rescission test.		    
xx 74706976 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 74706976 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Below state disclosures are missing from the loan file.
Hazard Insurance Disclosure
Federal Consumer Credit Protection Act Disclosure
Insurance Freedom of Choice Disclosure		    
xx 74706976 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Doc Issue Active B * Good Faith Estimate missing or unexecuted (Lvl 2) Final Good Faith Estimate is missing from the loan file.    
xx 74706976 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider disclosure is missing from the loan file.    
xx 74706976 xx 561 561-882 xx Non-QM QC Complete Indiana xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 81540532 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 81540532 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase RESPA Test Failed (Lvl 1)      
xx 81540532 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report at the time of origination is missing from the loan file.    
xx 81540532 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Following state disclosures are missing from the loan file.
Amortization Schedule Disclosure
Credit Property Insurance Disclosure
Priority of Security Instrument Disclosure
Attorney Selection Disclosure		    
xx 81540532 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider disclosure is missing from the loan file.    
xx 81540532 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 81540532 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) The loan is a mortgage transaction subject to the Real Estate Settlement Procedures Act (12 U.S.C. §2601 et seq.) that is
secured by the consumer's dwelling; and
The initial TIL disclosure date is not later than the third business day (counting days on which the creditor's offices are
open to the public for carrying on substantially all of its business functions) after the creditor receives the consumer's
written application; and
The initial TIL disclosure date is not later than the seventh business day (counting all calendar days except Sunday and
specified legal public holidays) before consummation of the transaction.
Or, the application date of the loan is before July 30, 2009, and
The loan is a "residential mortgage transaction" subject to the Real Estate Settlement Procedures Act (12 U.S.C. §2601
et seq.); and
The initial TIL disclosure date is before consummation or three business days after the creditor receives the consumer's
written application, whichever is earlier.		    
xx 81540532 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The risk indicator is Moderate due to TIL Disclosure Date Test: FAIL.    
xx 81540532 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 50733013 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 50733013 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business form document is missing from the loan file.    
xx 50733013 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Credit Doc Issue Active B * Good Faith Estimate missing or unexecuted (Lvl 2) Final  GFE is missing from the loan file.    
xx 50733013 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Disclosure is missing from the loan file.    
xx 50733013 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Wisconsin  state, however, the following state disclosure is missing from the loan file.
1.Explanation of Personal Obligation
2.Marital Property Act Disclosure
3.Pre-Application Fee Disclosure
4.Choice of Insurance Disclosure
5.Escrow Disclosure
6.Co-Signer Notice
7.Tattle Tale Notice under the Marital Property Act.		    
xx 20453231 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 20453231 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Valuation Property Active B * Property Damage (Lvl 2) Comment dated xx/xx/xxxx states that there is some damages on outside of townhome, and the damage amount is not given. The nature of the damage is unavailable. No details were found regarding the insurance claim. Latest BPO report is also not present in the loan file.    
xx 20453231 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Compliance Ease Risk Indicator is moderate as the loan is failing for GSE (Freddie Mac public guidelines) Maximum LTV Test:
Compliance Ease Risk Indicator is moderate as the loan is failing for Prohibited Fees Test: Charged $1,649.48 Allowed $0.00 Over By +$1,649.48.		    
xx 20453231 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) Compliance Ease Risk Indicator is moderate as the loan is failing for Prohibited Fees Test: Charged $1,649.48 Allowed $0.00 Over By +$1,649.48.
This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test.
( N.J.S.A. §17:11C-74, N.J.A.C. § §3:1-16.2 )
The loan does charge fee(s) not provided for in this act, which is prohibited.		    
xx 20453231 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Good Faith Estimate missing or unexecuted (Lvl 2) Final GFE is missing from the loan file.    
xx 20453231 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Following required state disclosures are missing from the loan file.
NJ Application Disclosure
Delivery Fee Authorization
NJ Attorney Disclosure
Unacceptability of Insurance Notice
Attorney Disclosure II
Tax Bill Information
Private Well Testing
Lock-In Agreement
Commitment Disclosures
Choice of Insurer Disclosure
Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 20453231 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider disclosure is missing from the loan file.    
xx 20453231 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) LTV is xx  which is greater than xx hence MI certificate is required; however, it is missing from the loan file.    
xx 20453231 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 20453231 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) The chain of assignment is incomplete as there is a break in chain of assignment from xx to xx.    
xx 5528179 xx 561 561-882 xx Non-QM QC Complete Utah xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 5528179 xx 561 561-882 xx Non-QM QC Complete Utah xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 5528179 xx 561 561-882 xx Non-QM QC Complete Utah xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located at "Utah" state and this state requires following disclosures and all are missing from the loan file.

1) Fee Disclosure
2) Loan Application Notice
3) Servicer Disclosure
4) Disclosure of Debtor’s Waiver of Class Action		    
xx 69396789 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 69396789 xx 561 561-882 xx Non-QM QC Complete Florida xx NPL NPL Active B * POC Deadline is coming soon (Lvl 2) "The borrower xx” had filed the bankruptcy under chapter xx. The POC is not filed yet. The deadline for the POC filing was xx/xx/xxxx which passed away but the PACER shows the creditor not filed the same till xx.    
xx 69396789 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An Appraisal report is missing from the loan file.    
xx 69396789 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Good Faith Estimate missing or unexecuted (Lvl 2) Final GFE is missing from the loan file.    
xx 69396789 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service providers document is missing from the loan file.    
xx 69396789 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Florida , However, the following state disclosures are missing from the loan file.
1.Anti-Coercion Notice
2.Title Insurance Disclosure
3.Radon Gas Disclosure
4.Insurance Sales Disclosure		    
xx 69396789 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA finance charge test.
This loan failed the TILA APR test.		    
xx 69396789 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA Finance Charge Test: FAIL Loan Data:$99,771.43Comparison Data:$102,255.88 Variance:-$2,484.45
This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) )
The finance charge is $102,255.88. The disclosed finance charge of $99,771.43 is not considered accurate because it is
understated by more than $100.

TILA APR Test: FAIL Loan Data:3.875% Comparison Data:4.014% Variance -0.139%
This loan failed the TILA APR test.
The annual percentage rate (APR) is 4.014%. The disclosed APR of 3.875% is not considered accurate because it is more than
1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.		    
xx 40188449 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 40188449 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Form is missing from the loan file.    
xx 40188449 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 40188449 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Providers is missing from the loan file.    
xx 40188449 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Good Faith Estimate missing or unexecuted (Lvl 2) The Final Good Faith Estimate is missing from the loan file.    
xx 40188449 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 40188449 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located at New Jersey State. The following required state disclosures are missing from the loan files.
1. ·NJ Application Disclosure.
2. ·Delivery Fee Authorization.
·3.Unacceptability of Insurance Notice.
4. ·NJ Attorney Disclosure.
·5. Unacceptability of Insurance Notice.
6. ·Private Well Testing.
·7. Tax Bill Information.
8. ·Commitment Disclosures.
9. ·Choice of Insurer Disclosure.
10. ·Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application.		    
xx 86472786 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal report is missing from the loan file.    
xx 86472786 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase risk indicator is moderate as the loan is failing for PA License Validation Test.    
xx 86472786 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 86472786 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The affiliated business disclosure is missing from the loan file.    
xx 86472786 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * ComplianceEase Exceptions Test Failed (Lvl 2) This loan failed the Pennsylvania license validation test.
The Pennsylvania HB 2179 requires non-exempt mortgage lenders engaged in the business of making mortgage loans to be
licensed, effective November 5th, 2008.
The Pennsylvania Mortgage Lender License and Pennsylvania Exemption Letter (Mortgage Act) are not available for loans with a
closing date before November 5th, 2008.		    
xx 28612345 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase State Regulations Test Incomplete (Lvl 1)      
xx 28612345 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 28612345 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 2) xx    
xx 28612345 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 28612345 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal report is missing in the loan file.    
xx 28612345 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Good Faith Estimate missing or unexecuted (Lvl 2) Final good faith estimate is missing from the loan file.    
xx 28612345 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 28612345 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Acct Disclosure is missing from the loan file.    
xx 28612345 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Initial Good Faith Estimate is Missing (Lvl 2) Initial good faith estimate is missing from the loan file.    
xx 28612345 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 28612345 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is missing from the loan file.    
xx 28612345 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) Right of rescission is missing from the loan file.    
xx 28612345 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 28612345 xx 561 561-882 xx Non-QM QC Complete North Carolina xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The payment history is available from xx/xx/xxxx toxx/xx/xxxx. However, we require the latest 12 months of payment history. The payment history is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 28612345 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comment is available from xx/xx/xxxx toxx/xx/xxxx. However, we require the latest 24 months of comment history. The comment history is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 28612345 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in North Carolina State. The following required state disclosures are missing from the loan file.
1.Amortization Schedule Disclosure
2.Credit Property Insurance Disclosure
3.Fee Agreement
4.Priority of Security Instrument Disclosure
5.Attorney Selection Disclosure		    
xx 28612345 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) TILA APR Test: FAIL Loan data 0.000% Comparison data 3.638%  Variance -3.625%.    
xx 28612345 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA APR Test: FAIL Loan data 0.000% Comparison data 3.638%  Variance -3.625%.
This loan failed the TILA APR test.
The annual percentage rate (APR) is 3.625%. The disclosed APR of 0.000% is not considered accurate because it is more than
1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.		    
xx 7309582 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 7309582 xx 561 561-882 xx Non-QM QC Complete Indiana xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal at the origination is missing from the loan file.    
xx 7309582 xx 561 561-882 xx Non-QM QC Complete Indiana xx Valuation LTV Active B * LTV or CLTV exceeds 104% (Lvl 2) As per the original note the loan amount is xx and the appraisal value tape data reflectsxx and appraisal report is missing from the loan file. However LTV is greater than xx%.    
xx 7309582 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Doc Issue Active B * Initial Good Faith Estimate is Missing (Lvl 2) Initial GFE is missing from the loan file.    
xx 7309582 xx 561 561-882 xx Non-QM QC Complete Indiana xx Legal Docs Title Issue Active B * Title issue (Lvl 3) ISAOA / It's successors and or assigns clause is missing in final title policy. Terms and conditions sheet is neither available with final title policy for checking 12C clause.    
xx 7309582 xx 561 561-882 xx Non-QM QC Complete Indiana xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 7309582 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The compliance ease failed for TILA Finance Charge Test and TILA Foreclosure Rescission Finance Charge Test.    
xx 7309582 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) The LTV is greater than xx%. The MI certificate is missing from the loan file.    
xx 7309582 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The property is located in the Indiana (IN) state. The below disclosures are missing from the loan file.
1.Hazard Insurance Disclosure
2.Federal Consumer Credit Protection Act Disclosure
3.Insurance Freedom of Choice Disclosure		    
xx 7309582 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA Finance Charge Test: FAIL, loan data: $48,104.34, comparison data:  $48,247.97, variance:  -$143.63
TILA Foreclosure Rescission Finance Charge Test: FAIL, loan data:  $48,104.34, comparison data:  $48,247.97, variance:  -$143.63		    
xx 94189875 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 94189875 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Data Edit Data Edit Active B * Litigation (Lvl 2) According to comment xx/xx/xxxx, litigation issue was found. However, the reason for litigation is not provided in the collection comment. The comment dated xx/xx/xxxx states foreclosure referral hold has been released. The loan is currently in the active bankruptcy.    
xx 94189875 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An Appraisal Report is missing from the loan file.    
xx 94189875 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Good Faith Estimate missing or unexecuted (Lvl 2) Final GFE is missing from the loan file.    
xx 94189875 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan file.    
xx 94189875 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer is missing from the loan file.    
xx 94189875 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Required state disclosure missing from the loan file  in the below list.
1.Credit Property Insurance Disclosure
2.Fee Agreement
3.Priority of Security Instrument Disclosure		    
xx 94189875 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the late fees test.    
xx 94189875 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the late fees test.
The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located.
Loan Data :5.000% Comparison:  4.000% Data Variance: +1.000%.		    
xx 85567472 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 85567472 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 85567472 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Following are the state disclosure which are missing from the loan file;
1. Impound Account Disclosure
2. Private Mortgage Insurance Disclosure
3. Insurer RecommendationDisclosure
4. Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application
5. Fair Debt Collection Notice		    
xx 85567472 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 85567472 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider is missing from the loan file.    
xx 85567472 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from the loan file.    
xx 85567472 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 85567472 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Appraisal Active B * Variation in Parcel number(APN#) (Lvl 2) xx    
xx 82935598 xx 561 561-882 xx QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 82935598 xx 561 561-882 xx QM QC Complete North Carolina xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report at the time of origination of the loan is missing from the loan file.    
xx 82935598 xx 561 561-882 xx QM QC Complete North Carolina xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) CE risk indicator is "Moderate" as this loan failed the late fees test as The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located.

Late Fees Test: FAIL Loan Data 5.000%   Allowed: 4.000%    Over by:+1.000%		    
xx 82935598 xx 561 561-882 xx QM QC Complete North Carolina xx Credit Doc Issue Active B * Good Faith Estimate missing or unexecuted (Lvl 2) Final GFE is missing from the loan file.    
xx 82935598 xx 561 561-882 xx QM QC Complete North Carolina xx Compliance Compliance Active B * Homeownership Counselling Disclosure is missing. (Lvl 3) Homeownership Counseling Disclosure is missing from the loan file.    
xx 82935598 xx 561 561-882 xx QM QC Complete North Carolina xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 82935598 xx 561 561-882 xx QM QC Complete North Carolina xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the late fees test as The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located.

Late Fees Test: FAIL Loan Data 5.000%   Allowed: 4.000%    Over by:+1.000%		    
xx 11993310 xx 561 561-882 xx QM QC Complete Pennsylvania xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Compliance Ease risk indicator is moderate as loan is failing for PA License Validation Test:    
xx 11993310 xx 561 561-882 xx QM QC Complete Pennsylvania xx Compliance Compliance Active B * ComplianceEase Exceptions Test Failed (Lvl 2) This loan is failed for the Pennsylvania license validation test.
The Pennsylvania HB 2179 requires non-exempt mortgage lenders engaged in the business of making mortgage loans to be
licensed, effective November 5th, 2008.		    
xx 87143484 xx 561 561-882 xx QM QC Complete Illinois xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 87143484 xx 561 561-882 xx QM QC Complete Illinois xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer disclosure is missing from the loan file.    
xx 87143484 xx 561 561-882 xx QM QC Complete Illinois xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) The CE risk indicator is "Elevated" as this loan failed the qualified mortgage DTI threshold test.
This loan has a qualified mortgage DTI of 47.186% as the Borrower income was $xx and total front and back expenses are in the amount of $xx per LP (Locator#xx) and risk class for LP is mentioned as Accept/Eligible.		    
xx 63242699 xx 561 561-882 xx QM QC Complete Alabama xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 63242699 xx 561 561-882 xx QM QC Complete Alabama xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 3) MI Cert is missing from the loan file as LTV of the loan is exceeded xx    
xx 63242699 xx 561 561-882 xx QM QC Complete Alabama xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by the borrowers.    
xx 87370533 xx 561 561-882 xx QM-TRID QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 87370533 xx 561 561-882 xx QM-TRID QC Complete Georgia xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) Non-seasoned loan and affiliated business disclosure is missing from the loan file.    
xx 87370533 xx 561 561-882 xx QM-TRID QC Complete Georgia xx Compliance Compliance Active D * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Non-seasoned loan. CE risk indicator is "Moderate" as this loan failed the TILA finance charge test.    
xx 87370533 xx 561 561-882 xx QM-TRID QC Complete Georgia xx Compliance Compliance Active D * ComplianceEase TILA Test Failed (Lvl 3) This loan failed the TILA finance charge test since the finance charge is $71,100.24. The disclosed finance charge of $69,465.52 is not considered accurate because it is understated by more than $100.

TILA Finance Charge Test: FAIL   Charged: $69,465.52    Allowed: $71,100.24    Variance: -$1,634.72		    
xx 99912286 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 99912286 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 99912286 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business disclosure is missing from the loan file.    
xx 99912286 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase risk Indicator is moderate as loan is failing for TILA APR test.    
xx 99912286 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 99912286 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow account disclosure is missing from the loan file.    
xx 99912286 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider disclosures is missing from the loan file.    
xx 99912286 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 99912286 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing Transfer document is missing from the loan file.    
xx 99912286 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Florida State and the FL state requires total 3 disclosures, all are missing from the loan file.
1)Anti-Coercion Notice
2)Radon Gas Disclosure
3)Insurance Sales Disclosure		    
xx 99912286 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA APR test. ( 12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4) )
The annual percentage rate (APR) is 8.721%. The disclosed APR of 0.000% is not considered accurate because it is more than
1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.
TILA APR test is fail. Loan data is 0.000% and allowed is 8.721%. Hence, the variance is  -8.721%.		    
xx 99912286 xx 561 561-882 xx Non-QM QC Complete Florida xx NPL General Active B * Describe the BK payment plan (Lvl 2) xx    
xx 95199856 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 95199856 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 95199856 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase risk indicator is moderate as loan is failing for TILA finance charge test, TILA foreclosure rescission finance charge test and TILA APR test.    
xx 95199856 xx 561 561-882 xx Non-QM QC Complete New York xx NPL General Active B * Describe the BK payment plan (Lvl 2) xx    
xx 95199856 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider disclosures is missing from the loan file.    
xx 95199856 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in New York State and the NY state requires total 11 disclosures, all are missing from the loan file.
1) NY Consumer Credit Disclosure / Fair Credit Reporting Notice
2) NY Interest Rate Disclosure
3) NY Hazard Insurance disclosure
4) Tax Escrow Account Designation
5) Mortgage Bankers and Exempt Organizations Pre application
6) Part 80 disclosure
7) Co-Signer Notice Requirements
8) Default Warning Notice
9) Smoke Alarm Affidavit
10) New York Real Property Escrow Account Disclosure
11) Commitment Disclosure		    
xx 95199856 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA Finance Charge Test is fail. Loan data is $85,856.67 and allowed amount $87,156.93. Hence, the variance is -$1,300.26.

TILA Foreclosure Rescission Finance Charge Test is fail. Loan data is $85,856.67 and allowed amount is $87,156.93. Hence, the variance is -$1,300.26.

TILA APR Test is fail. Loan data is 10.400% and comparison data is 10.711%. Hence, the variance is -0.311%.		    
xx 26389317 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 26389317 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 26389317 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 26389317 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 is missing from the loan file. However, income and expenses are updated from 1008.    
xx 26389317 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrowers.    
xx 26389317 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of servicing providers document is missing from the loan file.    
xx 26389317 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Georgia state. Following state disclosure is missing from the loan file.
1.Disclosure of Additional Fees		    
xx 82008202 xx 561 561-882 xx Non-QM QC Complete Arkansas xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 82008202 xx 561 561-882 xx Non-QM QC Complete Arkansas xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 82008202 xx 561 561-882 xx Non-QM QC Complete Arkansas xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 82008202 xx 561 561-882 xx Non-QM QC Complete Arkansas xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal report is missing from the loan file.    
xx 82008202 xx 561 561-882 xx Non-QM QC Complete Arkansas xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD-1 is not signed by the borrower.    
xx 82008202 xx 561 561-882 xx Non-QM QC Complete Arkansas xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
xx 82008202 xx 561 561-882 xx Non-QM QC Complete Arkansas xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan file.    
xx 82008202 xx 561 561-882 xx Non-QM QC Complete Arkansas xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from the loan file.    
xx 82008202 xx 561 561-882 xx Non-QM QC Complete Arkansas xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is missing from the loan file.    
xx 82008202 xx 561 561-882 xx Non-QM QC Complete Arkansas xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 82008202 xx 561 561-882 xx Non-QM QC Complete Arkansas xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Arkansas. Choice of Insurance Disclosure is missing from the loan file..    
xx 82008202 xx 561 561-882 xx Non-QM QC Complete Arkansas xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 3) This is conventional loan. An appraisal report is missing from the loan file. As per value provided by the tape data, the LTV is calculated as xx% and also, tape data reflects MI coverage as xx%. However, MI certificate is missing from the loan file.    
xx 82008202 xx 561 561-882 xx Non-QM QC Complete Arkansas xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the interest rate test.    
xx 82008202 xx 561 561-882 xx Non-QM QC Complete Arkansas xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the interest rate test.
The loan has an interest rate that does not conform to the requirements for the lender's license type in the state where the property is located.
Interest Rate Test: FAIL loan data 7.750% Comparison data 6.500% Variance +1.250%		    
xx 96157032 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 96157032 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 96157032 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from loan file.    
xx 96157032 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Following Disclosure are missing from loan file.
Anti-Coercion Notice
Title Insurance Disclosure
Radon Gas Disclosure
Insurance Sales Disclosure		    
xx 96157032 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from loan file.    
xx 96157032 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Providers is missing from loan file.    
xx 96157032 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Valuation Active B *  Property value crammed down (Lvl 4) xx     
xx 96157032 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 96157032 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 96157032 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 96157032 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Legal Docs Active B * Updated title review shows IRS / vehicle / federal / personal tax liens (Lvl 2) Updated title report dated xx/xx/xxxx there is one IRS lien against the borrower xx.    
xx 1929127 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 1929127 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 1929127 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Property address changed since origination - address on updated title different from note (Lvl 2) xx    
xx 1929127 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application / 1003 is missing from the loan file.    
xx 1929127 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 1929127 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of servicing providers disclosure is missing from the loan file.    
xx 1929127 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is missing from the loan file.    
xx 1929127 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from the loan file.    
xx 1929127 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Data Edit Data Edit Active B * Deceased Borrower(s) (Lvl 3) According to the updated title report dated xx/xx/xxxx, the borrower,xx was deceased on xx. However, no details regarding the death certificate or probate has been found in the collection comments.

.		    
xx 1929127 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) The chain of assignment has not been completed. There is a break in assignment from xx.    
xx 1929127 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) TILA Finance Charge Test: FAIL Loan Data  xx Comparison Data xx  Variance -xx    
xx 1929127 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA Finance Charge Test: FAIL Loan Data:$107,280.68 Comparison Data:$107,875.61 Variance:-$594.93
This loan failed the TILA finance charge test.
The finance charge is $107,875.61. The disclosed finance charge of $107,280.68 is not considered accurate because it is
understated by more than $100.		    
xx 39362816 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 39362816 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 39362816 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan.    
xx 39362816 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 39362816 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 39362816 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 39362816 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Below mentioned required state disclosures are missing from the loan file:

1.  Anti-Coercion Notice
2.  Title Insurance Disclosure
3.  Radon Gas Disclosure
4.  Insurance Sales Disclosure		    
xx 39362816 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers document is missing from the loan file.    
xx 39362816 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of Servicing transfer document is missing from the loan file.    
xx 60912325 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 60912325 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 60912325 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 60912325 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final loan application /1003 is missing from the loan file.    
xx 60912325 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Following disclosures are missing from the loan file.
1. Anti-Coercion Notice
2. Radon Gas Disclosure
3. Insurance Sales Disclosure		    
xx 60912325 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Disclosure is missing from the loan file.    
xx 60912325 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service providers is missing from the loan file.    
xx 60912325 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan Program Disclosure is missing from the loan file.    
xx 60912325 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative Index value is unable to determine.    
xx 60912325 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 60912325 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) xx    
xx 60912325 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 60912325 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) TIL is not hand dated by the borrower.    
xx 52680689 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 52680689 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 52680689 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Note / Mod Active B * Lost Note Affidavit (Lvl 3) Lost note affidavit dated xx was found in the loan file located at (xx) as original note was misplaced, lost or destroyed. And duplicate copy note is available in the loan file.    
xx 52680689 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated Business Disclosure is missing from the loan file.    
xx 52680689 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The comments history is available from xx/xx/xxxx toxx/xx/xxxx, we require the latest 24 months comment history .The comments history missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 52680689 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Application Missing (Lvl 2) The Final Application/1003 is missing from the loan file.    
xx 52680689 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) The ROR is not hand dated by the borrower.    
xx 52680689 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The Servicing Transfer Disclosure is missing from the loan file.    
xx 52680689 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in the Florida state. The following state disclosures are missing from the loan file:

1.Anti-Coercion Notice
2.Title Insurance Disclosure
3.Radon Gas Disclosure
4.Insurance Sales Disclosure		    
xx 79362674 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 79362674 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 79362674 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 79362674 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 79362674 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is missing from the loan file.    
xx 79362674 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Doc Issue Active B * Prepayment Rider Missing (Lvl 2) Prepay rider is missing from the loan file.    
xx 79362674 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Doc Issue Active B * Mortgage Riders incomplete / inaccurate (Lvl 2) Prepayment Penalty rider is missing from the loan file.    
xx 79362674 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The affiliated business form disclosure is missing from the loan file.    
xx 79362674 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The following state disclosures are missing from the loan file:
1. Anti-Coercion Notice.
2. Insurance Sales Disclosure.		    
xx 79362674 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Other Disclosures Active B * Missing Required Disclosures (Lvl 2) The list of service providers disclosure is missing from the loan file.    
xx 79362674 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Property Active B * Subject property is located in a FEMA designated disaster area (recent). (Lvl 1) The subject property is located in a FEMA designated disaster area (recent-xx/xx/xxxx).
However, the collection comments received as of xx/xx/xxxx. The latest comments do not reflect damage or repair to the subject property.
No BPO/inspection report have been provided.		    
xx 82836904 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 82836904 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 82836904 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final Hud-1 is not executed by the borrower.    
xx 82836904 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Following states disclosures are missing from the loan file.
Impound Account Disclosure
Cosigner Notice
Private Mortgage Insurance Disclosure
Hazard Insurance Disclosure
Insurer RecommendationDisclosure
Anti-Tying Disclosure
Privacy Notice
Notice of Right to Copy of Appraisal
Application for Credit-Married Persons
Fair Debt Collection Notice
Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 82836904 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider disclosure is missing from the loan file.    
xx 82836904 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
xx 82836904 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is missing from the loan file.    
xx 82836904 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index numerical value is unavailable as the supportive documents such as Loan program disclosure/Rate lock agreement/Closing instruction are missing from the loan file.    
xx 82836904 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from the loan file.    
xx 94812319 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 94812319 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 94812319 xx 561 561-882 xx Non-QM QC Complete Ohio xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 94812319 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider document is missing from the loan file.    
xx 94812319 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Ohio. The following state disclosures are missing from the
1Equal Credit Availability Notice
2Insurance Tying Disclosure
3Non-Deposit Insurance Disclosure		    
xx 94812319 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA finance charge test.
The finance charge is xx. The disclosed finance charge of xx is not considered accurate because it is
understated by more than $100.		    
xx 94812319 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA Finance Charge Test: FAIL  Loan Data : $430,098.01  Comparison Data : $434,602.47 Variance :  -$4,504.46    
xx 31497274 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 31497274 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 31497274 xx 561 561-882 xx Non-QM QC Complete Washington xx Valuation Valuation Active B * Property Damge (Lvl 3) According to comment dated xx/xx/xxxx, the subject property was damaged due to fire. The date of loss was xx/xx/xxxx.
The comment dated xx/xx/xxxx states that the loss draft check in the amount of $10,201.67 has been received on xx/xx/xxxx from xx.
The claim check in the amount of $4,297.76 and $3,500.00 have been released to the contractor on xx/xx/xxxx.Final draw in the amount of $2,403.91 has been approved on xx/xx/xxxx but no evidences are available in the latest 24 months servicing comments regarding the exact cost of repairs and current status of repairs. No latest BPO report is available in the loan for confirmation of damage has been repaired.		    
xx 31497274 xx 561 561-882 xx Non-QM QC Complete Washington xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 31497274 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 31497274 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 31497274 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
xx 31497274 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index value is unable to determine as supportive document is missing from the loan file.    
xx 31497274 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The following state disclosures are missing from the loan file.
1.Construction Lien Disclosure
2.Mortgage Loan Servicing Disclosure
3.Choice of Insurance Notice
4.Purchase Money Residential Mortgage Loan Closing Valuation Disclosure
5.Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 31497274 xx 561 561-882 xx Non-QM QC Complete Washington xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 39619500 xx 561 561-882 xx Non-QM QC Complete Georgia xx Legal Docs Legal Docs Active B * Updated title review shows IRS / vehicle / federal / personal tax liens (Lvl 2) According to the updated title report dated xx/xx/xxxx, there is an IRS lien against the borrower xx.    
xx 39619500 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 39619500 xx 561 561-882 xx Non-QM QC Complete Georgia xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final Hud-1 is not signed by all the borrowers.    
xx 39619500 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 39619500 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers document is missing from the loan file.    
xx 39619500 xx 561 561-882 xx Non-QM QC Complete Georgia xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) Loan Modification agreement was made between borrower xx. The borrower promise to pay the unpaid principal balance of $xx. According to the loan modification agreement dated xx/xx/xxxx, the lender agrees to forgive $xx (which exceeds 2% of modification amount) permanently from the total principal balance of $xx.    
xx 39619500 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
xx 39619500 xx 561 561-882 xx Non-QM QC Complete Georgia xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 39619500 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in state of Georgia. The following state disclosures are missing from the loan file.
1.Waiver of Borrowers Rights and Closing Attorney Affidavit (not required by law but provided as a matter of custom)
2.Disclosure of Additional Fees.		    
xx 49298814 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 49298814 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 49298814 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 49298814 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Missing Title evidence (Lvl 4) Final title policy, title commitment and preliminary title policy for the subject mortgage (which can cover the subject mortgage) are missing from the loan file. However, there is a final title policy available in the loan file located at "xx" which is ensuring the piggy back mortgage in the amount of xx which was recorded on same day that of subject mortgage  dated xx. Same policy showing subject mortgage under schedule B un-insured section. However, there is no policy found for the subject mortgage.    
xx 49298814 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) list of service providers document is missing from the loan file.    
xx 49298814 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 49298814 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Mortgage Active B * Mortgage  (Lvl 2) Subject loan was originated under jumbo loan category.    
xx 49298814 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The property is located in California state. The following state disclosures are missing from the loan file.
Impound Account Disclosure
Cosigner Notice
Private Mortgage Insurance Disclosure
Earthquake Disclosure forCondominiums
Hazard Insurance Disclosure
Insurer RecommendationDisclosure
CA Fair Lending Notice
Anti-Tying Disclosure
Privacy Notice
Notice of Right to Copy of Appraisal
Application for Credit-Married Persons
Fair Debt Collection Notice
Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 70308929 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 70308929 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 70308929 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Rvw shows prop. owner of record is not borr. (Lvl 2) xx    
xx 70308929 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 70308929 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers are missing from the loan file.    
xx 70308929 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index numerical value is unavailable as the supportive documents such as Loan program disclosure/Rate lock agreement/Closing instruction are missing from the loan file.    
xx 70308929 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Mortgage Active B * Mortgage  (Lvl 2) Subject loan was originated under jumbo loan category.    
xx 70308929 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in California state. The state disclosures missing from the loan file are:
1. Impound Account Disclosure
2. Cosigner Notice
3. Private Mortgage Insurance Disclosure
4. Earthquake Disclosure forCondominiums
5. Hazard Insurance Disclosure
6. Insurer RecommendationDisclosure
7. CA Fair Lending Notice
8. Anti-Tying Disclosure
9. Privacy Notice
10. Notice of Right to Copy of Appraisal
11. Application for Credit-Married Persons
12. Fair Debt Collection Notice
13. Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 72525722 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 72525722 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 72525722 xx 561 561-882 xx Non-QM QC Complete Maryland xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 72525722 xx 561 561-882 xx Non-QM QC Complete Maryland xx Valuation Property Active B * Property Damage (Lvl 2) As per the servicing comments dated xx/xx/xxxx , there was storm on xx/xx/xxxx and  the subject property was damaged due to storm and borrower has requested for check. However , the amount of damage and exact nature of damage are unable to determine as per servicing comments.The further comments reflects that 90% of structural repairs has been completed.No further details has been found.Also, no bpo and inspection report are available.    
xx 72525722 xx 561 561-882 xx Non-QM QC Complete Maryland xx Data Edit Data Edit Active B * Litigation (Lvl 2) As per the servicing comments dated xx/xx/xxxx reflects the litigation has been filed and the foreclosure is on hold due to litigation. However , the latest servicing comments dated xx/xx/xxxx reflects that the litigation has been resolved .    
xx 72525722 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Providers Disclosures is missing from the loan file.    
xx 72525722 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
xx 72525722 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Prepayment Term Test: FAIL Loan Data 36 Months Comparison Data 0 Months  Variance 36 Months

The loan has a prepayment term that does not conform to the requirements for the lender's license type in the state where the
property is located.		    
xx 72525722 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by borrower.    
xx 72525722 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 72525722 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Maryland state. The following state disclosure is missing from the loan file.

1. Affidavit of Consideration
2. Affidavit of Disbursement
3. First Time Buyers Affidavit
4. Notice of Right to Select Attorney, Title Insurance Company and Settlement Agent Disclosure
5. Balloon Payment
6. No Escrow Account
7. Mandatory Binding Arbitration Disclosures
8. Home Buyer Education and Counseling Disclosure		    
xx 72525722 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the prepayment term test.    
xx 72525722 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to determine an operative index value since the supportive documents are missing from the loan file.    
xx 40547680 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 40547680 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 40547680 xx 561 561-882 xx Non-QM QC Complete Texas xx Valuation Property Active B * Property Damage (Lvl 2) According to the servicing comment dated xx/xx/xxxx, the subject property was damaged due to hail on xx/xx/xxxx. The estimated cost of damage is not available in the comments. However, the borrower received a check for hail damages in the amount of xx. The loss draft was received from xx. Agency with check#xx. The borrower states that they have paid the contractor in full and the check needs to be reissued. No details were found regarding the insurance claim. The latest BPO report is not available in the loan file to determine the current condition of the subject property. Details regarding repairs are unavailable.    
xx 40547680 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
xx 40547680 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) The Initial Escrow Account Disclosure is missing from the loan file.    
xx 40547680 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The List of Service Provider Disclosure is missing from the loan file.    
xx 40547680 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) xx     
xx 40547680 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The Servicing Transfer disclosure is missing from the loan file.    
xx 40547680 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.
The finance charge is $123,717.19. The disclosed finance charge of $123,600.84 is not considered accurate because it is understated by more than $100.
TILA Finance Charge Test: FAIL Loan Data is $123,600.84, Comparison Data is $123,717.19; hence, variance is -$116.35.

This loan failed the TILA APR test.
The annual percentage rate (APR) is 6.242%. The disclosed APR of 5.232% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.
TILA APR Test: FAIL Loan data is 5.232%; comparison data is 6.242%; hence, variance is -1.010%.		    
xx 40547680 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA finance charge test.
This loan failed the TILA APR test.		    
xx 78266191 xx 561 561-882 xx Non-QM QC Complete Missouri xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 78266191 xx 561 561-882 xx Non-QM QC Complete Missouri xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 78266191 xx 561 561-882 xx Non-QM QC Complete Missouri xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) According to the updated title report dated xx/xx/xxxx, there are three active Water/Sewer liens against the subject property in the favor of xx.
The judgment for second water/sewer lien was entered on xx.
The hearing for third water/sewer lien was scheduled on xx.
The subject property is located at Missouri; which is a super lien state.
There is a risk of property begin foreclosed due to above unpaid liens.
This can be cured by paying off the liens along with a late charge and accrued interest.		    
xx 78266191 xx 561 561-882 xx Non-QM QC Complete Missouri xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 78266191 xx 561 561-882 xx Non-QM QC Complete Missouri xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 78266191 xx 561 561-882 xx Non-QM QC Complete Missouri xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account  disclosure is missing from the loan file.    
xx 78266191 xx 561 561-882 xx Non-QM QC Complete Missouri xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing Transfer disclosure is missing from the loan file.    
xx 78266191 xx 561 561-882 xx Non-QM QC Complete Missouri xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated Business disclosure is missing from the loan file.    
xx 78266191 xx 561 561-882 xx Non-QM QC Complete Missouri xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider is missing from the loan file.    
xx 78266191 xx 561 561-882 xx Non-QM QC Complete Missouri xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) xx     
xx 78266191 xx 561 561-882 xx Non-QM QC Complete Missouri xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the first lien prohibited fees test.
The loan has fees that are prohibited for this license type.
No lender shall charge, require, or receive any points or other fees of any nature whatsoever, except insurance and a 1% origination fee, whether from the buyer or the seller or any other person, except that the lender may charge bona fide expenses paid by the lender to any other person or entity for services actually performed in connection with a loan. In addition, if the loan is for the construction or improvement of residential real estate, the lender may charge a fee not to exceed 1% of the loan amount for inspection and disbursement of the proceeds of the loan to third parties.This means that fees are prohibited unless specifically allowed (as described above). Some fees may be considered prohibited compensation to the lender unless the "Compensation To" fields indicate otherwise.
Prohibited Fees First Lien Test: FAIL Loan Data is $450.00%; Comparison Data is $0.00 %; hence, variance is +$450.00%.

This loan failed the broker fees test due to one or more of the following findings:
The loan has DIDMCA preemption selected, collects fees from the borrower that directly compensate the broker and the sum of all broker fees is greater than 1%; or The loan does not have DIDMCA preemption selected and collects broker fees in any amount from both the lender and the borrower; or The loan does not have DIDMCA preemption selected and the sum of all broker fees paid by the borrower exceeds 1%; or The loan does not have DIDMCA preemption selected or defaulted and the sum of all broker fees paid by the lender exceeds 1%. For this loan: The fees collected from the borrower that directly compensate the broker are $2,585.00; The fees collected from the lender that directly compensate the broker are $0.00; The total fees collected from both the borrower and the lender that directly compensate the broker are $2,585.00.
Broker Fees Test: FAIL Loan Data is $2,585.00; Comparison Data is $1,800.00; hence, variance is +$785.00.
 
This loan failed the origination fee and broker fee test.
The loan does not have DIDMCA preemption selected and the sum of the origination fee and all broker fees is greater than 1%.
Origination Fee & Broker Fee Test: FAIL Loan Data is $2,585.00; Comparison Data is $1,800.00%; hence, variance is +$785.00.
Broker Fees Test: FAIL Loan Data is $2,585.00; Comparison Data is $1,800.00; hence, variance is +$785.00.		    
xx 78266191 xx 561 561-882 xx Non-QM QC Complete Missouri xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA APR test.
The annual percentage rate (APR) is 6.426%. The disclosed APR of 0.000% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.
TILA APR Test: FAIL Loan Data is 0.000%; Comparison Data is 6.426%; hence, variance is -6.426%.		    
xx 78266191 xx 561 561-882 xx Non-QM QC Complete Missouri xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA APR test.
This loan failed the first lien prohibited fees test.
This loan failed the broker fees test.
This loan failed the origination fee and broker fee test.		    
xx 47659700 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 47659700 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 47659700 xx 561 561-882 xx Non-QM QC Complete Virginia xx Valuation Property Active B * Property Damage (Lvl 2) According to the comment dated xx/xx/xxxx, the home needed some repairs. The nature of damage and estimated cost of repairs has not been provided. The latest BPO report is not available; however, loan files and the servicing comments do not reflect any comment related to subject property being repaired.    
xx 47659700 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) list of service providers is missing from the loan files.    
xx 47659700 xx 561 561-882 xx Non-QM QC Complete Virginia xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 47659700 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated business disclosure is missing from the loan files.    
xx 47659700 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The notice of service transfer is missing from the loan files.    
xx 47659700 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) The operative index value is unable to determine from the available loan files.    
xx 47659700 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property has been located in VA. The following required disclosures are missing in the available loan files.

Financial Institution Choice of Insurance Disclosure
Choice of Settlement Agent Disclosure
Disclosure of Charges for Appraisal or Valuation
Copy of Appraisal or Statement of Appraised Value
Affiliated Business Disclosure		    
xx 75594102 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 75594102 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 75594102 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Mortgage Active B * Mortgage  (Lvl 2) Subject loan was originated under jumbo loan category.    
xx 75594102 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated Business Disclosure is missing from the loan file.    
xx 75594102 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 75594102 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) The Loan Program Disclosure is missing from the loan file.    
xx 75594102 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) The Operative Index Value is unable to determine from the loan file.    
xx 75594102 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * ROR Transaction date not consistent with Note and/or HUD (Lvl 2) The ROR transaction date(xx) is not consistent with Note date(xx) and HUD date(xx).    
xx 75594102 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The Servicing Transfer Disclosure is missing from the loan file.    
xx 75594102 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 75594102 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in the California state. The following state disclosures are missing from the loan file:

1.Impound Account Disclosure
2.Cosigner Notice
3.Private Mortgage Insurance Disclosure
4.Earthquake Disclosure forCondominiums
5.Hazard Insurance Disclosure
6.Insurer RecommendationDisclosure
7.CA Fair Lending Notice
8.Anti-Tying Disclosure
9.Privacy Notice
10.Notice of Right to Copy of Appraisal
11.Application for Credit-Married Persons
12.Fair Debt Collection Notice
13.Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 75594102 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Appraisal Active B * Variation in Parcel number(APN#) (Lvl 3) xx    
xx 6669006 xx 561 561-882 xx Non-QM QC Complete Mississippi xx NPL General Active B * Describe the BK payment plan (Lvl 3) xx    
xx 6669006 xx 561 561-882 xx Non-QM QC Complete Mississippi xx Valuation Appraisal Active B * Variation in Parcel number(APN#) (Lvl 3) xx    
xx 6669006 xx 561 561-882 xx Non-QM QC Complete Mississippi xx Credit DTI Active B * DTI > 60% (Lvl 2) As per final loan application the borrower total monthly income is $14,798.75 and total debts are in the amount of $14,136.51. Hence, the DTI is greater than 60%.    
xx 6669006 xx 561 561-882 xx Non-QM QC Complete Mississippi xx Credit Title Review Active B * Title Rvw shows prop. owner of record is not borr. (Lvl 2) xx    
xx 6669006 xx 561 561-882 xx Non-QM QC Complete Mississippi xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated Business Disclosure is missing from the loan file.    
xx 6669006 xx 561 561-882 xx Non-QM QC Complete Mississippi xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The List of Service Provider Disclosure is missing from the loan file.    
xx 80970639 xx 561 561-882 xx Non-QM QC Complete Utah xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 80970639 xx 561 561-882 xx Non-QM QC Complete Utah xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 80970639 xx 561 561-882 xx Non-QM QC Complete Utah xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Form is missing from the loan file.    
xx 80970639 xx 561 561-882 xx Non-QM QC Complete Utah xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final Application/1003 is missing from the loan file.    
xx 80970639 xx 561 561-882 xx Non-QM QC Complete Utah xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) HUD-1 is not signed by the borrowers. Also, there is another HUD-1 document located at (xx); however, it is executed but the settlement date is not given on the document.    
xx 80970639 xx 561 561-882 xx Non-QM QC Complete Utah xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow acct. disclosure is missing from the loan file.    
xx 80970639 xx 561 561-882 xx Non-QM QC Complete Utah xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Providers Disclosures is missing from the loan file.    
xx 80970639 xx 561 561-882 xx Non-QM QC Complete Utah xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 80970639 xx 561 561-882 xx Non-QM QC Complete Utah xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer disclosure is missing from the loan file.    
xx 80970639 xx 561 561-882 xx Non-QM QC Complete Utah xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 80970639 xx 561 561-882 xx Non-QM QC Complete Utah xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Utah state. The following state disclosures are missing from the loan file:
1. Fee Disclosure.
2. Loan Application Notice.
3. Servicer Disclosure.
4. Notice of Change of Terms For Open-End Consumer Credit Contract.
5. Disclosure of Debtor’s Waiver of Class Action.		    
xx 79427707 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 79427707 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 79427707 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Application Missing (Lvl 2) "Final loan application / 1003 is missing from the loan file."    
xx 79427707 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) According to updated title report dated xx/xx/xxxx, the chain of the assignment has not been completed. There is a break in assignment from xx.    
xx 79427707 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by the borrower.    
xx 74581070 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 74581070 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 74581070 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure document is missing from the loan file.    
xx 74581070 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated Business Disclosure is missing from the loan file.    
xx 74581070 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The List of Service Provider Disclosure is missing from the loan file.    
xx 74581070 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in the South Carolina state. The following state disclosures are missing from the loan file.
1. Agent Preference Disclosure
2. Casualty Insurance Disclosure		    
xx 33841343 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 33841343 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 33841343 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 33841343 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan file.    
xx 33841343 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan Program disclosure is missing from the loan file.    
xx 33841343 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer Document is missing from the loan file.    
xx 33841343 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Mortgage Active B * Mortgage  (Lvl 2) Subject loan was originated under jumbo loan category.    
xx 33841343 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The List of Service Providers are missing from the loan file.    
xx 33841343 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 33841343 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located at California State. The following required state disclosures are missing from the loan files.
1. ·Impound Account Disclosure.
2. ·Cosigner Notice.
3. ·Private Mortgage Insurance Disclosure.
4. ·Earthquake Disclosure for condominiums.
5. ·Hazard Insurance Disclosure.
·6. Insurer RecommendationDisclosure.
7. ·CA Fair Lending Notice.
·8. Anti-Tying Disclosure.
9. ·Privacy Notice.
10. ·Notice of Right to Copy of Appraisal.
·11. Application for Credit-Married Persons.
12. ·Fair Debt Collection Notice.
13. ·Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application.		    
xx 33841343 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * ROR Transaction date not consistent with Note and/or HUD (Lvl 2) The subject property is located in California state. As per the ROR document, the ROR Transaction date is xx which is not consistent with Note and/ or Hud- settlement date xx    
xx 33841343 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to determine an operative  index value from the available loan files.    
xx 22325818 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 22325818 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 22325818 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 22325818 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 22325818 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of servicing providers disclosure is missing from the loan file.    
xx 22325818 xx 561 561-882 xx Non-QM QC Complete Ohio xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 22325818 xx 561 561-882 xx Non-QM QC Complete Ohio xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The borrower has been making the payments as per the loan modification which was made on xx. According to the modified terms, the new principal balance is in the amount of $xx. The amount $xx of the new principal balance shall be deferred. In addition, there is a deferred principal reduction amount of $xx (Deferred Principal Reduction Amount) which shall be forgiven by the lender on each of the first, second and third anniversaries of xx and the interest bearing will be $xx.
The tape data of payment history does not reflects deferred balance.		    
xx 22325818 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The property is located in state of Ohio. The following required State Disclosures are missing from the loan file.
1. Equal Credit Availability Notice
2. Insurance Tying Disclosure
3. Non-Deposit Insurance Disclosure		    
xx 72849388 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 72849388 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 72849388 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business form is missing from the loan file.    
xx 72849388 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final loan application /1003 is missing from the loan file.    
xx 72849388 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers and initial escrow disclosure is missing from the loan file.    
xx 72849388 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
xx 72849388 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index value is unable to determine from the available loan file.    
xx 72849388 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer document is missing from the loan file.    
xx 72849388 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The loan modification agreement was made between xx. The Loan Modification Agreement consists of principle forgiven. As per MOD, the new modified principle balance is in the amount of xx is deferred. In addition to this, there is a provision that $xx of the deferred principle balance is eligible for forgiveness, which exceeds 2% of the modified principal balance. It’s been provided that the borrower will not be in default on his new payments for three full monthly consecutive payments. Then the lender shall reduce on each of the first, second & third anniversaries of xx/xx/xxxx the deferred principle balance in installments equal to the one-third of the deferred principle reduction amount. As per the latest available payment history and collection comments, the borrower is delinquent from xx. The tape data still reflects deferred balance in the amount of $xx. We are unable to determine whether the lender forgive the principle or not.    
xx 62210872 xx 561 561-882 xx Non-QM QC Complete Nevada xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 62210872 xx 561 561-882 xx Non-QM QC Complete Nevada xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 62210872 xx 561 561-882 xx Non-QM QC Complete Nevada xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) 1. There are 22 water and sewer liens are available in the updated title report against the subject property, among them first 16 are in the favor of “xx.

2. There are 3 active junior Notice of liens for Water/Sewer and which are in the favor of xx.
3. There is an active Notice of lien which is in favor of xx.

4. There are 2 active liens for Water and Sewer Services are available against the subject property in the cumulative amount of $716.76 and both the liens were recorded in the year xx in favor of multiple creditors.

The subject property is located in the state of Nevada which is a super lien state where there is a risk of the property being foreclosed because of the above unpaid these water/sewer liens.		    
xx 62210872 xx 561 561-882 xx Non-QM QC Complete Nevada xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Form is missing from the loan file.    
xx 62210872 xx 561 561-882 xx Non-QM QC Complete Nevada xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan file.    
xx 62210872 xx 561 561-882 xx Non-QM QC Complete Nevada xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Providers Disclosures is missing from the loan file.    
xx 62210872 xx 561 561-882 xx Non-QM QC Complete Nevada xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index numerical value is unavailable as the supportive documents such as Loan program disclosure/Rate lock agreement/Closing instruction are missing from the loan file.    
xx 62210872 xx 561 561-882 xx Non-QM QC Complete Nevada xx Legal Docs Doc Issue Active B * Prepayment Rider Missing (Lvl 2) Prepayment rider is not attached with the recorded copy of Deed of Trust.    
xx 62210872 xx 561 561-882 xx Non-QM QC Complete Nevada xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 62210872 xx 561 561-882 xx Non-QM QC Complete Nevada xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 62210872 xx 561 561-882 xx Non-QM QC Complete Nevada xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer Disclosure Document is missing from the loan file.    
xx 62210872 xx 561 561-882 xx Non-QM QC Complete Nevada xx Legal Docs Mortgage Active B * Mortgage  (Lvl 2) Subject loan was originated under jumbo loan category.    
xx 62210872 xx 561 561-882 xx Non-QM QC Complete Nevada xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 62210872 xx 561 561-882 xx Non-QM QC Complete Nevada xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 62210872 xx 561 561-882 xx Non-QM QC Complete Nevada xx NPL General Active B * Describe the BK payment plan (Lvl 2) xx    
xx 62210872 xx 561 561-882 xx Non-QM QC Complete Nevada xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) The subject loan is a ARM but the Loan program disclosure is missing from the loan file.    
xx 62210872 xx 561 561-882 xx Non-QM QC Complete Nevada xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 62210872 xx 561 561-882 xx Non-QM QC Complete Nevada xx Legal Docs Title Issue Active B * Title holder is not an individual (Lvl 3) xx     
xx 62210872 xx 561 561-882 xx Non-QM QC Complete Nevada xx Legal Docs Legal Docs Active B * Updated title review shows IRS / vehicle / federal / personal tax liens (Lvl 2) There are 4 active junior Federal Tax Liens are available in the updated title report against xx.    
xx 63431559 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 63431559 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 63431559 xx 561 561-882 xx Non-QM QC Complete California xx Valuation LTV Active B * LTV or CLTV exceeds 104% (Lvl 2) As per final TPOL, there is a junior mortgage in the amount of xx in the favor of xx. So, the CLTV exceeds xx%.    
xx 63431559 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) As per the loan modification agreement made on xx. However, there is a principal reduction alternative. The amount of $xx of the principal balance is eligible for forgiveness. (The deferred principal reduction Amount).  If the borrower makes monthly mortgage payments on time, the lender agrees to forgive $xx of the principal balance of the loan on each of the first, second and Third anniversary. Latest payment history tape data is reflecting deferred balance as $xx and current UPB as $xx. Hence, it seems lender has forgiven $xx for the regular payment of 1st and 2nd anniversary.    
xx 63431559 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 63431559 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 63431559 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 63431559 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 63431559 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in CA State. The following state disclosures are missing from the loan files.

1.Impound Account Disclosure
2.Cosigner Notice
3.Private Mortgage Insurance Disclosure
4.Hazard Insurance Disclosure
5.Insurer Recommendation Disclosure
6.Anti-Tying Disclosure
7.Privacy Notice
8.Notice of Right to Copy of Appraisal
9.Application for Credit-Married Persons
10.Fair Debt Collection Notice
11.Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 63431559 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to determine an operative index value because supportive documents are missing from the loan file.    
xx 6726317 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 6726317 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 6726317 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * ROR Transaction date not consistent with Note and/or HUD (Lvl 2) According to ROR, the transaction date is xx which is not consistent with HUD-1 and Note. As per Note, note date is xx and Final HUD-1 shows settlement date is xx.    
xx 6726317 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 6726317 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 6726317 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) The Loan program disclosure document is missing in the given loan file.    
xx 6726317 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The Subject property is located in California state. The below Required State disclosures are missing in the given loan file.
1.Impound Account Disclosure
2.Cosigner Notice
3.Private Mortgage Insurance Disclosure
4.Earthquake Disclosure forCondominiums
5.Hazard Insurance Disclosure
6.Insurer RecommendationDisclosure
7.CA Fair Lending Notice
8.Anti-Tying Disclosure
9.Privacy Notice
10.Notice of Right to Copy of Appraisal
11.Application for Credit-Married Persons
12.Fair Debt Collection Notice
13.Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 6726317 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to determine an operative  index value. Since, the supportive documents missing from the loan file.    
xx 99750247 xx 561 561-882 xx Non-QM QC Complete Ohio xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal at origination is missing from the loan file.    
xx 99750247 xx 561 561-882 xx Non-QM QC Complete Ohio xx Valuation Valuation Active B *  Property value crammed down (Lvl 4) xx     
xx 99750247 xx 561 561-882 xx Non-QM QC Complete Ohio xx Data Edit Data Edit Active B * Litigation (Lvl 3) Evidence of Litigation has been found on loan. Servicing comment dated xx/xx/xxxx states that "the loan is part of litigation." It further states that an answer has been filed by xx that he has an interest in each property for taxes due and unpaid. Council is asking if we have info on the outstanding taxes. Latest comment on litigation dated xx/xx/xxxx states loan is still in active litigation. No further confirmation has been found whether the litigation has been resolved or not.    
xx 99750247 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 99750247 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
xx 99750247 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in OH. The following disclosures are missing from the loan file.
1. Equal Credit Availability Notice
2. Insurance Tying Disclosure
3. Non-Deposit Insurance Disclosure		    
xx 99750247 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to confirm the operative index value.    
xx 99750247 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 4) xx    
xx 99750247 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 28499720 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 28499720 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 28499720 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal report is missing from the loan file. However, the values are updated by appraisal report dated on xx which is before the 13 months of the note date located at “xx”.    
xx 28499720 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Valuation Property Active B * Property Damage (Lvl 2) According to comment dated xx/xx/xxxx, the subject property has wind damages. According to a document located at (xx) the subject property has wind damages. The date of loss is xx/xx/xxxx. The total replacement cost estimated value is $5726.87. According to comment dated xx/xx/xxxx, received the loss draft check on xx. According to comment dated  xx/xx/xxxx, they are in process of cutting his final draw with 100% complete with repairs. No further details are available. The latest BPO reports are not available.    
xx 28499720 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) According to the Updated title report dated xx/xx/xxxx , the chain of assignment has been not completed. Currently, the assignment from xx. The correct assignment should be with xx.    
xx 28499720 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Legal Docs Doc Issue Active B * Title policy missing (Lvl 3) Final Title Policy is missing from the loan file. However, values are updated as per Commitment located at “xx”.    
xx 28499720 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 28499720 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR was not hand dated by the borrower.    
xx 28499720 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider document is missing from the loan file.    
xx 28499720 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Legal Docs Doc Issue Active B * Amount of title insurance is less than mortgage amount (Lvl 3) The mortgage was originated on xx which is less than the mortgage amount.    
xx 28499720 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in North Carolina State. The following required state disclosures are missing from the loan file.
1.Amortization Schedule Disclosure
2.Credit Property Insurance Disclosure
3.Fee Agreement
4.Priority of Security Instrument Disclosure
5.Attorney Selection Disclosure		    
xx 28499720 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the points and fees test.
 Points and Fees Test: loan data : $3,142.00, Comparison data : $2,392.12, Variance +$749.88.
Late Fees Test: loan data : 5.000%, Comparison data 4.000%, Variance+1.000%.		    
xx 28499720 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.
This loan failed the points and fees test.
The points and fees charged to the borrower exceed 5% of the mortgage amount, or $1,000 for mortgage amounts of $20,000 or
less.
Note, no more than two "Bona Fide - GSE" discount points are excluded from the calculation of the points and fees for purposes
of this test.		    
xx 43194320 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 43194320 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 43194320 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated business disclosure is missing from the loan file.    
xx 43194320 xx 561 561-882 xx Non-QM QC Complete New York xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) The chain of assignment is incomplete as there is a break in chain of assignment from xx to xx.    
xx 43194320 xx 561 561-882 xx Non-QM QC Complete New York xx Data Edit Data Edit Active B * Litigation (Lvl 3) The comment dated xx/xx/xxxx states that the litigation was filed on xx/xx/xxxx and the foreclosure was put on hold. However, no details were found regarding the litigation. Further information is not available to confirm whether the litigation hold was removed.    
xx 43194320 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Other Disclosures Active B * Missing Required Disclosures (Lvl 2) The list of service providers disclosure is missing from the loan file.    
xx 43194320 xx 561 561-882 xx Non-QM QC Complete New York xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 43194320 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in the state of New York. The following state disclosures are missing from the loan file.
NY Consumer Credit Disclosure / Fair Credit Reporting Notice, Mortgage Bankers and Exempt Organizations Preapplication, Part 80 Disclosure, Alternative Mortgage Transaction Disclosures, Co-Signer Notice Requirements, Default Warning Notice, Smoke Alarm Affidavit, New York Real Property Escrow Account Disclosure, Subprime Home Loan Counseling Disclosure.Commitment Disclosure.		    
xx 43194320 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the late fees test.
The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located.
This loan failed the prepayment term test.
The loan has a prepayment term that does not conform to the requirements for the lender's license type in the state where the property is located.		    
xx 43194320 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the late fees test.
This loan failed the prepayment term test.		    
xx 87362917 xx 561 561-882 xx Non-QM QC Complete New Mexico xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 87362917 xx 561 561-882 xx Non-QM QC Complete New Mexico xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 87362917 xx 561 561-882 xx Non-QM QC Complete New Mexico xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 87362917 xx 561 561-882 xx Non-QM QC Complete New Mexico xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final Application is missing from the loan file.    
xx 87362917 xx 561 561-882 xx Non-QM QC Complete New Mexico xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
xx 87362917 xx 561 561-882 xx Non-QM QC Complete New Mexico xx Legal Docs Doc Issue Active B * Title policy missing (Lvl 3) Final title policy at the time of origination is missing from the loan file but the Title Commitment is available in the loan file.    
xx 87362917 xx 561 561-882 xx Non-QM QC Complete New Mexico xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan file.    
xx 87362917 xx 561 561-882 xx Non-QM QC Complete New Mexico xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of Service Transfer Disclosure is missing from the loan file.    
xx 70448108 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 70448108 xx 561 561-882 xx Non-QM QC Complete Indiana xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) Chain of Assignment is incomplete. However, the assignment from xx.    
xx 70448108 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of servicing providers disclosure is missing from the loan file.    
xx 70448108 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) N License Validation Test: FAIL
This loan failed the Indiana license validation test.
Indiana House Enrolled Act 1359 requires the Indiana Department of Financial Institutions to begin regulation of both first and
subordinate lien mortgage lending under the First Lien Mortgage Lending License and Subordinate Lien Mortgage Lending
License. As a result, lenders will no longer be allowed to make loans under the Indiana Unregulated (1st Lien), Unregulated
UCCC, Consumer Loan License, Consumer Loan License UCCC, or the Exemption Letter UCCC.
The Indiana First Lien Mortgage Lending License and Indiana Subordinate Lien Lending License are not available for loans with
a closing date before the Act's effective date of January 1, 2009.		    
xx 70448108 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business arrangement disclosure is missing from the loan file.    
xx 70448108 xx 561 561-882 xx Non-QM QC Complete Indiana xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 70448108 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in the state of Indiana. The following state disclosures are missing from the loan file.

1. Hazard Insurance Disclosure
2. Federal Consumer Credit Protection Act Disclosure
3. Insurance Freedom of Choice Disclosure		    
xx 70448108 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 70448108 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active B * ComplianceEase Exceptions Test Failed (Lvl 2) This loan failed the Indiana license validation test.    
xx 68637919 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 68637919 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 68637919 xx 561 561-882 xx Non-QM QC Complete Georgia xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal report is missing from the loan file. However, the values are updated from Desktop Valuation Limited Appraisal Report located at "xx".    
xx 68637919 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 68637919 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 68637919 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comments are available from xx/xx/xxxx to xx/xx/xxxx. However, we require latest 24 months collection comment. The servicing comment is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 68637919 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Georgia State. The following disclosures are missing from the loan file:
Waiver of Borrowers Rightsand Closing Attorney Affidavit (not required by law but provided as a matter of custom)
Disclosure of Additional Fees.		    
xx 68637919 xx 561 561-882 xx Non-QM QC Complete Georgia xx Legal Docs Doc Issue Active B * Mortgage Riders incomplete / inaccurate (Lvl 2) Waiver of borrower's rights is missing from the loan file.    
xx 36898080 xx 561 561-882 xx Non-QM QC Complete Maine xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 36898080 xx 561 561-882 xx Non-QM QC Complete Maine xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan file.    
xx 36898080 xx 561 561-882 xx Non-QM QC Complete Maine xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application is missing from the loan file.    
xx 36898080 xx 561 561-882 xx Non-QM QC Complete Maine xx Credit Doc Issue Active B * Good Faith Estimate missing or unexecuted (Lvl 2) Final GFE is missing from the loan file.    
xx 36898080 xx 561 561-882 xx Non-QM QC Complete Maine xx Credit Doc Issue Active B * Not all borrowers signed TIL (Lvl 2) Final TIL is not executed by borrower.    
xx 36898080 xx 561 561-882 xx Non-QM QC Complete Maine xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow acct disclosure is missing from the loan file.    
xx 36898080 xx 561 561-882 xx Non-QM QC Complete Maine xx Credit Doc Issue Active B * Initial Good Faith Estimate is Missing (Lvl 2) Initial GFE is missing from the loan file.    
xx 36898080 xx 561 561-882 xx Non-QM QC Complete Maine xx Legal Docs Title Issue Active B * Title issue (Lvl 3) It's successors and or assigns clause is missing in final title policy. Terms and conditions sheet is neither available with final title policy for checking 12C clause.    
xx 36898080 xx 561 561-882 xx Non-QM QC Complete Maine xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is missing from the loan file.    
xx 36898080 xx 561 561-882 xx Non-QM QC Complete Maine xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 36898080 xx 561 561-882 xx Non-QM QC Complete Maine xx Credit Doc Issue Active B * Final TIL Date after actual transaction date (Lvl 2) The final TIL date is xx However, original Note date is xx    
xx 36898080 xx 561 561-882 xx Non-QM QC Complete Maine xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) The final TIL is not hand dated by borrower.    
xx 36898080 xx 561 561-882 xx Non-QM QC Complete Maine xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The following state disclosures are missing from the loan file.  Notice to Cosigner, Title Attorney Disclosure, Choice of Insurance Notice and Withholding Tax Disclosure.    
xx 36898080 xx 561 561-882 xx Non-QM QC Complete Maine xx Credit Other Disclosures Active B * Missing Required Disclosures (Lvl 2) The list of service providers disclosure is missing from the loan file.    
xx 36898080 xx 561 561-882 xx Non-QM QC Complete Maine xx Data Edit Data Edit Active B * Deceased Borrower(s) (Lvl 3) According to the updated title report dated xx/xx/xxxx, the borrower,xx was deceased on xx. However, no details regarding the death certificate or probate has been found in the collection comments.

.		    
xx 36898080 xx 561 561-882 xx Non-QM QC Complete Maine xx Credit Title Review Active B * Title Rvw shows prop. owner of record is not borr. (Lvl 2) xx    
xx 36898080 xx 561 561-882 xx Non-QM QC Complete Maine xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA finance charge test. This loan failed the TILA foreclosure rescission finance charge test. This loan failed the TILA right of rescission test. This loan failed the initial TIL disclosure date test    
xx 36898080 xx 561 561-882 xx Non-QM QC Complete Maine xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test. TILA Finance Charge Test: FAIL $154,240.41 $155,193.27 -$952.86 The finance charge is $155,193.27. The disclosed finance charge of $154,240.41 is not considered accurate because it is understated by more than $100. This loan failed the TILA foreclosure rescission finance charge test. TILA Foreclosure Rescission Finance Charge Test: FAIL $154,240.41 $155,193.27 -$952.86 The finance charge is $155,193.27. The disclosed finance charge of $154,240.41 is not considered accurate for purposes of rescission because it is understated by more than $35. This loan failed the TILA right of rescission test. TILA Right of Rescission Test: FAIL The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. This loan failed the initial TIL disclosure date test Initial TIL Disclosure Date Test: FAIL    
xx 63097906 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 63097906 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 63097906 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 63097906 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Providers is missing from the loan file.    
xx 63097906 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) The final TIL is not hand dated by the borrower.    
xx 8138806 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 8138806 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 8138806 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business disclosure is missing from the loan file.    
xx 8138806 xx 561 561-882 xx Non-QM QC Complete New York xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 8138806 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Credit Active B * HUD-1 Closing Statement missing or unsigned (Lvl 3) The final HUD-1 is available in the loan file; however, some points and fees are handwritten. We considered the available HUD-1 to test the compliance.    
xx 51201438 xx 561 561-882 xx Non-QM QC Complete California xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) 16 months of Servicing Comments are missing from the file.  The servicing comments provided from the current servicer are dated from xx/xx/xxxx untilxx/xx/xxxx.    
xx 51201438 xx 561 561-882 xx Non-QM QC Complete California xx NPL NPL Active B * Payment History is not Complete (Lvl 3) Missing 5 months Payment History from prior servicer to complete a full 12 month review.  The payment history provided from the current servicer is dated from xx/xx/xxxx untilxx/xx/xxxx.    
xx 51201438 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 51201438 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Required Affiliated Business Disclosure is missing from the file.    
xx 51201438 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 33067051 xx 561 561-882 xx Non-QM QC Complete Utah xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 33067051 xx 561 561-882 xx Non-QM QC Complete Utah xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 33067051 xx 561 561-882 xx Non-QM QC Complete Utah xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 33067051 xx 561 561-882 xx Non-QM QC Complete Utah xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final loan application is missing from the loan file. However, the values are updated from initial application dated xx".    
xx 33067051 xx 561 561-882 xx Non-QM QC Complete Utah xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan file.    
xx 33067051 xx 561 561-882 xx Non-QM QC Complete Utah xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 33067051 xx 561 561-882 xx Non-QM QC Complete Utah xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is missing from the loan file.    
xx 33067051 xx 561 561-882 xx Non-QM QC Complete Utah xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The payment history is available from xx/xx/xxxx to xx/xx/xxxx and for single month of xx/xx/xxxx. However, we require latest 12 months payment history. The payment history is missing from xx/xx/xxxx to xx/xx/xxxx and from xx/xx/xxxx to xx/xx/xxxx.    
xx 33067051 xx 561 561-882 xx Non-QM QC Complete Utah xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comments are available from xx/xx/xxxx to xx/xx/xxxx. However, we require latest 24 months collection comments. The servicing comments are missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 33067051 xx 561 561-882 xx Non-QM QC Complete Utah xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 33067051 xx 561 561-882 xx Non-QM QC Complete Utah xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Utah State. The following disclosures are missing from the loan file:
Fee Disclosure
Loan Application Notice
Servicer Disclosure
Notice of Change of Terms For Open-End Consumer Credit Contract
Disclosure of Debtor’s Waiver of Class Action.		    
xx 63473334 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 63473334 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 63473334 xx 561 561-882 xx Non-QM QC Complete California xx NPL NPL Active B * NPL - Current balance lower than the tape balance by more than 25% (Lvl 2) According to the latest payment history as of xx/xx/xxxx, The UPB reflected in the latest payment history is in the amount of xx. The modification agreement reflects the deferred balance in the amount of $xx. However, the  tape data reflects UPB in the amount of $xx including the deferred principal balance. Hence, the current balance is lower than the tape balance by more than 25%.    
xx 63473334 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) According to the updated title report dated xx/xx/xxxx, there is one notice of claim for delinquent assessments (HOA lien) against the subject property in the favor of "xx.
The subject property is located in CA state. There is risk of subject property being foreclosed due to this unpaid lien.
This can be cured by paying off above unpaid liens with accrued interest and late charges.		    
xx 63473334 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 63473334 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan file.    
xx 63473334 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 63473334 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is missing from the loan file.    
xx 63473334 xx 561 561-882 xx Non-QM QC Complete California xx Valuation LTV Active B * LTV or CLTV exceeds 104% (Lvl 2) The subject mortgage was originated with the loan amount of xx. According to the appraisal report, the appraised value is xx and sale price is xx. There is one junior mortgage in the amount of xx Hence, CLTV is calculated as xx% which exceeds xx%.    
xx 63473334 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 63473334 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in California State. The following disclosures are missing from the loan file:
Impound Account Disclosure
Cosigner Notice
Private Mortgage Insurance Disclosure
Earthquake Disclosure forCondominiums
Hazard Insurance Disclosure
Insurer RecommendationDisclosure
CA Fair Lending Notice
Anti-Tying Disclosure
Privacy Notice
Notice of Right to Copy of Appraisal
Application for Credit-Married Persons
Fair Debt Collection Notice
Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application.		    
xx 63473334 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 63473334 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) This is a conventional loan. LTV at the origination was xx%. Final 1003 and HUD-1 reflect monthly MI in the amount of xx; however, MI certificate is missing in the loan file.    
xx 52222461 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 52222461 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 52222461 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Brokerage/Finder Fee Test: FAIL Loan Data $4,010.00 Comparison Data $3,208.00 Variance +$802.00

 The mortgage loan charges a brokerage/finder fee that exceeds 2% of the total loan amount. Under the Tennessee Rules and
Regulations, brokerage fee is synonymous with finder fee.
Any brokerage/finder fee of more than 2% of the principal amount of the loan will be presumed to be unfair and unreasonable and
Shall be grounds to revoke the license or registration of such licensee or registrant, unless such licensee or registrant can provide
Evidence showing that such fee constitutes fair and reasonable compensation.		    
xx 52222461 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 is missing in the loan file.    
xx 52222461 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 52222461 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The comment history is available from xx/xx/xxxx toxx/xx/xxxx. As we require latest 24 months servicing comments.The comment is missing from thexx/xx/xxxx toxx/xx/xxxx.    
xx 52222461 xx 561 561-882 xx Non-QM QC Complete Tennessee xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The payment history is available from xx/xx/xxxx toxx/xx/xxxx.As we require latest 12 months servicing comments.The comment history is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 52222461 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the brokerage/finder fee test.    
xx 25884893 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 25884893 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 25884893 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal report is missing from the loan file.    
xx 25884893 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Data Edit Data Edit Active B * Deceased Borrower(s) (Lvl 3) According to the updated title report dated xx/xx/xxxx, the borrower,xx was deceased on xx. However, no details regarding the death certificate or probate has been found in the collection comments.

.		    
xx 25884893 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 25884893 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The following are required state Disclosures missing from loan file;
 Placement of Insurance Disclosure, Availability of Title Insurance, TN Consent to Disclosure of Insurance Information, Choice of Agent/insurer, Insurance Solicitation/Post Commitment		    
xx 25884893 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) TIL is not hand dated by the borrower.    
xx 51007961 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 51007961 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report at the time of loan origination is missing from loan file.    
xx 51007961 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Credit DTI Active B * DTI > 60% (Lvl 2) As per final application dated xx/xx/xxxx, the borrower monthly income is $4,500.00 and monthly expenses are given in the amount of $2,704.69. Hence the DTI ratio became 60.104%, which is greater than 60%.    
xx 51007961 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Credit Doc Issue Active B * Good Faith Estimate missing or unexecuted (Lvl 2) Final GFE is missing from loan file.    
xx 51007961 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from loan file.    
xx 51007961 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) The ROR is not hand dated by borrower.    
xx 51007961 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in CT state however, required 'Legal Representation Disclosure' missing from loan file.    
xx 15662917 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 15662917 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 15662917 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Following are the required state disclosures missing from the loan file;
Lead-Based Paint Disclosure
Carbon Monoxide Alarms
MA Smoke Detector Certificate
Demonstration and Documentation of Compliance with Borrower’s Interest Requirement		    
xx 15662917 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 15662917 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 92906402 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 92906402 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 92906402 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 92906402 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Compliance Ease risk indicator is moderate as loan is failing for TILA APR test.    
xx 92906402 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 92906402 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow account disclosure is missing from the loan file.    
xx 92906402 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 92906402 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA APR Test is fail. Loan data is 0.000% and allowed data is 6.414%. Hence, the variance is -6.414%.    
xx 82633379 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 82633379 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 82633379 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 82633379 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 82633379 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Credit Active B * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 is missing from the loan file, however the fees are considered from itemization for compliance purpose.    
xx 82633379 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
xx 82633379 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The List of Service Providers is missing from the loan file.    
xx 82633379 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * Operative Index Numerical Value Unavailable based on lender docs (Lvl 2) The operative index is unavailable in the documents provided.    
xx 82633379 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Property address changed since origination - address on updated title different from note (Lvl 2) xx    
xx 82633379 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) The ROR is missing from the loan file.    
xx 82633379 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The Servicing Transfer Disclosure is missing from the loan file.    
xx 82633379 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) xx    
xx 82633379 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Active State Tax Lien Judgement. (Lvl 2) There is a active state tax lien against Patricia Thomas in the amount of xx    
xx 20328231 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 20328231 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 20328231 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Form Disclosure is missing from the loan file.    
xx 20328231 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Acct Disclosure is missing from the loan file.    
xx 20328231 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider is missing from the loan file.    
xx 20328231 xx 561 561-882 xx Non-QM QC Complete Minnesota xx NPL NPL Active B * Payment History is not Complete (Lvl 3) Payment history is available from xx/xx/xxxx to xx/xx/xxxx. however we required latest 12 months payment history. Payment history is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 10922633 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 10922633 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 10922633 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) CE risk indicator is moderate due to,
1.This loan failed the TILA APR test.
2.This loan failed the TILA finance charge test.		    
xx 10922633 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) CE TILA test failed due to,
1.This loan failed the TILA APR test.
The annual percentage rate (APR) is 6.402%. The disclosed APR of 6.125% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.
2.This loan failed the TILA finance charge test.
The finance charge is $132,028.14. The disclosed finance charge of $128,713.74 is not considered accurate because it is understated by more than $100.		    
xx 10922633 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow account disclosure is missing from the loan file.    
xx 10922633 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider is missing from loan file.    
xx 10922633 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated Business Disclosure is missing from the loan file.    
xx 10922633 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in MN State; however, required state disclosure is missing from loan file.
1. Interest Rate or Discount Point Agreement
2. Insurance Disclosure		    
xx 98369556 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 98369556 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 98369556 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business disclosure is missing from the loan file.    
xx 98369556 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Comment history is available in the file from xx/xx/xxxx toxx/xx/xxxx, however, we require latest 24 months comment history; Comment history is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 98369556 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase Risk Indicator is Moderate due to TILA Finance Charge Test, TILA Foreclosure Rescission Finance Charge Test: and TILA APR Test are failed.    
xx 98369556 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) ComplianceEase TILA Test Failed due to TILA Finance Charge Test, TILA Foreclosure Rescission Finance Charge Test: and TILA APR Test.
1. TILA Finance Charge Test shows  Loan data $107,202.68 comparison data $119,099.72 variance -$11,897.04.
2. TILA Foreclosure Rescission Finance Charge Test: shows  Loan data $107,202.68 comparison data $119,099.72 variance -$11,897.04.
3. TILA APR Test: shows loan data 7.775%  comparison data 8.291% variance -0.516%.		    
xx 98369556 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Following are the state disclosure which are missing from the loan file.
1. NY Consumer Credit Disclosure / Fair Credit Reporting Notice
2. NY Interest Rate Disclosure
3. Tax Escrow Account Designation
4. Mortgage Bankers and Exempt Organizations Preapplication
5. Default Warning Notice
6. Expiration of Lock-in or Commitment Period
7. Lock-in Disclosure		    
xx 98369556 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) initial Escrow Account disclosure is missing from the loan file.    
xx 98369556 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider is missing from the loan file.    
xx 98369556 xx 561 561-882 xx Non-QM QC Complete New York xx NPL NPL Active B * Payment History is not Complete (Lvl 3) Payment history is available in the file from xx/xx/xxxx toxx/xx/xxxx, however, we require latest 12 months payment history; Payment history is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 5732038 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 5732038 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 5732038 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit DTI Active B * DTI > 60% (Lvl 2) According to the final application the total income of borrower is xx and the total debts are 5,965.76. Hence, the DTI is exceeds more than xx.    
xx 5732038 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL not hand dated by the borrower.    
xx 5732038 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 5732038 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR not hand dated by borrower.    
xx 5732038 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The ComplianceEase risk indicator is "Moderate due to :-
TILA finance charge test.
TILA foreclosure rescission finance charge test.		    
xx 5732038 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) The ComplianceEase TILA test failed for:-
TILA finance charge test.
The Loan data is $448,448.51 Comparison data is $448,689.51 and the variance is -$241.00.

TILA foreclosure rescission finance charge test.
The Loan data is $448,448.51 Comparison data is $448,689.51 and the variance is -$241.00		    
xx 5732038 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service providers is missing from the loan file.    
xx 5732038 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
xx 5732038 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Maryland State. The following required state disclosures are missing from the loan file.
1.Affidavit of Consideration
2.Affidavit of Disbursement
3.First Time Buyers Affidavit
4.Notice of Right to Select Attorney, Title Insurance Company and Settlement Agent Disclosure
5.Balloon Payment
6.No Escrow Account
7.Mandatory Binding Arbitration Disclosures
8.Home Buyer Education and Counseling Disclosure		    
xx 74855366 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 74855366 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 74855366 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 74855366 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) CE risk indicator is moderate due to,
1. TILA finance charge test failed: Loan Data: $240,400.61, Comparison Data: $240,504.70, Variance: -$104.09.
2. TILA Foreclosure Rescission Finance Charge Test: Loan Data: $240,400.61, Comparison Data: $240,504.70, Variance: -$104.09.		    
xx 74855366 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) CE TILA test failed due to,
1. This loan failed the TILA finance charge test:
The finance charge is $240,504.70. The disclosed finance charge of $240,400.61 is not considered accurate because it is understated by more than $100.
2. This loan failed the TILA foreclosure rescission finance charge test.
The finance charge is $240,504.70. The disclosed finance charge of $240,400.61 is not considered accurate for purposes of rescission because it is understated by more than $35.		    
xx 74855366 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow account disclosure is missing from loan file.    
xx 74855366 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider is missing from loan file.    
xx 74855366 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx NPL NPL Active B * Payment History is not Complete (Lvl 3) Prior payment history is available in the file from xx/xx/xxxx to xx/xx/xxxx. However, we require latest 12 months payment history; the latest payment history is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 74855366 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in MA state, however required Carbon Monoxide Alarms state disclosure missing from loan file.    
xx 78860961 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 78860961 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 78860961 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final Application is missing from the loan file.    
xx 78860961 xx 561 561-882 xx Non-QM QC Complete New York xx Valuation LTV Active B * LTV or CLTV exceeds 104% (Lvl 2) LTV/CLTV exceeds xx0% as the appraisal value is xx and the loan amount is xx.    
xx 78860961 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of service transfer disclosure is missing from the loan file.    
xx 78860961 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated Business Disclosure is missing from the loan file.    
xx 78860961 xx 561 561-882 xx Non-QM QC Complete New York xx Data Edit Data Edit Active B * Deceased Borrower(s) (Lvl 3) According to the updated title report dated xx/xx/xxxx, the borrower,xx was deceased on xx. However, no details regarding the death certificate or probate has been found in the collection comments.

.		    
xx 78860961 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider disclosure is missing from the loan file.    
xx 78860961 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The property is located in NY state and the required disclosures are missing from the loan file as follow.
NY Consumer Credit Disclosure / Fair Credit Reporting Notice
NY Interest Rate Disclosure
NY Hazard Insurance  Disclosure
Tax Escrow Account Designation
Mortgage Bankers and Exempt Organizations Preapplication
Co-Signer Notice Requirements
New York Real Property Escrow Account Disclosure
Commitment Disclosure
Lock-in Disclosure
Expiration of Lock-in or Commitment Period		    
xx 6554300 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 6554300 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 6554300 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) According to the updated title report dated xx/xx/xxxx, there are two senior mortgages against the subject property. First mortgage was originated on xx and second mortgage was originated on xx. No release or satisfaction document was found in the loan document stating the prior mortgages have been released.
Final HUD-1 shows payoff to xx.
However, Final Title Policy at the origination does not reflect any exception for senior mortgages. It shows a clear title. Possible title claim can be filed.		    
xx 6554300 xx 561 561-882 xx Non-QM QC Complete California xx Credit Credit Active B * HUD-1 Closing Statement missing or unsigned (Lvl 3) Available copy of final HUD-1 located at "xx" is illegible. However, same copy is considered for compliance ease test.    
xx 6554300 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 6554300 xx 561 561-882 xx Non-QM QC Complete California xx NPL NPL Active B * Payment History is not Complete (Lvl 3) Payment history is available from xx/xx/xxxx to xx/xx/xxxx and from xx/xx/xxxx to xx/xx/xxxx. However, we require latest 12 months payment history. The payment history is missing from xx/xx/xxxx to xx/xx/xxxx and from xx/xx/xxxx to xx/xx/xxxx.    
xx 6554300 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) xx    
xx 6554300 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 6554300 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * ROR Transaction date not consistent with Note and/or HUD (Lvl 2) The subject mortgage was originated on xx. However, as per ROR, the transaction date is xx.    
xx 6554300 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in California State. The following disclosures are missing from the loan file:
Impound Account Disclosure
Cosigner Notice
Private Mortgage Insurance Disclosure
Earthquake Disclosure forCondominiums
Hazard Insurance Disclosure
Insurer RecommendationDisclosure
CA Fair Lending Notice
Anti-Tying Disclosure
Privacy Notice
Notice of Right to Copy of Appraisal
Application for Credit-Married Persons
Fair Debt Collection Notice
Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application.		    
xx 9749385 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 9749385 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 9749385 xx 561 561-882 xx Non-QM QC Complete New York xx Data Edit Data Edit Active B * Litigation (Lvl 3) According to servicing comment dated xx/xx/xxxx, litigation action filed. However, there is no matter found that matter is resolved or not.    
xx 9749385 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business form disclosure is missing from the loan file.    
xx 9749385 xx 561 561-882 xx Non-QM QC Complete New York xx Data Edit Data Edit Active B * Foreclosure Delay or Contested (Lvl 2) As per servicing comment dated xx/xx/xxxx, foreclosure is contested by borrower. However, latest servicing comment dated xx/xx/xxxx, shows contested matter is resolved.    
xx 9749385 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Application Not Signed by All Borrowers (Lvl 2) Final application available in the loan file. however, it not signed by borrower.    
xx 9749385 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application available in the loan file. however, it not signed by borrower.    
xx 9749385 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Credit Active B * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 is available in the loan file. however, Some point fees value is hand written.    
xx 9749385 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 9749385 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA finance charge test.    
xx 9749385 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.
Loan data is $355,729.80 which is comparison with $357164.70 and variance is $1434.90
The finance charge is $357,164.70. The disclosed finance charge of $355,729.80 is not considered accurate because it is understated by more than $100.00		    
xx 30373560 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 30373560 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 30373560 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) xx     
xx 30373560 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) initial Escrow Account disclosure is missing from the loan file.    
xx 30373560 xx 561 561-882 xx Non-QM QC Complete Illinois xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 5222838 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 5222838 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 5222838 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 5222838 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business form disclosure is missing from the loan file.    
xx 5222838 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report is missing from the file    
xx 5222838 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase Risk Indicator is Moderate due to
This loan failed the TILA finance charge test.
This loan failed the TILA foreclosure rescission finance charge test.
This loan failed the TILA APR test.		    
xx 5222838 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Following state disclosure are missing from the loan file.
Credit Property Insurance Disclosure
Priority of Security Instrument Disclosure
Attorney Selection Disclosure		    
xx 5222838 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Acct disclosure is missing from the loan file.    
xx 5222838 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Servicer providers disclosure is missing from the loan file.    
xx 5222838 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test. Loan data is $35,478.69, comparison data is $36,488.16 and variance is -$1,009.47.
This loan failed the TILA foreclosure rescission finance charge test. Loan data is $35,478.69, comparison data is $36,488.16 and variance is -$1,009.47.
This loan failed the TILA APR test. Loan data is 6.876%, comparison data is 7.155% and variance is -0.279%.		    
xx 71142298 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 71142298 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 71142298 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Credit Active B * HUD-1 Closing Statement missing or unsigned (Lvl 2) According to final Hud-1, points and fees are written.    
xx 71142298 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Title Review Active B * Title Review shows major title concern (Lvl 2) According to the updated title dated xx/xx/xxxx, the subject property is a xx, As per the vesting information the vesting deed dated xx., the vesting information does not show the borrower's name listed on it. The mortgage type is xx. The last assignment was recorded with mortgage type as xx. However, the final title policy is missing from the loan file.    
xx 71142298 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business form is missing from the loan file.    
xx 71142298 xx 561 561-882 xx Non-QM QC Complete New York xx Legal Docs Doc Issue Active B * Missing Title evidence (Lvl 4) Final title policy is missing from the loan file along with title commitment and preliminary title report.    
xx 71142298 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers document is missing from the loan file.    
xx 71142298 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 71142298 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Service transfer document is missing from the loan file.    
xx 71142298 xx 561 561-882 xx Non-QM QC Complete New York xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The payment history is available from xx/xx/xxxx till xx/xx/xxxx. We require latest 12 months payment history. However, payment history is missing from xx/xx/xxxx till xx/xx/xxxx.    
xx 71142298 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in state of New York.  The following state disclosures are missing from the loan file.
Expiration of Lock-in or Commitment Period
Commitment Disclosure
Sub-prime Home Loan Disclosure
Sub-prime Home Loan Tax and Insurance Payment Disclosure
Sub-prime Home Loan Counseling Disclosure
Default Warning Notice
Alternative Mortgage Transaction Disclosures
Part 80 Disclosure
Mortgage Bankers and Exempt Organizations Pre-application
Tax Escrow Account Designation
NY Consumer Credit Disclosure / Fair Credit Reporting Notice		    
xx 51328085 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 51328085 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 51328085 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * ROR Transaction date not consistent with Note and/or HUD (Lvl 2) The Note date is xx however the borrower has signed the Application, ROR on xx.    
xx 51328085 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 91129774 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 91129774 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 91129774 xx 561 561-882 xx Non-QM QC Complete Arizona xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 91129774 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by borrower.    
xx 91129774 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The affiliated business form disclosure is missing from the loan file.    
xx 91129774 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Other Disclosures Active B * Missing Required Disclosures (Lvl 2) The list of service providers disclosure is missing from the loan file.    
xx 91129774 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) The operative index value unable to determine from the loan file.    
xx 91129774 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) The ROR is not hand dated by borrowers.    
xx 20247568 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 20247568 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 20247568 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL was not hand dated by the borrower.    
xx 20247568 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 20247568 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 20247568 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Credit Active B * HUD-1 Closing Statement missing or unsigned (Lvl 3) The available copy of Final HUD-1 located at (xx) has some points and fees hand-written. However, the same copy of HUD-1 is considered to check the compliance result.    
xx 20247568 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider document is missing from the loan file.    
xx 20247568 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The notice of servicing transfer disclosure is missing from the loan file.    
xx 20247568 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
xx 20247568 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in New York State. The following state disclosures are missing from the loan file.

1.NY Consumer Credit Disclosure / Fair Credit Reporting Notice
2.NY Interest Rate Disclosure
3.NY Hazard Insurance  Disclosure
4.Tax Escrow Account Designation
5.Mortgage Bankers and Exempt Organizations Preapplication
6.Part 80 Disclosure
7.Alternative Mortgage Transaction Disclosures
8.Co-Signer Notice Requirements
9.Default Warning Notice
10.Smoke Alarm Affidavit
11.New York Real Property Escrow Account Disclosure
12.Subprime Home Loan Counseling Disclosure
13.Subprime Home Loan Tax and Insurance Payment Disclosure
14.Subprime Home Loan Disclosure
15.Commitment Disclosure
16.Lock-in Disclosure
17.Expiration of Lock-in or Commitment Period		    
xx 57336287 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 57336287 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 57336287 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Comment history is available in the file from xx/xx/xxxx toxx/xx/xxxx, however, we require latest 24 months comment history; Comment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 57336287 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase Risk indicator is moderate due to TILA Finance Charge Test and TILA Foreclosure Rescission Finance Charge Test.    
xx 57336287 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) ComplianceEase TILA Test failed due to TILA Finance Charge Test: fail which shows Loan Data $337,528.70, Comparison Data $377474.96 and Variance -$39,946.26
TILA Foreclosure Rescission Finance Charge Test: FAIL which shows Loan Data $337,528.70, Comparison Data $377474.96 and Variance -$39,946.26		    
xx 57336287 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Following are the state disclosure which are missing from the loan file.    
xx 57336287 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider is missing from the loan file.    
xx 57336287 xx 561 561-882 xx Non-QM QC Complete Illinois xx NPL NPL Active B * Payment History is not Complete (Lvl 3) Payment history is available in the file from xx/xx/xxxx toxx/xx/xxxx, and from xx/xx/xxxx toxx/xx/xxxx however, we require latest 12 months payment history; Payment history is missing from xx/xx/xxxx toxx/xx/xxxx and from xx/xx/xxxx toxx/xx/xxxx.    
xx 89573953 xx 561 561-882 xx Non-QM QC Complete Washington xx Valuation Appraisal Active B * Property is vacant (Lvl 3) According to the servicing comment dated xx/xx/xxxx, the subject property is vacant and in secured condition with no visible damages or repairs.    
xx 89573953 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business form disclosure is missing from the loan file.    
xx 89573953 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 89573953 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers document is missing from the loan file.    
xx 89573953 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in state of Washington. The following state disclosures are missing from the loan file.   
Mortgage Loan Servicing Disclosure
Choice of Insurance Notice
Purchase Money Residential Mortgage Loan Closing Valuation Disclosure
Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 81104056 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 81104056 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Form is missing from the loan file.    
xx 81104056 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 81104056 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit DTI Active B * DTI > 60% (Lvl 2) As per the final application, the total income of the borrower is $10,673.00 and total monthly expenses is $7,510.22. Hence, DTI ratio is greater than the 60.00% of the total income.    
xx 81104056 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service  provider is missing from the loan file.    
xx 81104056 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing Transfer Document is missing from the loan file.    
xx 81104056 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Good Faith Estimate missing or unexecuted (Lvl 2) The Final GFE is missing from the loan file.    
xx 81104056 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 81104056 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in NJ state. The following required state disclosure are missing from the loan file.
1. NJ Attorney Disclosure.
2. Unacceptability of Insurance Notice.
3. Attorney Disclosure II.
4. Tax Bill Information.
5. Private Well Testing.
6. Choice of Insurer Disclosure.
7. Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application.		    
xx 70114312 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure not found by reviewer in Box Documents    
xx 70114312 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 70114312 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) xx    
xx 70114312 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) LOAN PROGRAM DISCLOSURE not found by reviewer in BOX documents    
xx 70114312 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Good Faith Estimate missing or unexecuted (Lvl 2) The final GFE is missing from the loan file.l    
xx 70114312 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) The loan is conventional. As per the final application, the mortgage insurance amount is xx. Also, the LTV and CLTV exceed xx. However, the MI certificate is missing from the loan file.    
xx 70114312 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA right of rescission test.
The funding date is before the third business day following consummation.
The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the
notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last.
This loan failed the Pennsylvania license validation test.
The Pennsylvania HB 2179 requires non-exempt mortgage lenders engaged in the business of making mortgage loans to be
licensed, effective November 5th, 2008.
The Pennsylvania Mortgage Lender License and Pennsylvania Exemption Letter (Mortgage Act) are not available for loans with a
closing date before November 5th, 2008.		    
xx 70114312 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * ComplianceEase Exceptions Test Failed (Lvl 2) This loan failed the TILA right of rescission test.
The funding date is before the third business day following consummation.
The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the
notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last.
This loan failed the Pennsylvania license validation test.
The Pennsylvania HB 2179 requires non-exempt mortgage lenders engaged in the business of making mortgage loans to be
licensed, effective November 5th, 2008.
The Pennsylvania Mortgage Lender License and Pennsylvania Exemption Letter (Mortgage Act) are not available for loans with a
closing date before November 5th, 2008.		    
xx 70114312 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA Right of Rescission Test.
PA License Validation Test.		    
xx 45886456 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 45886456 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 45886456 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 45886456 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) xx    
xx 45886456 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx NPL General Active B * Recent Foreclosure Sale - Need Update (Lvl 4) xx    
xx 45886456 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The CE result is Moderate because this loan has failed TILA Finance Charge Test    
xx 45886456 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Legal Docs Doc Issue Active B * Title policy missing (Lvl 3) The final title policy at the time of origination is missing from the loan file, however the title commitment is available in the file.    
xx 45886456 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 45886456 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA Finance Charge Test: FAIL  Loan Data $145,562.10   Comparison Data $145,712.60  Variance -$150.50    
xx 42373519 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 42373519 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 42373519 xx 561 561-882 xx Non-QM QC Complete Arizona xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 42373519 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Credit Active B * HUD-1 Closing Statement missing or unsigned (Lvl 3) According to final Hud-1, some points and fees are hand written.    
xx 7891804 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 7891804 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 7891804 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 7891804 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Property Active B * Property Damage (Lvl 2) Available collection comments shows that potential property damage has been reported. However, not amount of damages or repairs had been mentioned in the comments. Also, there is no comment stating that the damages had been repaired or not.    
xx 7891804 xx 561 561-882 xx Non-QM QC Complete California xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Comment history is available in the file from xx/xx/xxxx toxx/xx/xxxx, however, we require latest 24 months comment history; Comment history is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 7891804 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Missing Title evidence (Lvl 4) Final title policy at the time of origination is missing from the loan file. Also Title Commitment/Preliminary Policy are not available in the file.    
xx 7891804 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Following are the state disclosure which are missing from the loan file;
1.Impound Account Disclosure
2.Private Mortgage Insurance Disclosure
4.Insurer RecommendationDisclosure
5.Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application
6.Hazard Insurance Disclosure		    
xx 7891804 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider is missing from the loan file.    
xx 7891804 xx 561 561-882 xx Non-QM QC Complete California xx NPL NPL Active B * Payment History is not Complete (Lvl 3) Payment history is available in the file from xx/xx/xxxx toxx/xx/xxxx, however, we require latest 12 months payment history; Payment history is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 41565978 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 41565978 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 41565978 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Final TIL Date after actual transaction date (Lvl 2) Note date is xx however Final TIL is from xx    
xx 41565978 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated business disclosure is missing from the loan file.    
xx 41565978 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) The Initial escrow acct disclosure is missing from the loan file.    
xx 41565978 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider's disclosure is missing from the loan file.    
xx 41565978 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * ROR Transaction date not consistent with Note and/or HUD (Lvl 2) The ROR transaction date is xx which is different from the Note date of xx    
xx 41565978 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in California state. The following state disclosures are missing from the loan file.
1.Impound Account Disclosure
2.Cosigner Notice
3.Private Mortgage Insurance Disclosure
4.Earthquake Disclosure for condominiums
5.Hazard Insurance Disclosure
6.Insurer RecommendationDisclosure
7.CA Fair Lending Notice
8.Anti-Tying Disclosure
9.Privacy Notice
10.Notice of Right to Copy of Appraisal
11.Application for Credit-Married Persons
12.Fair Debt Collection Notice
13.Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 1912148 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 1912148 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 1912148 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal at the origination is missing from the loan file.    
xx 1912148 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider is missing from the loan file.    
xx 1912148 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) Prohibited Fees Test, result- FAIL, loan data: $343.00, comparison data: $0.00, variance: +$343.00    
xx 1912148 xx 561 561-882 xx Non-QM QC Complete New Jersey xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The available payment history is from xx/xx/xxxx toxx/xx/xxxx, as we required latest 12 months payment history. The payment history is missing formxx/xx/xxxx to xx/xx/xxxx.    
xx 1912148 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The CE failed for Prohibited Fees Test.    
xx 1912148 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) xx    
xx 1912148 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in New Jersey State. The state disclosures missing from the loan file are: NJ Application Disclosure, Delivery Fee Authorization, NJ Attorney Disclosure, Unacceptability of Insurance Notice, Attorney Disclosure II, Tax Bill Information, Private Well Testing, Lock-In Agreement, Commitment Disclosures, Choice of Insurer Disclosure and Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application    
xx 1912148 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 58990611 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 58990611 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 58990611 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) The amortization type of the loan is ARM; However, the loan program disclosure is missing from the loan file.    
xx 58990611 xx 561 561-882 xx Non-QM QC Complete Florida xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The payment history is available from xx/xx/xxxx toxx/xx/xxxx; However, we require latest 12 months of complete payment history. Hence, the payment history is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 58990611 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 60114689 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 60114689 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 60114689 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) xx    
xx 60114689 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The property is located in the State of Maryland.  The following required state disclosures are missing from the file:  Affidavit of Consideration, Affidavit of Disbursement, Notice of Right to Select Attorney, Title Insurance Company and Settlement Agent Disclosure, Mandatory Binding Arbitration Disclosures, Home Buyer Education and Counseling Disclosure.    
xx 98333564 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 98333564 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 98333564 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 98333564 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 98333564 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal Report is missing from the loan file.    
xx 98333564 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) CE Risk Indicator is "Moderate" as this loan failed TILA Right of Rescission Test and prohibited fees test.
Prohibited Fees Test: FAIL loan data:$185.00 comparison data:$0.00 variance:+$185.00		    
xx 98333564 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final Application is missing from the loan file.    
xx 98333564 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD-1 is not signed by the all borrowers.    
xx 98333564 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 98333564 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan file.    
xx 98333564 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Legal Docs Title Issue Active B * Title issue (Lvl 3) ISAOA Clause is missing from the short form title policy.    
xx 98333564 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of service transfer disclosure is missing from the loan file.    
xx 98333564 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated Business Disclosure is missing from the loan file.    
xx 98333564 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 98333564 xx 561 561-882 xx Non-QM QC Complete New Jersey xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The payment history is available from xx/xx/xxxx toxx/xx/xxxx and xx/xx/xxxx toxx/xx/xxxx; however we required latest 12 months complete payment history. The payment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 98333564 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test. ( N.J.S.A. §17:11C-74, N.J.A.C. § §3:1-16.2 )
The loan does charge fee(s) not provided for in this act, which is prohibited.
A person licensed as a mortgage broker shall have the right to charge only the following fees: (1) application fee; and (2) discount points which may be labeled as an origination fee.
Prohibited Fees Test: FAIL loan data:$185.00 comparison data:$0.00 variance:+$185.00		    
xx 98333564 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA right of rescission test.
Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )
The funding date is before the third business day following consummation.
The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last.		    
xx 72719002 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase risk indicator is moderate as the loan is failing for TILA Finance Charge Test and Exception test.    
xx 72719002 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx NPL NPL Active B * Payment History is not Complete (Lvl 3) Payment history is available from xx/xx/xxxx till xx/xx/xxxx and from xx/xx/xxxx till xx/xx/xxxx; however, as we require latest 12 months payment history. Payment history is missing from xx/xx/xxxx till xx/xx/xxxx and from xx/xx/xxxx till xx/xx/xxxx.    
xx 72719002 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 72719002 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * ComplianceEase Exceptions Test Failed (Lvl 2) This loan failed the Pennsylvania license validation test;
The Pennsylvania HB 2179 requires non-exempt mortgage lenders engaged in the business of making mortgage loans to be
licensed, effective November 5th, 2008.
The Pennsylvania Mortgage Lender License and Pennsylvania Exemption Letter (Mortgage Act) are not available for loans with a
closing date before November 5th, 2008.		    
xx 72719002 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test as;
TILA Finance Charge Test: FAIL $68,183.55 $69,419.02 -$1,235.47.
The finance charge is $69,419.02. The disclosed finance charge of $68,183.55 is not considered accurate because it is
understated by more than $100.		    
xx 5403687 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 5403687 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 5403687 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 5403687 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) xx    
xx 5403687 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 5403687 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow account disclosure is missing from the loan file.    
xx 5403687 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 5403687 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer disclosure is missing from the loan file.    
xx 5403687 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Credit Active B * HUD-1 Closing Statement missing or unsigned (Lvl 3) The copy of Final HUD-1 is illegible. However, some point and fees are hand written by the settlement agent.    
xx 5403687 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Application Missing (Lvl 2) The Final application/1003 is missing from the loan file.    
xx 5403687 xx 561 561-882 xx Non-QM QC Complete New York xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 5403687 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in New York state. The following required state disclosures are missing from the loan file.
1. NY Consumer Credit Disclosure / Fair Credit Reporting Notice.
2. NY Interest Rate Disclosure.
3. NY Hazard Insurance  Disclosure.
4. Tax Escrow Account Designation.
5. Mortgage Bankers and Exempt Organizations Preapplication.
6. Co-Signer Notice Requirements.
7. Default Warning Notice.
8. Commitment Disclosure.
9. Lock-in Disclosure.
10. Expiration of Lock-in or Commitment Period.		    
xx 10322944 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 10322944 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 10322944 xx 561 561-882 xx Non-QM QC Complete Washington xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 10322944 xx 561 561-882 xx Non-QM QC Complete Washington xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Available copy of final HUD-1 is not signed by borrower.    
xx 10322944 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Following Disclosure is missing from loan file,
Choice of Insurance Notice		    
xx 10322944 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Provides is missing from loan file.    
xx 10322944 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Doc Issue Active B * ROR Transaction date not consistent with Note and/or HUD (Lvl 2) ROR transaction date is xx which is inconsistent with note date xx and HUD settlement date xx.    
xx 36758322 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 36758322 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 36758322 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Following disclosures for Maryland state are missing from the loan file.
Affidavit of Consideration
Affidavit of Disbursement
Notice of Right to Select Attorney, Title Insurance Company and Settlement Agent Disclosure
No Escrow Account
Mandatory Binding Arbitration Disclosures
Home Buyer Education and Counseling Disclosure		    
xx 36758322 xx 561 561-882 xx Non-QM QC Complete Maryland xx NPL General Active B * Recent Foreclosure Sale - Need Update (Lvl 3) xx    
xx 36758322 xx 561 561-882 xx Non-QM QC Complete Maryland xx NPL NPL Active B * Payment History is not Complete (Lvl 3) Missing 5 months Payment History from prior servicer to complete a full 12 month review.  Payment History provided from current servicer is dated xx/xx/xxxx thruxx/xx/xxxx.    
xx 36758322 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is missing from the loan file.    
xx 36758322 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from the loan file.    
xx 36758322 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand  dated by the borrower.    
xx 85270806 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 85270806 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 85270806 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service providers is missing from the loan file.    
xx 85270806 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan Program Disclosure is missing from the loan file.    
xx 85270806 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing Transfer Disclosure is missing from the loan file.    
xx 85270806 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Massachusetts. The following required state disclosures are missing from the loan file.
1.Lead-Based Paint Disclosure
2.Mortgage Loan Application Disclosure
3.Carbon Monoxide Alarms
4.MA Smoke Detector Certificate
5.Notice of the Specific Reason for Denial of Credit
6.Demonstration and Documentation of Compliance with Borrower’s Interest Requirement		    
xx 85270806 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to calculate operative index value from the loan file.    
xx 47954394 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 47954394 xx 561 561-882 xx Non-QM QC Complete Illinois xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal report is missing from the loan file. However, the values are updated from the property valuation report located at "xx".    
xx 47954394 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * Good Faith Estimate missing or unexecuted (Lvl 2) Final GFE is missing from the loan file.    
xx 47954394 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan file.    
xx 47954394 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 47954394 xx 561 561-882 xx Non-QM QC Complete Illinois xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The payment history is available from xx/xx/xxxx to xx/xx/xxxx and records of xx/xx/xxxx. However, we require latest 12 months payment history. The payment history is missing from xx/xx/xxxx to xx/xx/xxxx and xx/xx/xxxx to xx/xx/xxxx.    
xx 47954394 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) xx     
xx 28281451 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 28281451 xx 561 561-882 xx Non-QM QC Complete Illinois xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal report is missing from the loan file. However, the values are updated from property valuation report located at "xx".    
xx 28281451 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) According to the updated title report dated xx/xx/xxxx, there is one Water/Sewer lien against the subject property for the amount of xx the subject property is located in Illinois State which is super lien state. There is risk of the subject property being foreclosed. This can be cured by paying off above water/sewer lien with accrued interest and late charges.    
xx 28281451 xx 561 561-882 xx Non-QM QC Complete Illinois xx Valuation LTV Active B * LTV or CLTV exceeds 104% (Lvl 2) Appraised value as per tape data is xx. Therefore, LTV exceeds xx%.    
xx 28281451 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * Good Faith Estimate missing or unexecuted (Lvl 2) Final GFE is missing from the loan file.    
xx 28281451 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 28281451 xx 561 561-882 xx Non-QM QC Complete Illinois xx NPL NPL Active B * Payment History is not Complete (Lvl 3) Payment history is available from xx/xx/xxxx to xx/xx/xxxx and records for month xx/xx/xxxx. However, we require latest 12 months payment history. The payment history is missing from xx/xx/xxxx to xx/xx/xxxx and from xx/xx/xxxx to xx/xx/xxxx.    
xx 28281451 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 28281451 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Illinois State. The following disclosures are missing from the loan file:    
xx 47755209 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 47755209 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 47755209 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal report is missing from the loan file.    
xx 47755209 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow acct disclosure is missing from the loan file.    
xx 47755209 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from the loan file.    
xx 47755209 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of service transfer disclosure is missing from the loan file.    
xx 47755209 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 47755209 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Legal Docs Doc Issue Active B * Title policy missing (Lvl 3) The final TPOL is missing from the loan file. However, the values are updated as per the commitment.    
xx 47755209 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The following disclosures are missing from the loan file,

1.Appraisal Disclosure
2.2nd Liens = provide CT disclosure and comply with terms Mortgage Insurance Disclosure
3.Interest Rate Disclosure
4.Lock-In Agreement Disclosure
5.Payoff Statement Disclosure
6.Legal RepresentationDisclosure
7.Non-Prime HUD contract disclosure
8.Non-Prime Notice of loan terms Disclosure
9.Interim Financing Disclosure		    
xx 47755209 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Legal Docs Doc Issue Active B * Amount of title insurance is less than mortgage amount (Lvl 3) The loan amount as per note is xx, however, the commitment reflects insurance amount as xx.    
xx 40479106 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 40479106 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 40479106 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated Business Disclosure is missing from the loan file.    
xx 40479106 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The List of Service Providers is missing from the loan file.    
xx 80682238 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 80682238 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 80682238 xx 561 561-882 xx Non-QM QC Complete Indiana xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD-1 is not signed by the borrower.    
xx 80682238 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Doc Issue Active B * Initial Truth in Lending Disclosure is Missing (Lvl 2) Initial TIL is missing from the loan file.    
xx 80682238 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The List of Service PRoviders is missing from the loan file.    
xx 10818984 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 10818984 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business disclosure is missing from the loan file.    
xx 10818984 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal is missing from the loan file.    
xx 10818984 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 10818984 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Compliance Ease risk indicator is moderate as loan is failing for TILA Finance Charge Test and TILA Foreclosure Rescission Finance Charge Test.    
xx 10818984 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer disclosure is missing from the loan file.    
xx 10818984 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * ComplianceEase Exceptions Test Failed (Lvl 2) This loan failed the Pennsylvania license validation test. (PA HB 2179 Section 6111)
The Pennsylvania HB 2179 requires non-exempt mortgage lenders engaged in the business of making mortgage loans to be licensed, effective November 5th, 2008.
The Pennsylvania Mortgage Lender License and Pennsylvania Exemption Letter (Mortgage Act) are not available for loans with a closing date before November 5th, 2008.		    
xx 10818984 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA Finance Charge Test is fail. Loan data is $57,723.69 and allowed amount is $57,923.69. Hence, the variance is -$200.00.

TILA Foreclosure Rescission Finance Charge Test. Loan data is $57,723.69 and allowed amount is $57,923.69. Hence, the variance is -$200.00.		    
xx 40469987 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit DTI Active B * DTI > 60% (Lvl 2) According to final application the total monthly income of the borrower xx; however, the total monthly debts of the borrower in the amount of xx. DTI exceeds xx%.    
xx 40469987 xx 561 561-882 xx Non-QM QC Complete Arizona xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 40469987 xx 561 561-882 xx Non-QM QC Complete Arizona xx Valuation Property Active B * Property Damage (Lvl 1) Collection comment dated xx/xx/xxxx shows that te borrower is self employed for 5 years and subject property is currently going through restructuring. Collection comment dated xx/xx/xxxx shows that subject property is owner occupant with no visible damages or repairs.    
xx 40469987 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 11964484 xx 561 561-882 xx QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 11964484 xx 561 561-882 xx QM QC Complete California xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal is missing from the loan file.    
xx 11964484 xx 561 561-882 xx QM QC Complete California xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) Compliance fails for TILA APR test as Loan data is 0.00%, Comparison data is 5.008% and Variance is -5.008%.    
xx 11964484 xx 561 561-882 xx QM QC Complete California xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
xx 11964484 xx 561 561-882 xx QM QC Complete California xx Credit Doc Issue Active B * Good Faith Estimate missing or unexecuted (Lvl 2) Final GFE is missing from the loan file.    
xx 11964484 xx 561 561-882 xx QM QC Complete California xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD-1 present in the loan file is not signed by the borrower.    
xx 11964484 xx 561 561-882 xx QM QC Complete California xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 11964484 xx 561 561-882 xx QM QC Complete California xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account disclosure is missing from the loan file.    
xx 11964484 xx 561 561-882 xx QM QC Complete California xx Credit Doc Issue Active B * Initial Good Faith Estimate is Missing (Lvl 2) Initial GFE is missing from the loan file.    
xx 11964484 xx 561 561-882 xx QM QC Complete California xx Credit Doc Issue Active B * Initial Truth in Lending Disclosure is Missing (Lvl 2) Initial TIL is missing from the loan file.    
xx 11964484 xx 561 561-882 xx QM QC Complete California xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing Transfer disclosure is missing from the loan file.    
xx 11964484 xx 561 561-882 xx QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 11964484 xx 561 561-882 xx QM QC Complete California xx Data Edit Data Edit Active B * Deceased Borrower(s) (Lvl 3) According to the updated title report dated xx/xx/xxxx, the borrower,xx was deceased on xx. However, no details regarding the death certificate or probate has been found in the collection comments.

.		    
xx 11964484 xx 561 561-882 xx QM QC Complete California xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA APR test.
The annual percentage rate (APR) is 5.008%. The disclosed APR of 0.000% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.		    
xx 80402397 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 80402397 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 80402397 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 80402397 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 80402397 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 80402397 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 80402397 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD-1 is available in the loan file but it is not signed by the borrower.    
xx 80402397 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow acct disclosure is missing from the loan file.    
xx 80402397 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from the loan file.    
xx 80402397 xx 561 561-882 xx Non-QM QC Complete California xx NPL NPL Active B * Payment History is not Complete (Lvl 3) Payment history is available in the file from xx/xx/xxxx toxx/xx/xxxx; however, we require latest 12 months payment history; Payment history is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 80402397 xx 561 561-882 xx Non-QM QC Complete California xx NPL General Active B * Recent Foreclosure Sale - Need Update (Lvl 3) xx    
xx 80402397 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer disclosure is missing from the loan file.    
xx 80402397 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located at "California" state and this state requires following disclosures and all are missing from the loan file.

Impound Account Disclosure
Cosigner Notice
Private Mortgage Insurance Disclosure
Hazard Insurance Disclosure
Insurer Recommendation Disclosure
Anti-Tying Disclosure
Privacy Notice
Notice of Right to Copy of Appraisal
Application for Credit-Married Persons
Fair Debt Collection Notice
Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 76903240 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 76903240 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal report is missing from the loan file.    
xx 76903240 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
xx 76903240 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 is missing from the loan file along with estimated hud-1 and itemization.    
xx 76903240 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 76903240 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 76903240 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 76903240 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
xx 76903240 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer disclosure is missing from the loan file.    
xx 76903240 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 76903240 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in MA State. The following state disclosures are missing in the loan files.
Lead-Based Paint Disclosure
Mortgage Loan Application Disclosure
Carbon Monoxide Alarms
MA Smoke Detector Certificate
Notice of the Specific Reason for Denial of Credit
Demonstration and Documentation of Compliance with Borrower’s Interest Requirement		    
xx 36194699 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Title Review Active B * Title Rvw shows prop. owner of record is not borr. (Lvl 2) According to Note document the property address is xx. However, the pro title report dated xx states that the property address isxx. There is difference between street suffix.    
xx 36194699 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Form Disclosure is missing from the loan file.    
xx 36194699 xx 561 561-882 xx Non-QM QC Complete Alabama xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan file.    
xx 36194699 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final Application is missing from the loan file.    
xx 36194699 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 is missing from the loan file. Also, there is no estimated HUD-1 or itemizations are available in the loan file.    
xx 36194699 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 36194699 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) MI Certificate is missing from the loan file.    
xx 36194699 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing Transfer Document is missing from the loan file.    
xx 36194699 xx 561 561-882 xx Non-QM QC Complete Alabama xx Legal Docs Legal Docs Active B * Updated title review shows IRS / vehicle / federal / personal tax liens (Lvl 2) There are two active IRS lien against borrower xx for the amount of xx.    
xx 36194699 xx 561 561-882 xx Non-QM QC Complete Alabama xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 66781637 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal at the origination is missing from the loan file.    
xx 66781637 xx 561 561-882 xx Non-QM QC Complete California xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 is missing from the loan file. Also, there is no estimated HUD-1 or itemizations are available in the loan file.    
xx 66781637 xx 561 561-882 xx Non-QM QC Complete California xx NPL NPL Active B * Payment History is not Complete (Lvl 3) Latest payment history is available from xx/xx/xxxx toxx/xx/xxxx. However, we required latest 12 months payment history. Payment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 66781637 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index value is unable to be confirmed.    
xx 66781637 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 66781637 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Application Missing (Lvl 2) The Final 1003 (Application)  is missing from the loan file.    
xx 66781637 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Property Active B * Subject property is located in a FEMA designated disaster area (recent). (Lvl 2) The subject property is located in the county where recent FEMA disaster is declared (California wild fires).    
xx 81852694 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan file.    
xx 81852694 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application is missing from the loan file.    
xx 81852694 xx 561 561-882 xx Non-QM QC Complete California xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 is missing from the loan file. However, estimated HUD-1 and itemization is missing from the loan file.    
xx 81852694 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 81852694 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow acct disclosure is missing from the loan file.    
xx 81852694 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
xx 81852694 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is missing from the loan file.    
xx 81852694 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Active State Tax Lien Judgement. (Lvl 2) Per the Updated Title Report dated xx/xx/xxxx, there is a State Tax Lien with the xx    
xx 81852694 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Legal Docs Active B * Updated title review shows IRS / vehicle / federal / personal tax liens (Lvl 2) Per the Updated Title Report dated xx/xx/xxxx, there is an IRS Lien with the xx.    
xx 81852694 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 81852694 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The affiliated business form disclosure is missing from the loan file.    
xx 81852694 xx 561 561-882 xx Non-QM QC Complete California xx NPL NPL Active B * NPL - Current balance lower than the tape balance by more than 25% (Lvl 1) The current UPB per the tape of $385,172, minus the deferred balance from the loan modification of xx, leaves a current UPB $219,339.33.  The deferred balance was captured in a different field than the UPB causing the discrepancy.    
xx 81852694 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The following state disclosures are missing from the loan file.
Impound Account Disclosure,Cosigner Notice, Private Mortgage Insurance Disclosure, Earthquake Disclosure forCondominiums, Hazard Insurance Disclosure, Insurer RecommendationDisclosure, CA Fair Lending Notice, Anti-Tying Disclosure, Privacy Notice, Application for Credit-Married Persons, Fair Debt Collection Notice.		    
xx 81852694 xx 561 561-882 xx Non-QM QC Complete California xx Credit Other Disclosures Active B * Missing Required Disclosures (Lvl 2) The list of service providers disclosure is missing from the loan file.    
xx 81852694 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Operative Index Numerical Value Unavailable based on lender docs (Lvl 2) The subject Note at origination is an Interest Only Adjustable Rate Note.  Unable to determine the Operative Index Value used by the lender at origination.    
xx 81852694 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Property Active B * Subject property is located in a FEMA designated disaster area (recent). (Lvl 2) The subject property is located in the county where recent FEMA disaster is declared (California wild fires).    
xx 31749413 xx 561 561-882 xx Non-QM QC Complete Hawaii xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Form Disclosure is missing from the loan file.    
xx 31749413 xx 561 561-882 xx Non-QM QC Complete Hawaii xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan file.    
xx 31749413 xx 561 561-882 xx Non-QM QC Complete Hawaii xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final Application is missing from the loan file.    
xx 31749413 xx 561 561-882 xx Non-QM QC Complete Hawaii xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 is missing from the loan file. Also, there is no estimated HUD-1 or itemizations are available in the loan file.    
xx 31749413 xx 561 561-882 xx Non-QM QC Complete Hawaii xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 31749413 xx 561 561-882 xx Non-QM QC Complete Hawaii xx NPL NPL Active B * Payment History is not Complete (Lvl 3) Payment history is available from xx/xx/xxxx toxx/xx/xxxx, however, latest 12 months payment history is required. The payment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 31749413 xx 561 561-882 xx Non-QM QC Complete Hawaii xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 31749413 xx 561 561-882 xx Non-QM QC Complete Hawaii xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing Transfer Document is missing from the loan file.    
xx 31749413 xx 561 561-882 xx Non-QM QC Complete Hawaii xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 31482761 xx 561 561-882 xx Non-QM QC Complete Arizona xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal is missing from the loan file.    
xx 31482761 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application is missing from the loan file.    
xx 31482761 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 is missing from the loan file. And estimated HUD-1/Fee itemization/GFE are also not available in the loan file.    
xx 31482761 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 31482761 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) MI certificate is missing from the loan file.    
xx 3979762 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 3979762 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 3979762 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 3979762 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) Compliance fails for TILA APR test as Loan data is 0.00%, Comparison data is 4.160% and Variance is -4.160%.    
xx 3979762 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final loan application along with transmittal is missing in the loan files, however updated the screen as per the Initial application found at LOC :(xx)    
xx 3979762 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 3979762 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Doc Issue Active B * Missing Title evidence (Lvl 4) Final Title Policy along with commitment and preliminary is missing in the loan files.    
xx 3979762 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) Origination ROR is missing in the loan files.    
xx 3979762 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit DTI Active B * DTI > 60% (Lvl 2) The total income is $10416.00 and total expenses are in the amount of $9436.18.    
xx 3979762 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA APR test. The annual percentage rate (APR) is 4.160%. The disclosed APR of 0.000% is not considered accurate because it is more than
1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.		    
xx 3979762 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to confirm operative index value due to missing documents.    
xx 71165081 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 71165081 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 71165081 xx 561 561-882 xx Non-QM QC Complete California xx Credit DTI Active B * DTI > 60% (Lvl 2) According to final loan application, the borrower monthly income is xx and total monthly debt is in the amount of $6,697.00, hence the DTI is exceeding xx%.    
xx 71165081 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal report is missing from the loan file.    
xx 71165081 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 71165081 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Active Judgment Against Borrower (Lvl 2) As per the updated title report dated xx/xx/xxxx, there are numerous civil judgments, IRS liens and state tax liens active against the borrower and all are recorded on xx. We are unable to determine the liens and judgments which are given on xx. However the SSN # is matching on xx. Hence these judgments not updated in updated title screen.    
xx 71165081 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 71165081 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Valuation Active B *  Property value crammed down (Lvl 4) xx     
xx 71165081 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 71165081 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Property Active B * Property Damage (Lvl 2) The comment dated xx/xx/xxxx states that the property had damage and unable to determine the nature of damage. However the borrowers intention is not to repair property.    
xx 71165081 xx 561 561-882 xx Non-QM QC Complete California xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The payment history is available from xx/xx/xxxx toxx/xx/xxxx. However, we require the latest 12 months’ payment history. The payment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 71165081 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 71165081 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Property Active B * Subject property is located in a FEMA designated disaster area (recent). (Lvl 2) The subject property is located in the county where recent FEMA disaster is declared (California wild fires).    
xx 71165081 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA APR test.
The annual percentage rate (APR) is 5.110%. The disclosed APR of 0.000% is not considered accurate because it is more than
1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.		    
xx 71165081 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) TILA APR Test: FAIL Loan Data 0.000% Comparison Data 5.110% Variance -5.110%    
xx 71165081 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to determine an operative index value because supportive documents are missing from the loan file.    
xx 10608275 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 10608275 xx 561 561-882 xx Non-QM QC Complete Indiana xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 10608275 xx 561 561-882 xx Non-QM QC Complete Indiana xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan file.    
xx 10608275 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow acct disclosure is missing from the loan file.    
xx 10608275 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is missing from the loan file.    
xx 10608275 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Title Review Active B * Active State Tax Lien Judgement. (Lvl 2) Per the Updated Title Report dated xx/xx/xxxx, there are 8 State Tax Liens with the State of Indiana totaling $3,350.11.  The State Tax Liens are as follows:
- State Tax Lien for xx.
- 2 State Tax Liens each for xx.
- State Tax Lien for xx.
- State Tax Lien for xx.
- State Tax Lien for xx.
- State Tax Lien for xx.
- State Tax Lien for xx.		    
xx 10608275 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The affiliated business form disclosure is missing from the loan file.    
xx 10608275 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Other Disclosures Active B * Missing Required Disclosures (Lvl 2) The list of service providers disclosure is missing from the loan file.    
xx 10608275 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 2) xx    
xx 10608275 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the Indiana license validation test.    
xx 10608275 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active B * ComplianceEase Exceptions Test Failed (Lvl 2) This loan failed the Indiana license validation test.
IN License Validation Test: FAIL
Indiana House Enrolled Act 1359 requires the Indiana Department of Financial Institutions to begin regulation of both first and
subordinate lien mortgage lending under the First Lien Mortgage Lending License and Subordinate Lien Mortgage Lending
License. As a result, lenders will no longer be allowed to make loans under the Indiana Unregulated (1st Lien), Unregulated
UCCC, Consumer Loan License, Consumer Loan License UCCC, or the Exemption Letter UCCC.
The Indiana First Lien Mortgage Lending License and Indiana Subordinate Lien Lending License are not available for loans with
a closing date before the Act's effective date of January 1, 2009.		    
xx 60294260 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 60294260 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 60294260 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Form is missing from the loan file.    
xx 60294260 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 60294260 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Acct Disclosure is missing from the loan file.    
xx 60294260 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Providers Disclosures is missing from the loan file.    
xx 60294260 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer Disclosure Document is missing from the loan file.    
xx 60294260 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in VA state. The following state disclosure is missing from the loan file.
VA Application Disclosure
Choice of Settlement Agent Disclosure
Disclosure of Charges For Appraisal or Valuation
Copy of Appraisal or Statement of Appraised Value
Affiliated Business Disclosure		    
xx 60294260 xx 561 561-882 xx Non-QM QC Complete Virginia xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The available payment history is from date xx/xx/xxxx toxx/xx/xxxx is incomplete. However, we require the last 12 months payment history. The payment history is missing from date toxx/xx/xxxx toxx/xx/xxxx.    
xx 60294260 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA APR test.    
xx 60294260 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA APR test.
The annual percentage rate (APR) is 6.232%. The disclosed APR of 0.000% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.
Loan Data is 0.00%, Comparison Data is 6.232%; hence, variance is -6.232%.		    
xx 38545881 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 38545881 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 38545881 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 38545881 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan file.    
xx 38545881 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 38545881 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is missing from the loan file.    
xx 38545881 xx 561 561-882 xx Non-QM QC Complete Virginia xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 38545881 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) The final TIL is missing from the loan files.    
xx 38545881 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Virginia State. The following disclosures are missing from the loan file:
VA Application Disclosure
Choice of Settlement Agent Disclosure
Disclosure of Charges For Appraisal or Valuation
Copy of Appraisal or Statement of Appraised Value.		    
xx 38545881 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA APR test    
xx 38545881 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA APR test.
The annual percentage rate (APR) is 7.864%. The disclosed APR of 0.000% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.
TILA APR Test: Result FAILLoan Data 0.000% Comparison Data 8.300% Variance -8.300%		    
xx 77845968 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 77845968 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 77845968 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Data Edit Data Edit Active B * Written or verbal dispute (Lvl 3) According to collection comments shows the payment dispute on dated xx/xx/xxxx in the amounts of $14120.6 ,there is no more information it solved or not.    
xx 77845968 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 77845968 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 77845968 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow acct disclosure is missing from the loan file.    
xx 77845968 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from the loan file.    
xx 77845968 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer disclosure is missing from the loan file.    
xx 77845968 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located at "Louisiana" state and this state requires following disclosures and all are missing from the loan file.

Authorization Fees, Charges and Expenses for Federally Related Mortgage Loans
Anti-Tying Disclosure
Financial Institution Choice of Insurance Disclosure		    
xx 77845968 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.
The finance charge is $98,595.82. The disclosed finance charge of $98,386.87 is not considered accurate because it is understated by more than $100.
This loan failed the TILA foreclosure rescission finance charge test.
The finance charge is $98,595.82. The disclosed finance charge of $98,386.87 is not considered accurate for purposes of rescission because it is understated by more than $35.		    
xx 77845968 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA finance charge test.
This loan failed the TILA foreclosure rescission finance charge test.		    
xx 94812360 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 94812360 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 94812360 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplinaceEase Risk Indicator is Moderate due to loan failed the TILA APR test.    
xx 94812360 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 94812360 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Acct disclosure is missing from the loan file.    
xx 94812360 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Payment history missing (Lvl 3) Payment history is available in the file from xx/xx/xxxx toxx/xx/xxxx, however, we require latest 12 months payment history; Payment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 94812360 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure missing from the loan file.    
xx 94812360 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Required State disclosure in missing from the below list.
1.Expiration of Lock-in or Commitment Period
2.Lock-in Disclosure
3.Commitment Disclosure
4.New York Real Property Escrow Account Disclosure
5.Default Warning Notice
6.Co-Signer Notice Requirements
7.Mortgage Bankers and Exempt Organizations Preapplication
8.Tax Escrow Account Designation
9.NY Hazard Insurance  Disclosure
10.NY Interest Rate Disclosure
11.NY Consumer Credit Disclosure / Fair Credit Reporting Notice		    
xx 94812360 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Title Review Active B * Active State Tax Lien Judgement. (Lvl 2) There is one Tax warrant (State tax lien) against the subject property in the amount of $1,429.01 which was recorded on xx.    
xx 94812360 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA APR test. Final TIL is missing from the loan file. Loan data is 0.000%, comparison data is 7.451% and variance is -7.451%.    
xx 21569917 xx 561 561-882 xx Non-QM QC Complete New York xx Legal Docs Legal Docs Active B * Updated title review shows IRS / vehicle / federal / personal tax liens (Lvl 2) Per the Updated Title Report dated xx/xx/xxxx, there are 5 IRS Liens with the xx.    
xx 21569917 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 2) xx    
xx 15038686 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 15038686 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 15038686 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) “This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."    
xx 15038686 xx 561 561-882 xx Non-QM QC Complete Washington xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD-1 is available in the loan file. However, the same is not executed by the borrower.    
xx 15038686 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index value is missing from the loan file.    
xx 15038686 xx 561 561-882 xx Non-QM QC Complete Washington xx NPL NPL Active B * Payment History is not Complete (Lvl 3) Payment history is available from xx/xx/xxxx toxx/xx/xxxx, however, it is missing from xx/xx/xxxx toxx/xx/xxxx. As we require latest 12 months payment history for review.    
xx 15038686 xx 561 561-882 xx Non-QM QC Complete Washington xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 15038686 xx 561 561-882 xx Non-QM QC Complete Washington xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 48235697 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 48235697 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 48235697 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow account disclosure is missing from the loan file.    
xx 48235697 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated Business Disclosure is missing from the loan file.    
xx 48235697 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) TIL is missing from the loan file.    
xx 48235697 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA APR Test: FAIL loan data 0.000% Comparison data 6.689% Variance -6.689%
This loan failed the TILA APR test.		    
xx 48235697 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) TILA APR Test: FAIL loan data 0.000% Comparison data 6.689% Variance -6.689%
This loan failed the TILA APR test.
The annual percentage rate (APR) is 6.689%. The disclosed APR of 0.000% is not considered accurate because it is more than
1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.		    
xx 76958339 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 76958339 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 76958339 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 76958339 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) xx    
xx 76958339 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) CE risk indicator is "Moderate" since this loan failed the late fees test as the loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located.

Late Fees Test: FAIL    Charged: 6.000%     Allowed: 5.000%    Over by: +1.000%		    
xx 76958339 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the late fees test as the loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located.

Late Fees Test: FAIL    Charged: 6.000%     Allowed: 5.000%    Over by: +1.000%		    
xx 74815144 xx 561 561-882 xx Non-QM QC Complete Nevada xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 74815144 xx 561 561-882 xx Non-QM QC Complete Nevada xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 74815144 xx 561 561-882 xx Non-QM QC Complete Nevada xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD-1 is not signed by all borrower from the loan file.    
xx 74815144 xx 561 561-882 xx Non-QM QC Complete Nevada xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 74815144 xx 561 561-882 xx Non-QM QC Complete Nevada xx Valuation Valuation Active B *  Property value crammed down (Lvl 4) xx     
xx 74815144 xx 561 561-882 xx Non-QM QC Complete Nevada xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 74815144 xx 561 561-882 xx Non-QM QC Complete Nevada xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Nevada State. The following disclosures are missing from the loan file:
Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application.		    
xx 89169314 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 89169314 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 89169314 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 89169314 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Valuation Property Active B * Property Damage (Lvl 2) Comment dated xx/xx/xxxx shows water damage claim amount of $15.000.    
xx 89169314 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from the loan file.    
xx 89169314 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer disclosure is missing from the loan file.    
xx 89169314 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located at "California" state and this state requires following disclosures and all are missing from the loan file.

Carbon Monoxide Alarms		    
xx 36325556 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 36325556 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 36325556 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 36325556 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan file.    
xx 36325556 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 36325556 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 36325556 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Tennessee. The following disclosures are missing from the loan file:
Placement of Insurance Disclosure
Availability of Title Insurance
TN Consent to Disclosure of Insurance Information
Choice of Agent/insurer
Insurance Solicitation/Post Commitment.		    
xx 36325556 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA finance charge test.
This loan failed the TILA APR test.		    
xx 36325556 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.The finance charge is $512,761.09. The disclosed finance charge of $491,244.64 is not considered accurate because it is
understated by more than $100.
TILA Finance Charge Test: FAIL Loan Data $491,244.64 Comparison Data $512,761.09 Variance -$21,516.45.
This loan failed the TILA APR test.The annual percentage rate (APR) is 7.616%. The disclosed APR of 7.210% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.
TILA APR Test: FAIL Loan Data 7.210% Comparison Data 7.616% Variance -0.406%.		    
xx 17087039 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 17087039 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 17087039 xx 561 561-882 xx Non-QM QC Complete Georgia xx Data Edit Data Edit Active B * Litigation (Lvl 3) According to the collection comment dated xx/xx/xxxx, The loan is in active litigation. The litigation was filed for little favorable precedent for litigation the reasonableness of fees under bankruptcy rule 3002.1. Further details regarding the same is not available in the collection comments. Hence; it is unable to confirm whether the litigation issue is resolved or not.    
xx 17087039 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 2) Updated title shows delinquent utilities taxes for the year xx in the amount of $207.26 and due for xx, however the utilities taxes are partial paid on xx, in the amount of $100.00, hence remaining amount $157.11 is delinquent.    
xx 17087039 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Collection comments are missing from xx/xx/xxxx toxx/xx/xxxx as we required latest 24 months complete collection comments. However, the information is updated from the prior collection comments which are available from xx/xx/xxxx toxx/xx/xxxx.    
xx 17087039 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow acct disclosure is missing from the loan file.    
xx 17087039 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is missing from the loan file.    
xx 17087039 xx 561 561-882 xx Non-QM QC Complete Georgia xx NPL NPL Active B * Payment History is not Complete (Lvl 3) Payment history is available from xx/xx/xxxx toxx/xx/xxxx however it is missing from xx/xx/xxxx toxx/xx/xxxx as we required latest 12 months complete payment history.    
xx 17087039 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The following state disclosures are missing from the loan file.
Waiver of Borrowers Rightsand Closing Attorney Affidavit (not required by law but provided as a matter of custom), Disclosure of Additional Fees.		    
xx 17087039 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Other Disclosures Active B * Missing Required Disclosures (Lvl 2) The list of service providers disclosure is missing from the loan file.    
xx 17087039 xx 561 561-882 xx Non-QM QC Complete Georgia xx Data Edit Data Edit Active B * Water/Sewer Taxes (Lvl 3) xx    
xx 53373872 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 53373872 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Valuation LTV Active B * LTV or CLTV exceeds 104% (Lvl 2) A uniform Appraisal report is missing in the loan file, however, values are updated as per 1008 and the appraisal value is xx and the loan amount is xx, therefore, LTV / LTV shows xx which exceeds xx%.    
xx 53373872 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan file. However, values are updated as per Transmittal Summary located at (xx).    
xx 53373872 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Credit DTI Active B * DTI > 60% (Lvl 2) As per Final Application, the total monthly income is in the amount of $3300.00 and the total monthly expenses is in the amount of $2327.86. Hence, DTI  is exceeding 60%.    
xx 53373872 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL was not hand dated by the borrower.    
xx 53373872 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 53373872 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 3) This is a conventional fixed rate note. The Final Application shows monthly MI payment is xx. Also, the tape data shows the lender requires MI. However, MI certificate is missing from the loan file.    
xx 53373872 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) This loan failed the maximum LTV test due to one or more of the following findings:
The loan-to-value (LTV) ratio is greater than 95%.
The combined loan-to-value (CLTV) ratio is greater than 95%.
Freddie Mac will not purchase a conventional mortgage with an LTV ratio or CLTV ratio greater than 95%.
Appraisal report is missing form the loan file, however, values are updated as per 1008 and the appraisal value is $112,228.65.		    
xx 17380086 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 17380086 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 17380086 xx 561 561-882 xx Non-QM QC Complete Michigan xx Credit Title Review Active B * Property address changed since origination - address on updated title different from note (Lvl 2) xx    
xx 17380086 xx 561 561-882 xx Non-QM QC Complete Michigan xx Credit Credit Active B * Payment history document is missing. (Lvl 3) As per the payment history report, the payment history is available from xx/xx/xxxx to xx/xx/xxxx. We require latest 12 months payment history report. The payment history is missing from xx/xx/xxxx toxx/xx/xxxx. However the payment history is incomplete.    
xx 17380086 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) CE risk indicator is "Elevated" as this loan failed the predatory lending guidance test since the loan failed the points and fees test.

GSE (Freddie Mac public guidelines) Points and Fees Test: FAIL     Charged: $4,776.25    Allowed: $4,775.00    Over by: +$1.25		    
xx 17380086 xx 561 561-882 xx Non-QM QC Complete Michigan xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application is missing from the loan file. However the values are taken from transmittal summary.    
xx 17380086 xx 561 561-882 xx Non-QM QC Complete Michigan xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the  borrower.    
xx 17380086 xx 561 561-882 xx Non-QM QC Complete Michigan xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) Right of Rescission Document is missing from the loan file.    
xx 22146174 xx 561 561-882 xx Non-QM QC Complete Mississippi xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 22146174 xx 561 561-882 xx Non-QM QC Complete Mississippi xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 31689141 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 31689141 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 31689141 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan file.    
xx 31689141 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 31689141 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is missing from the loan file.    
xx 31689141 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Credit Active B * HUD-1 Closing Statement missing or unsigned (Lvl 3) The final HUD-1 is missing from the loan files; however, the values are updated as per the itemization located at "xx".    
xx 31689141 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Florida State. The following disclosures are missing from the loan file:
Waiver of Borrowers Rightsand Closing Attorney Affidavit (not required by law but provided as a matter of custom)
Disclosure of Additional Fees.		    
xx 26519427 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 26519427 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 26519427 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 26519427 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from loan files.    
xx 26519427 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) CE risk indicator is moderate due to,
1. This loan failed the TILA APR test.
2. This loan failed the TILA finance charge test.
3. This loan failed the TILA foreclosure rescission finance charge test.		    
xx 26519427 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) CE TILA test failed due to,
1. This loan failed the TILA APR test.
The annual percentage rate (APR) is 5.944%. The disclosed APR of 5.804% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.

2. This loan failed the TILA finance charge test.
The finance charge is $76,787.14. The disclosed finance charge of $75,768.44 is not considered accurate because it is understated by more than $100.

3. This loan failed the TILA foreclosure rescission finance charge test.
The finance charge is $76,787.14. The disclosed finance charge of $75,768.44 is not considered accurate for purposes of rescission because it is understated by more than $35.		    
xx 26519427 xx 561 561-882 xx Non-QM QC Complete Louisiana xx NPL General Active B * Recent Foreclosure Sale - Need Update (Lvl 4) xx    
xx 26519427 xx 561 561-882 xx Non-QM QC Complete Louisiana xx NPL NPL Active B * Payment History is not Complete (Lvl 3) Payment history is available from xx/xx/xxxx toxx/xx/xxxx, xx/xx/xxxx toxx/xx/xxxx,xx/xx/xxxx toxx/xx/xxxx. Payment history is missing from xx/xx/xxxx to xx/xx/xxxx,xx/xx/xxxx toxx/xx/xxxx andxx/xx/xxxx toxx/xx/xxxx.    
xx 7425605 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business disclosure is missing from the loan file.    
xx 7425605 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 7425605 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account disclosure is missing from the loan file.    
xx 7425605 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Other Disclosures Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from the loan file.    
xx 7425605 xx 561 561-882 xx Non-QM QC Complete Ohio xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 7425605 xx 561 561-882 xx Non-QM QC Complete Ohio xx Data Edit Data Edit Active B * Foreclosure Delay or Contested (Lvl 2) The foreclosure was initiated and the file was referred to an attorney on xx. As per the comment dated xx/xx/xxxx the contested matter found and as per comment dated xx/xx/xxxx the contested matter has been removed.    
xx 47920280 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Property Active B * Property Damage (Lvl 2) Collection comments dated on xx/xx/xxxx, states that there are some on the subject property due to storm which is affected by the hurricane. No damages amount is provided in the collection comments. No details were found regarding the insurance claim.    
xx 47920280 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 is missing from the loan file. Also, there is no estimated HUD-1 or itemization available in the loan file.    
xx 47920280 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Doc Issue Active B * Title policy missing (Lvl 3) Final title policy at the time of origination is missing from the loan file; however Title Commitment is available in the file locator("xx").    
xx 47920280 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Following state disclosure is missing from the loan file.
Anti-Coercion Notice
Title Insurance Disclosure
Radon Gas Disclosure
Insurance Sales Disclosure		    
xx 47920280 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider disclosure is missing from the loan file.    
xx 47920280 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of service transfer disclosure is missing from the loan file.    
xx 47920280 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 47920280 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Active Judgment Against Borrower (Lvl 3) Updated title report dated on xx/xx/xxxx there is civil judgment in the huge amount of xx which is more than the loan amount.    
xx 80001818 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 80001818 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 80001818 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 80001818 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of Servicing Transfer is missing from the loan file.    
xx 80001818 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 80001818 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Data Edit Data Edit Active B * Deceased Borrower(s) (Lvl 3) According to the updated title report dated xx/xx/xxxx, the borrower,xx was deceased on xx. However, no details regarding the death certificate or probate has been found in the collection comments.

.		    
xx 80001818 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The List of Service Providers is missing from the loan file.    
xx 80001818 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 80001818 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA right of rescission test.
The funding date is before the third business day following consummation.
The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the		    
xx 80001818 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA right of rescission test..    
xx 63074519 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report is missing from loan file.    
xx 63074519 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Application Missing (Lvl 2) The Final 1003/application is missing from the loan file.    
xx 63074519 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Good Faith Estimate missing or unexecuted (Lvl 2) The Final Good Faith Estimate is missing from loan file.    
xx 63074519 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) The Final HUD-1 along with itemization and closing instruction are missing from the loan file.    
xx 63074519 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) The final TIL is not hand dated by borrower.    
xx 63074519 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) The ROR document is not hand dated by the all borrower.    
xx 12371796 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 12371796 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 12371796 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 12371796 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Legal Docs Active B * Updated title review shows IRS / vehicle / federal / personal tax liens (Lvl 2) According to the updated title report dated xx/xx/xxxx,there is an IRS lien open against the borrower in the amount of $xx in the favor of xx.    
xx 12371796 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 12371796 xx 561 561-882 xx Non-QM QC Complete California xx NPL NPL Active B * Payment History is not Complete (Lvl 3) Payment history is incomplete. Payment history is available from xx/xx/xxxx to xx/xx/xxxx. However, we require latest 12 months of payment history. Payment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 12371796 xx 561 561-882 xx Non-QM QC Complete California xx Credit DTI Active B * DTI > 60% (Lvl 2) The final 1003 reflects total monthly income as $ xx; however total debts are in the amount of $xx Hence, DTI is greater than 60%.    
xx 12371796 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) The final TIL is missing from the loan file.    
xx 12371796 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA APR test.    
xx 12371796 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA APR test.
The annual percentage rate (APR) is 6.066%. The disclosed APR of 0.000% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.		    
xx 91089858 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 91089858 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 91089858 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business disclosure is missing from the loan file.    
xx 91089858 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit DTI Active B * DTI > 60% (Lvl 2) As per 1003 dated xx/xx/xxxx, the total monthly income is in the amount of $6,329 and the total monthly expenses is in the amount of $4,046.78 hence, DTI  is exceeding 60%.    
xx 91089858 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Compliance fails for TILA Foreclosure Rescission Finance Charge Test as Loan data is $268,254.90, Comparison data is $268,325.61 and Variance is -$70.71.    
xx 91089858 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Other Disclosures Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from the loan file.    
xx 91089858 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 91089858 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA foreclosure rescission finance charge test. The finance charge is $268,325.61. The disclosed finance charge of $268,254.90 is not considered accurate for purposes of rescission because it is understated by more than $35.    
xx 18679299 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 18679299 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 18679299 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 18679299 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
xx 18679299 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan file.    
xx 18679299 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Providers is missing from the loan file.    
xx 18679299 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by the borrower    
xx 18679299 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The notice of servicing transfer disclosure is missing from the loan file.    
xx 18679299 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Maryland State. The following required state disclosures are missing from the loan file.
1.Affidavit of Consideration
2.Affidavit of Disbursement
3.First Time Buyers Affidavit
4.Notice of Right to Select Attorney, Title Insurance Company and Settlement Agent Disclosure
5.Balloon Payment
6.No Escrow Account
7.Mandatory Binding Arbitration Disclosures
8.Home Buyer Education and Counseling Disclosure		    
xx 18679299 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.
The finance charge is $299,863.58. The disclosed finance charge of $299,699.47 is not considered accurate because it is
understated by more than $100.
TILA Finance Charge Test : Loan Data : $299,699.47, Comparison Data : $299,863.58, Variance : -$164.11.
This loan failed the TILA foreclosure rescission finance charge test.
The finance charge is $299,863.58. The disclosed finance charge of $299,699.47 is not considered accurate for purposes of
rescission because it is understated by more than $35.
TILA Foreclosure Rescission Finance Charge Test: : Loan Data : $299,699.47, Comparison Data : $299,863.58, Variance : -$164.11.		    
xx 18679299 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA finance charge test.
This loan failed the TILA foreclosure rescission finance charge test.		    
xx 19260553 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 19260553 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 19260553 xx 561 561-882 xx Non-QM QC Complete Michigan xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of Service Transfer Disclosure bis missing from the loan file.    
xx 19260553 xx 561 561-882 xx Non-QM QC Complete Michigan xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated Business Disclosure is missing from the loan file.    
xx 19260553 xx 561 561-882 xx Non-QM QC Complete Michigan xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 19260553 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider disclosure is missing from the loan file.    
xx 19260553 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The property is located in Michigan State and the required disclosure Choice of Insurance Agent is missing from the loan file.    
xx 12022949 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 12022949 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 12022949 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Valuation Property Active B * Property Damage (Lvl 3) As per collection comment dated xx/xx/xxxx, the motion to reassess damages can be filled which can take 30-90days. The current amount is $5990.41. The nature of the damage is unavailable.  No details were found regarding the insurance claim. Details regarding repairs are unavailable. We can not able to confirm the amount of damage.    
xx 12022949 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Mtg Insurance Active B * Mortgage Insurance Certificate missing (Lvl 2) As per Tape data MI certificate is required however the MI certificate is missing from the loan file.    
xx 12022949 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application is missing from the loan file.    
xx 12022949 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by borrower.    
xx 12022949 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 4287336 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 4287336 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 4287336 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Form is missing from the loan file.    
xx 4287336 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit DTI Active B * DTI > 60% (Lvl 2) As per 1003 dated xx/xx/xxxx, the total monthly income is in the amount of $2,793.08 and the total monthly expenses are in the amount of $1,432.36. Hence, the DTI is calculated as 84.937% which is exceeding 60% DTI limit.    
xx 4287336 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Acct Disclosure is missing from the loan file.    
xx 4287336 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Services Providers is missing from the loan file.    
xx 4287336 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) MI Certificate is missing from the loan file.    
xx 4287336 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer Disclosure is missing from the loan file.    
xx 19771084 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 19771084 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 19771084 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 19771084 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan file.    
xx 19771084 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Providers Disclosure is missing from the loan file.    
xx 19771084 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer Disclosure Document is missing from the loan file.    
xx 19771084 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in GA state. The following state disclosures are missing from the loan file:
Waiver of Borrowers Rightsand Closing Attorney Affidavit (not required by law but provided as a matter of custom)
Disclosure of Additional Fees		    
xx 19771084 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.
The finance charge is $145,465.84. The disclosed finance charge of $145,165.84 is not considered accurate because it is understated by more than $100.
TILA Finance Charge Test: Result:FAIL; Loan Data: $145,165.84; Comparison Data: $145,465.84;Variance:  -$300.00.		    
xx 19771084 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA finance charge test.
TILA Finance Charge Test: Result:FAIL; Loan Data: xx; Comparison Data: xx;Variance:  -$300.00.		    
xx 25091032 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 25091032 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 25091032 xx 561 561-882 xx Non-QM QC Complete Maryland xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan file.    
xx 25091032 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 25091032 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) xx    
xx 25091032 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 25091032 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 25091032 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Application Missing (Lvl 2) The final application/1003 is missing from loan file.    
xx 25091032 xx 561 561-882 xx Non-QM QC Complete Maryland xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 25091032 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA APR test.    
xx 25091032 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA APR Test: Result: FAIL; Loan Data:  0.000%; Comparison Data: 6.993%; Variance: -6.993%.
This loan failed the TILA APR test.
The annual percentage rate (APR) is 6.993%. The disclosed APR of 0.000% is not considered accurate because it is more than
1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.		    
xx 18594801 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 18594801 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 18594801 xx 561 561-882 xx Non-QM QC Complete Maryland xx Data Edit Data Edit Active B * Foreclosure Delay or Contested (Lvl 3) As per the comment dated xx/xx/xxxx, contested matter has been found related toTransfer of Ownership. As per the comment the debtor xx the court in his motion to transfer ownership of property of the estate by failing to state that he had already transferred the property, and instead he is asking that xx be added to the deed and title" since the title company needed permission to add xx to the Title or Deed in order to proceed further with the refinance. However, no further details have been found regarding the resolution of this contested matter.    
xx 18594801 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL was not hand dated by the borrower.    
xx 18594801 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR was not hand dated by the borrower.    
xx 18594801 xx 561 561-882 xx Non-QM QC Complete Maryland xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 54117141 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 54117141 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 54117141 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit DTI Active B * DTI > 60% (Lvl 2) As per 1003 application report, the total monthly income is $23,648.00 and the total monthly expenses are 17124.85 However, DTI is greater than 60%.    
xx 54117141 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 54117141 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 54117141 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Valuation Active B *  Property value crammed down (Lvl 4) xx     
xx 24959930 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 24959930 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 24959930 xx 561 561-882 xx Non-QM QC Complete Michigan xx NPL NPL Active B * Payment History is not Complete (Lvl 3) As per the payment history report, the payment history is available from xx/xx/xxxx to xx/xx/xxxx. Hence we require latest 12 moths payment history report. The payment history is missing from xx/xx/xxxx toxx/xx/xxxx. Hence the payment history is not complete.    
xx 24959930 xx 561 561-882 xx Non-QM QC Complete Michigan xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
xx 59613159 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 59613159 xx 561 561-882 xx Non-QM QC Complete New York xx Legal Docs Title Issue Active B * Title issue (Lvl 3) xx    
xx 59613159 xx 561 561-882 xx Non-QM QC Complete New York xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 59613159 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan file.    
xx 59613159 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Providers Disclosure is missing from the loan file.    
xx 59613159 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is missing from the loan file.    
xx 59613159 xx 561 561-882 xx Non-QM QC Complete New York xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The Payment history is available from xx/xx/xxxx toxx/xx/xxxx, as we require a recent 12 months payment history. However, the latest 12 months payment history is missing. Values are updated as per tape data.    
xx 59613159 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in New York state. The following state disclosure are missing from the loan file.
NY Consumer Credit Disclosure / Fair Credit Reporting Notice
NY Interest Rate Disclosure
NY Hazard Insurance  Disclosure
Tax Escrow Account Designation
Mortgage Bankers and Exempt Organizations Preapplication
Part 80 Disclosure
Alternative Mortgage Transaction Disclosures
Co-Signer Notice Requirements
Default Warning Notice
Smoke Alarm Affidavit
New York Real Property Escrow Account Disclosure
Subprime Home Loan Counseling Disclosure
Subprime Home Loan Tax and Insurance Payment Disclosure
Subprime Home Loan Disclosure
Commitment Disclosure
Lock-in Disclosure
Expiration of Lock-in or Commitment Period		    
xx 15091412 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 15091412 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 15091412 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Form is missing from the loan file.    
xx 15091412 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 15091412 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) Grace Period Test: FAIL Loan Data 10Days Comparison Data 15Days Variance -5Days
This loan failed the grace period test.
The loan has a grace period that does not conform to the requirements for the lender's license type in the state where the
property is located.

Late Fees Test: FAIL Loan Data 6.000% Comparison Data 4.000% Variance +2.000%.
This loan failed the late fees test.
The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is
located.

The loan is a first lien mortgage and has a principal amount that is greater than or equal to $10,000 and charges discount points
that are not paid for the purpose of reducing, and do not in fact result in a bona fide reduction of the interest rate.
Points are treated as paid for the purpose of reducing, and in fact result in a bona fide reduction of the interest rate, if they are
marked as "Bona Fide - State."		    
xx 15091412 xx 561 561-882 xx Non-QM QC Complete North Carolina xx NPL NPL Active B * Payment History is not Complete (Lvl 3) Payment history is available from xx/xx/xxxx to xx/xx/xxxx; as we require a recent 12 months payment history. However, the payment history is missing from xx/xx/xxxx, xx/xx/xxxxxx/xx/xxxxxx/xx/xxxx andxx/xx/xxxxxx/xx/xxxx.    
xx 15091412 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing Transfer Document is missing from the loan file.    
xx 15091412 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The List of service providers is missing from the loan file.    
xx 15091412 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in North Carolina state. The following required state disclosure are missing from the loan file.
1. Amortization Schedule Disclosure.
2. Credit Property Insurance Disclosure.
3. Fee Agreement.
4. Priority of Security Instrument Disclosure.
5. Attorney Selection Disclosure.		    
xx 15091412 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the grace period test.
This loan failed the late fees test.
This Loan failed Bona Fide Discount Points Test:		    
xx 15091412 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to determine the Operative Index value. As per the supportive Documents is missing from the loan file.    
xx 65331365 xx 561 561-882 xx Non-QM QC Complete Mississippi xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 65331365 xx 561 561-882 xx Non-QM QC Complete Mississippi xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 65331365 xx 561 561-882 xx Non-QM QC Complete Mississippi xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 65331365 xx 561 561-882 xx Non-QM QC Complete Mississippi xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow account disclosure is missing from the loan file.    
xx 65331365 xx 561 561-882 xx Non-QM QC Complete Mississippi xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 65331365 xx 561 561-882 xx Non-QM QC Complete Mississippi xx NPL NPL Active B * Payment History is not Complete (Lvl 3) Payment history is available from xx/xx/xxxx toxx/xx/xxxx; however, we required latest 12 months payment history. The payment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 65331365 xx 561 561-882 xx Non-QM QC Complete Mississippi xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 65331365 xx 561 561-882 xx Non-QM QC Complete Mississippi xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer disclosure is missing from the loan file.    
xx 65331365 xx 561 561-882 xx Non-QM QC Complete Mississippi xx Credit Doc Issue Active B * Application Not Signed by All Borrowers (Lvl 2) The available Final Application is not signed by the borrower.    
xx 65331365 xx 561 561-882 xx Non-QM QC Complete Mississippi xx Credit Doc Issue Active B * Application Missing (Lvl 2) The available Final Application is not signed by the borrower.    
xx 65331365 xx 561 561-882 xx Non-QM QC Complete Mississippi xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The ComplianceEase risk indicator is "Moderate" due to
1) TILA Finance Charge Test:
2) TILA Foreclosure Rescission Finance Charge Test:
3) TILA APR Test:		    
xx 65331365 xx 561 561-882 xx Non-QM QC Complete Mississippi xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) The ComplianceEase TILA test is faild for:-
1) TILA Finance Charge Test:
The Loan data is $106,806.20 The Comparison data is $107,604.88 and the Variance is -$798.68


2) TILA Foreclosure Rescission Finance Charge Test:
The Loan data is $106,806.20 The Comparison data is $107,604.88 and the Variance is -$798.68

3) TILA APR Test:
The Loan data is 8.180% The Comparison data is 8.320% and the Variance is -0.140%.		    
xx 37297207 xx 561 561-882 xx Non-QM QC Complete Mississippi xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 37297207 xx 561 561-882 xx Non-QM QC Complete Mississippi xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 37297207 xx 561 561-882 xx Non-QM QC Complete Mississippi xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) The appraisal report is missing from the loan file.    
xx 37297207 xx 561 561-882 xx Non-QM QC Complete Mississippi xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) The final TIL is not hand dated by the borrower.    
xx 14711346 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 14711346 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 14711346 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 is missing in the loan file.    
xx 14711346 xx 561 561-882 xx Non-QM QC Complete Maryland xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The payment history is available from xx/xx/xxxx to xx/xx/xxxx and  However, as we require the latest 12 months payment history. The missing payment history from  xx/xx/xxxx toxx/xx/xxxx.    
xx 2635516 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 2635516 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal report is missing from the loan file.    
xx 2635516 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 along with estimated Hud-1 and itemization is missing from the loan file.    
xx 2635516 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final loan application is missing from the loan file.    
xx 2635516 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 2635516 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Valuation Property Active B * Property is Manufactured Housing (Lvl 4) Home is not affixed. An appraisal report at the time of origination is missing from the loan file. Available appraisal located at- “xx states the subject property type is manufactured home. Latest tax report attached with updated title report dated xx/xx/xxxx list subject property type as Mobile/manufacture home. Neither Short form policy has ALTA-7 endorsement attached with it nor does the mortgage have VIN number listed in it. Mobile Home Affixture Affidavit is also not found in the loan file. It is unable to confirm whether subject property is affixed to the land. No latest BPO report is available in the loan file.    
xx 2635516 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan file.    
xx 2635516 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 2635516 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is missing from the loan file.    
xx 2635516 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The comment history is availabe from xx/xx/xxxx to xx/xx/xxxx and from xx/xx/xxxx to xx/xx/xxxx. However, we require latest 24 months collection comment. The comment history is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 2635516 xx 561 561-882 xx Non-QM QC Complete North Carolina xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The payment history is available from xx/xx/xxxx to xx/xx/xxxx. However, we require latest 12 months payment history. The payment history is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 2635516 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in North Carolina State. The following disclosures are missing from the loan file:
Amortization Schedule Disclosure
Credit Property Insurance Disclosure
Fee Agreement
Priority of Security Instrument Disclosure.		    
xx 24573828 xx 561 561-882 xx Non-QM QC Complete Ohio xx Legal Docs Legal Docs Active B * Updated title review shows IRS / vehicle / federal / personal tax liens (Lvl 2) As per updated title report dated xx/xx/xxxx,there is a junior IRS lien in the amount of xx.    
xx 24573828 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Comment history is available from xx/xx/xxxx toxx/xx/xxxx. However, we require the latest 24 months comment history. Comment history missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 24573828 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) The final HUD1 along with estimated HUD1 and Itemization are missing from the loan file.    
xx 24573828 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) The final TIL is not hand dated by the borrower.    
xx 24573828 xx 561 561-882 xx Non-QM QC Complete Ohio xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 91634653 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Form is missing from the loan file.    
xx 91634653 xx 561 561-882 xx Non-QM QC Complete Georgia xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan file.    
xx 91634653 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final Application is missing from the loan file.    
xx 91634653 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 is missing from the loan file along with itemization and estimated HUD-1.    
xx 91634653 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 91634653 xx 561 561-882 xx Non-QM QC Complete Georgia xx Legal Docs Doc Issue Active B * Title policy missing (Lvl 3) Final title policy is missing from the loan file. However values are updated as per Commitment.    
xx 91634653 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 91634653 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer Disclosure Document is missing from the loan file.    
xx 91634653 xx 561 561-882 xx Non-QM QC Complete Georgia xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) The chain of assignment is incomplete as there is a break in chain of assignment from xx to xx.    
xx 58948718 xx 561 561-882 xx Non-QM QC Complete Texas xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An Appraisal report is missing from loan file.    
xx 58948718 xx 561 561-882 xx Non-QM QC Complete Texas xx Valuation Property Active B * Property Damage (Lvl 2) As per the comment dated xx/xx/xxxx, there are damages to the property. The estimated cost of repairs is not mentioned. No details regarding the insurance claim is found.  No comments have been found stating the damages have been repaired.    
xx 58948718 xx 561 561-882 xx Non-QM QC Complete Texas xx Legal Docs Legal Docs Active B * Updated title review shows IRS / vehicle / federal / personal tax liens (Lvl 2) As per the review of the updated title report dated xx/xx/xxxx, there are 2 IRS liens in the favor of IRS first which was recorded on xx.    
xx 58948718 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 2) As per the review of the updated title report dated xx/xx/xxxx, the xx annual taxes have been delinquent in the amount of $12,550.78    
xx 58948718 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 is missing from the loan file.    
xx 58948718 xx 561 561-882 xx Non-QM QC Complete Texas xx Legal Docs Doc Issue Active B * Missing Title evidence (Lvl 4) Final Title Policy at origination is missing in the loan file and there is no commitment / preliminary report is available in the file either    
xx 58948718 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) Right Of Rescission is missing from loan file.    
xx 58948718 xx 561 561-882 xx Non-QM QC Complete Texas xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 58948718 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Application Missing (Lvl 2) The final application/1003 is missing from loan file.    
xx 58948718 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) The Final TIL is missing in the loan file.    
xx 58948718 xx 561 561-882 xx Non-QM QC Complete Texas xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The payment history is available from xx/xx/xxxx toxx/xx/xxxx. As we require latest 12 months of the payment history. Missing payment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 10636812 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 10636812 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 10636812 xx 561 561-882 xx Non-QM QC Complete Michigan xx Credit DTI Active B * DTI > 60% (Lvl 2) As per the application the borrowers monthly income is $4,326.40 and total monthly expenses are in the amount of $1,048.07. However DTI exceeds 60%.    
xx 10636812 xx 561 561-882 xx Non-QM QC Complete Michigan xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 58354450 xx 561 561-882 xx Non-QM QC Complete Indiana xx NPL General Active B * Describe the BK payment plan (Lvl 2) xx    
xx 58354450 xx 561 561-882 xx Non-QM QC Complete Indiana xx Valuation Doc Issue Active B * Missing flood cert (Lvl 2) Flood cert. is missing from the loan file.    
xx 58354450 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Other Disclosures Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from the loan file.    
xx 58354450 xx 561 561-882 xx Non-QM QC Complete Indiana xx Modification Doc Issue Active B * Loan appears modified. Mod missing or unexecuted (Lvl 3) Missing cramdown agreement as outlined in comments.  Tape data considered it a modification    
xx 58354450 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Title Review Active B * Title Rvw shows prop. owner of record is not borr. (Lvl 2) xx    
xx 78820824 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan file.    
xx 78820824 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
xx 78820824 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Modification Doc Issue Active B * Loan appears modified. Mod missing or unexecuted (Lvl 3) Tape indicates there is a modification.  No record in file.    
xx 78820824 xx 561 561-882 xx Non-QM QC Complete Kentucky xx NPL General Active B * Describe the BK payment plan (Lvl 2) xx    
xx 46054079 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 46054079 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 46054079 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final Application is missing from the loan file.    
xx 46054079 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 46054079 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Legal Docs Hazard Insurance Active B * Hazard Insurance (Lvl 3) The file does not have the most current insurance policy which has the risk of not knowing whether there is sufficient coverage in the event of a loss.  The issue can be cured by obtaining the current policy.    
xx 46054079 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA APR test.    
xx 46054079 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA APR test.
The annual percentage rate (APR) is 6.895%. The disclosed APR of 0.000% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.
The loan data is 0.000% and comparison data is 6.895%; hence, the variance is -6.895%.		    
xx 47403923 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report at the time of origination of the loan is missing from the loan file.    
xx 47403923 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 47403923 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 47403923 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application is missing from the loan file.    
xx 47403923 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 along with an estimated HUD-1 and Fee itemization are missing from the file.    
xx 47403923 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 47403923 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Rvw shows prop. owner of record is not borr. (Lvl 2) xx    
xx 47403923 xx 561 561-882 xx Non-QM QC Complete Florida xx Modification Doc Issue Active B * Loan appears modified. Mod missing or unexecuted (Lvl 4) This is a conventional fixed rate mortgage with P&I of $738.62 and the rate of interest at 7.750%. The P&I as per payment history is reflected in the amount of $599.63 and rate of interest is 5.250 %. However, there is a reduction in P&I and rate of interest with respect to Note data which seems that there would be a possible modification, but the modification document is missing from loan file. As per tape data, the loan has been modified on xx with a modified principal balance of $xx.    
xx 11735161 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 11735161 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 11735161 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Credit DTI Active B * DTI > 60% (Lvl 2) As per 1003 application report, the total monthly income is $1,516.67 and the total monthly expenses are 1875.9  However, DTI is greater than 60%.    
xx 11735161 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Legal Docs Doc Issue Active B * Title policy missing (Lvl 3) Final Title Policy is missing from the loan file however title commitment is available which is located at xx. All data are captured from title commitment.    
xx 11735161 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated Business Disclosure is missing from the loan file.    
xx 11735161 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider disclosure is missing from the loan file.    
xx 11735161 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in MN State and the required disclosures are missing from the loan file as follow.
Interest Rate or Discount Point Agreement
Insurance Disclosure		    
xx 67197133 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 67197133 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 67197133 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Form Disclosure is missing from the loan file.    
xx 67197133 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Credit Active B * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 is available in the loan file. However some point & fees value is hand written.    
xx 67197133 xx 561 561-882 xx Non-QM QC Complete New York xx NPL NPL Active B * Payment History is not Complete (Lvl 3) Latest payment history is available from xx/xx/xxxx toxx/xx/xxxx. However, we required latest 12 months payment history. Payment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 67197133 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Required State disclosure in missing from the below list.
1.Expiration of Lock-in or Commitment Period
2.Lock-in Disclosure
3.Commitment Disclosure
4.New York Real Property Escrow Account Disclosure
5.Default Warning Notice
6.Mortgage Bankers and Exempt Organizations Preapplication
7.Tax Escrow Account Designation
8.NY Consumer Credit Disclosure / Fair Credit Reporting Notice		    
xx 67197133 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test. :-
Loan data is $68567.13 which is compared with $68807.13 and variance is -$240.00
The finance charge is $68,807.13. The disclosed finance charge of $68,567.13 is not considered accurate because it is understated by more than $100.
This loan failed the TILA foreclosure rescission finance charge test. :-
Loan data is $68567.13 which is compared with $68807.13 and variance is -$240.00

The finance charge is $68,807.13. The disclosed finance charge of $68,567.13 is not considered accurate for purposes of rescission because it is understated by more than $35.		    
xx 67197133 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA finance charge test.
This loan failed the TILA foreclosure rescission finance charge test.		    
xx 27055657 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 27055657 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 27055657 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal Report is missing from the loan file.    
xx 27055657 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Valuation Property Active B * Property is Manufactured Housing (Lvl 4) Home Not Affixed. The appraisal report at the time of origination is missing from the loan file. However, the available appraisal report dated xx states that the subject property type is manufactured home. The latest BPO report dated xx/xx/xxxx, located at “xx” shows the property type as “manufactured home” Also, the latest tax report attached with updated title report dated xx/xx/xxxx list subject property type as Mobile/manufacture home with different tax assessment for land and improvements. Neither Short form policy has ALTA-7 endorsement attached with it nor does the mortgage have VIN number listed in it. The Affixation Certificate is not found in the loan file. It is unable to confirm whether subject property is affixed to the land.    
xx 27055657 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Required State disclosure in missing from the below list.
1.Attorney Selection Disclosure
2.Priority of Security Instrument Disclosure
3.Fee Agreement
4.Amortization Schedule Disclosure		    
xx 27055657 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The ComplianceEase risk indicator is "Moderate" due to
First Lien Lender Fees Test:
Bona Fide Discount Points Test:		    
xx 27055657 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) The ComplianceEase State regulation Test failed for
1) First Lien Lender Fees Test:
The Loan Data is $195.00 The Comparison Data is $187.34 and The Variance is +$7.66.

2 )Bona Fide Discount Points Test:		    
xx 24292537 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 24292537 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 24292537 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Final TIL Date after actual transaction date (Lvl 2) According to the Final TIL, the transaction date is xx which is aft3er the actual transaction date of Note i.e xx.    
xx 24292537 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 24292537 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Not all borrowers signed TIL (Lvl 2) Final TIL is not signed by the borrowers.    
xx 24292537 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) The Final TIL is not hand dated by the borrowers.    
xx 24292537 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) The HUD-1 is not executed by the borrowers.    
xx 24292537 xx 561 561-882 xx Non-QM QC Complete California xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comment is available only for one day of xx/xx/xxxx. However, we require the latest 24 months of comment history. The comment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 8288724 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal Report is missing from the loan file.    
xx 8288724 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 8288724 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Good Faith Estimate missing or unexecuted (Lvl 2) Final GFE is missing from the loan file.    
xx 8288724 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated Business Disclosure is missing from the loan file.    
xx 8288724 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The notice of servicer disclosure is missing from the loan file.    
xx 8288724 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Active Judgment Against Borrower (Lvl 3) The review of the pro-title dated xx/xx/xxxx, there is a senior Child support lien against the borrower “xx".    
xx 8288724 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the Pennsylvania license validation test.
The Pennsylvania HB 2179 requires non-exempt mortgage lenders engaged in the business of making mortgage loans to be
licensed, effective November 5th, 2008.
The Pennsylvania Mortgage Lender License and Pennsylvania Exemption Letter (Mortgage Act) are not available for loans with a
closing date before November 5th, 2008.		    
xx 8288724 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * ComplianceEase Exceptions Test Failed (Lvl 2) This loan failed the Pennsylvania license validation test.
The Pennsylvania HB 2179 requires non-exempt mortgage lenders engaged in the business of making mortgage loans to be
licensed, effective November 5th, 2008.
The Pennsylvania Mortgage Lender License and Pennsylvania Exemption Letter (Mortgage Act) are not available for loans with a
closing date before November 5th, 2008.		    
xx 38546579 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 38546579 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 38546579 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 38546579 xx 561 561-882 xx Non-QM QC Complete Ohio xx NPL General Active B * Water/Sewer Taxes (Lvl 3) According to the review of the updated title report dated xx/xx/xxxx, the utilities charge of the year xx are delinquent in  the amount ofxx.    
xx 38546579 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Compliance Ease risk indicator is moderate as loan is failing for TILA Finance charge test.    
xx 38546579 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application/1003 is missing from the loan file.    
xx 38546579 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow acct disclosure is missing from the loan file.    
xx 38546579 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from the loan file.    
xx 38546579 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer disclosure is missing from the loan file.    
xx 38546579 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located at "Ohio" state and this state requires following disclosures and all are missing from the loan file.

Equal Credit Availability Notice
Insurance Tying Disclosure
Non-Deposit Insurance Disclosure		    
xx 38546579 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Title Review Active B * Active State Tax Lien Judgement. (Lvl 2) There is one State Tax lien open against the borrower in the amount of $xx which was recorded on xx    
xx 38546579 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) )
The finance charge is $140,333.66. The disclosed finance charge of $138,910.19 is not considered accurate because it is
understated by more than $100.
TILA Finance Charge test is fail. Loan data is $138,910.19 and alowed amount is $140,333.66. Hence, the variance is -$1,423.47.		    
xx 13193514 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 13193514 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 13193514 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated Business Disclosure is missing from the loan file.    
xx 13193514 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) The initial Disclosure is missing from the loan file.    
xx 13193514 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The notice of servicer disclosure is missing from the loan file.    
xx 13193514 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The available payment history is from date xx/xx/xxxx toxx/xx/xxxx is incomplete. However, we require the last 12 months payment history. The payment history is missing from date toxx/xx/xxxx toxx/xx/xxxx.    
xx 42451195 xx 561 561-882 xx Non-QM QC Complete Vermont xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 42451195 xx 561 561-882 xx Non-QM QC Complete Vermont xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 42451195 xx 561 561-882 xx Non-QM QC Complete Vermont xx Credit Doc Issue Active B * Application Missing (Lvl 2) Application / 1003 is missing from the loan file.    
xx 42451195 xx 561 561-882 xx Non-QM QC Complete Vermont xx Credit Doc Issue Active B * Good Faith Estimate missing or unexecuted (Lvl 2) Final good faith estimate is missing from the loan file.    
xx 42451195 xx 561 561-882 xx Non-QM QC Complete Vermont xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL was not hand dated.    
xx 42451195 xx 561 561-882 xx Non-QM QC Complete Vermont xx Credit Doc Issue Active B * Not all borrowers signed TIL (Lvl 2) Final TIL was not signed by the borrower.    
xx 42451195 xx 561 561-882 xx Non-QM QC Complete Vermont xx Credit Doc Issue Active B * Initial Good Faith Estimate is Missing (Lvl 2) Initial GFE is missing from the loan file.    
xx 42451195 xx 561 561-882 xx Non-QM QC Complete Vermont xx Credit Doc Issue Active B * Initial Truth in Lending Disclosure is Missing (Lvl 2) Initial TIL is missing from the loan file.    
xx 42451195 xx 561 561-882 xx Non-QM QC Complete Vermont xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) Right of rescission is missing from the loan file.    
xx 42451195 xx 561 561-882 xx Non-QM QC Complete Vermont xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The ComplianceEase risk indicator is "Moderate' due to
Vermont Mortgage Lender License Prohibited Fees Test:		    
xx 42451195 xx 561 561-882 xx Non-QM QC Complete Vermont xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan is failed for
Vermont Mortgage Lender License Prohibited Fees Test:
The loan data is $2,845.25 The Comparison data is $0.00 and the Variance is +$2,845.25.		    
xx 4055453 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 4055453 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 4055453 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business disclosure is missing from the loan file.    
xx 4055453 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Legal Docs Doc Issue Active B * Missing Title evidence (Lvl 4) Final title policy at origination is missing from the loan file and there is no commitment and the preliminary report found in the loan file either.    
xx 4055453 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow account disclosure is missing from the loan file.    
xx 4055453 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider disclosures is missing from the loan file.    
xx 4055453 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The Available Payment history from datexx/xx/xxxx to xx/xx/xxxx which is incomplete. However, we require the latest 12 months payment history. The Payment history is missing from datexx/xx/xxxx toxx/xx/xxxx.    
xx 32383599 xx 561 561-882 xx Non-QM QC Complete Missouri xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 32383599 xx 561 561-882 xx Non-QM QC Complete Missouri xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 32383599 xx 561 561-882 xx Non-QM QC Complete Missouri xx Legal Docs Note / Mod Active B * Incorrect Property address on Note Document. (Lvl 2) According to the pro title dated xx/xx/xxxx, the address is xx which is as per Note. But the address on the mortgage is xx which is inconsistent.    
xx 32383599 xx 561 561-882 xx Non-QM QC Complete Missouri xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 32383599 xx 561 561-882 xx Non-QM QC Complete Missouri xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An Appraisal report is missing from the loan file.    
xx 32383599 xx 561 561-882 xx Non-QM QC Complete Missouri xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD-1 is not signed by the borrower and also settlement charges are not provided on document.    
xx 32383599 xx 561 561-882 xx Non-QM QC Complete Missouri xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final Loan Application is missing from the loan file. However, unsigned application was found which is located at "xx". Values are updated from the same application.    
xx 32383599 xx 561 561-882 xx Non-QM QC Complete Missouri xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 32383599 xx 561 561-882 xx Non-QM QC Complete Missouri xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 32383599 xx 561 561-882 xx Non-QM QC Complete Missouri xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is missing from the loan file.    
xx 32383599 xx 561 561-882 xx Non-QM QC Complete Missouri xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by the borrower.    
xx 32383599 xx 561 561-882 xx Non-QM QC Complete Missouri xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) xx     
xx 32383599 xx 561 561-882 xx Non-QM QC Complete Missouri xx Credit Doc Issue Active B * Payment history missing (Lvl 3) The available payment history is from date xx/xx/xxxx toxx/xx/xxxx is incomplete. However, we require the last 12 months payment history. The payment history is missing from date toxx/xx/xxxx toxx/xx/xxxx.    
xx 32383599 xx 561 561-882 xx Non-QM QC Complete Missouri xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the broker fees test due to The loan has DIDMCA preemption selected, collects fees from the borrower that directly compensate the broker and the
sum of all broker fees is greater than 1%.
Origination Fee & Broker Fee Test: FAIL Loan Data $3,162.50 Comparison Data $550.00 Variance +$2,612.50.
This loan failed the origination fee and broker fee test.
The loan does not have DIDMCA preemption selected and the sum of the origination fee and all broker fees is greater than 1%.
Broker Fees Test: FAIL Loan Data $3,162.50 Comparison Data $0.00 Variance +$3,162.50.		    
xx 32383599 xx 561 561-882 xx Non-QM QC Complete Missouri xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA APR test.
The annual percentage rate (APR) is 6.772%. The disclosed APR of 0.000% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.
TILA APR Test: FAIL Loan Data 0.000% Comparison Data 6.772%  Variance -6.772%.		    
xx 32383599 xx 561 561-882 xx Non-QM QC Complete Missouri xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA APR test.
This loan failed the broker fees test.
This loan failed the origination fee and broker fee test.		    
xx 24858114 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 24858114 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 24858114 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Form Disclosure is missing from the loan file.    
xx 24858114 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing Transfer Document is missing from the loan file.    
xx 24858114 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Valuation Active B *  Property value crammed down (Lvl 4) xx     
xx 24858114 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA finance charge test.
This loan failed the TILA foreclosure rescission finance charge test.		    
xx 24858114 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.
TILA Finance Charge Test: FAIL $167,389.12 $167,699.12 -$310.00
The finance charge is $167,699.12. The disclosed finance charge of $167,389.12 is not considered accurate because it is
understated by more than $100.
This loan failed the TILA foreclosure rescission finance charge test.
TILA Foreclosure Rescission Finance Charge Test: FAIL $167,389.12 $167,699.12 -$310.00
The finance charge is $167,699.12. The disclosed finance charge of $167,389.12 is not considered accurate for purposes of
rescission because it is understated by more than $35.		    
xx 24858114 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 40851151 xx 561 561-882 xx Non-QM QC Complete Missouri xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 40851151 xx 561 561-882 xx Non-QM QC Complete Missouri xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 40851151 xx 561 561-882 xx Non-QM QC Complete Missouri xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) According to the updated title report dated xx/xx/xxxx, the chain of assignment has not been completed. The current assignment was done from xx. However, the last assignment was done from xx.    
xx 40851151 xx 561 561-882 xx Non-QM QC Complete Missouri xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 40851151 xx 561 561-882 xx Non-QM QC Complete Missouri xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 40851151 xx 561 561-882 xx Non-QM QC Complete Missouri xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
xx 40851151 xx 561 561-882 xx Non-QM QC Complete Missouri xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 40851151 xx 561 561-882 xx Non-QM QC Complete Missouri xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider document is missing from the loan file.    
xx 40851151 xx 561 561-882 xx Non-QM QC Complete Missouri xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The notice of servicing transfer disclosure is missing from the loan file.    
xx 40851151 xx 561 561-882 xx Non-QM QC Complete Missouri xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) The operative index value unable to determine.    
xx 40851151 xx 561 561-882 xx Non-QM QC Complete Missouri xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The payment history is available from xx/xx/xxxx toxx/xx/xxxx. However,  we required complete 12 months payment history is missing from xx/xx/xxxx toxx/xx/xxxx andxx/xx/xxxx toxx/xx/xxxx.    
xx 40851151 xx 561 561-882 xx Non-QM QC Complete Missouri xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) xx     
xx 40851151 xx 561 561-882 xx Non-QM QC Complete Missouri xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the predatory lending guidance test due to one or more of the following findings:
The loan failed the points and fees test.
The loan exceeds the HOEPA APR threshold for primary residences.
The loan exceeds the HOEPA points and fees threshold for primary residences.
This loan failed the points and fees test.This loan failed the origination fee and broker fee test.		    
xx 40851151 xx 561 561-882 xx Non-QM QC Complete Missouri xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.
This loan failed the points and fees test.
The points and fees charged to the borrower exceed 5% of the mortgage amount, or $1,000 for mortgage amounts of $20,000 or
less.
Note, no more than two "Bona Fide - GSE" discount points are excluded from the calculation of the points and fees for purposes
of this test.
This loan failed the broker fees test due to one or more of the following findings:
The loan has DIDMCA preemption selected, collects fees from the borrower that directly compensate the broker and the
sum of all broker fees is greater than 1%; or
The loan does not have DIDMCA preemption selected and collects broker fees in any amount from both the lender and
the borrower; or
The loan does not have DIDMCA preemption selected and the sum of all broker fees paid by the borrower exceeds 1%;
or
The loan does not have DIDMCA preemption selected or defaulted and the sum of all broker fees paid by the lender
exceeds 1%.
For this loan:
The fees collected from the borrower that directly compensate the broker are $1,222.00;
The fees collected from the lender that directly compensate the broker are $0.00;
The total fees collected from both the borrower and the lender that directly compensate the broker are $1,222.00
This loan failed the origination fee and broker fee test. (MRS §408.052 1.)
The loan does not have DIDMCA preemption selected and the sum of the origination fee and all broker fees is greater than 1%.		    
xx 5956675 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 5956675 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 5956675 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 5956675 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the financed lender fees test. (MN Stat. 58.137)
The loan has financed lender fees that exceed 5% of the loan amount.		    
xx 5956675 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the financed lender fees test:
Loan Data$7,642.26 Comparison Data$7,099.94 Variance+$542.32		    
xx 13845283 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 13845283 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 13845283 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan file.    
xx 13845283 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative Index value is unable to confirm.    
xx 13845283 xx 561 561-882 xx Non-QM QC Complete Washington xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 13845283 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider disclosure is missing from the loan file.    
xx 13845283 xx 561 561-882 xx Non-QM QC Complete Washington xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 13845283 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in WA State and the required disclosures are missing from the loan file as follow.
Mortgage Loan Servicing Disclosure
Choice of Insurance Notice
Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 27211622 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase State Regulations Test Incomplete (Lvl 1)      
xx 27211622 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 27211622 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit DTI Active B * DTI > 60% (Lvl 2) According to final application, borrower total monthly income is xx and total monthly expenses is $4626.83. Hence, DIT is greater than xx%.    
xx 27211622 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Valuation Doc Issue Active B * Appraisal not signed (Lvl 2) Appraisal report is available in the loan file. However, last 5 pages are missing in the loan file.    
xx 27211622 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Good Faith Estimate missing or unexecuted (Lvl 2) Final GFE is missing from the loan file.    
xx 27211622 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan file.    
xx 27211622 xx 561 561-882 xx Non-QM QC Complete North Carolina xx NPL NPL Active B * Payment History is not Complete (Lvl 3) Latest payment history is available from xx/xx/xxxx toxx/xx/xxxx. However, we required latest 12 months payment history. Payment history is missing from thexx/xx/xxxx toxx/xx/xxxx.    
xx 27211622 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Other Disclosures Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosures is missing from the loan file.    
xx 27211622 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Subject property is located at NC state.
Following state disclosure is missing from the loan file.:-
1) Credit Property Insurance Disclosure.
2) Priority of Security Instrument Disclosure.
3) Attorney Selection Disclosure.		    
xx 27211622 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 45632983 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report at the time of origination of the loan is missing from the loan file.    
xx 45632983 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Doc Issue Active B * Good Faith Estimate missing or unexecuted (Lvl 2) The final Good Faith Estimate is missing from the loan file.    
xx 45632983 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The List of service provider is missing from the loan file.    
xx 45632983 xx 561 561-882 xx Non-QM QC Complete South Carolina xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The payment history is available from xx/xx/xxxx toxx/xx/xxxx. However, we require the latest 12 months of payment history. The payment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 45632983 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) xx    
xx 45632983 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Valuation Property Active B * Property is Manufactured Housing (Lvl 2) The Subject property is a “Manufactured Home” and the recorded copy of mortgage is showing the Serial/VIN#xx for Manufactured Home which was made in xx and there is a “Manufactured Home affidavit of affixation” rider is also attached to the recorded copy of mortgage. Final title policy is also showing the ALTA-7 for Manufactured Home.    
xx 45632983 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in South Carolina state. The following required state disclosures are missing from the loan file.
1. Agent Preference Disclosure.
2. Casualty Insurance Disclosure.
3. Manufactured Home Loan  Disclosures.		    
xx 45632983 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed RESPA "Initial Deposit for Your Escrow Account" (1001) Validation Test.    
xx 45632983 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active B * ComplianceEase Exceptions Test Failed (Lvl 2) This loan failed the RESPA "Initial Deposit for Your Escrow Account" (1001) validation test.
The loan provides a value of $211.65 for "Initial Deposit for Your Escrow Account." However, the sum of all component fees,
$106.74, is less than the value entered for "Initial Deposit For Your Escrow Account." There is a difference of $104.91.
Because ComplianceAnalyzer does not accept a value for aggregate adjustment, an amount which is always negative or zero,
the amount in "Initial Deposit for Your Escrow Account" should be greater than or equal to the sum of any "Initial Deposit for Your
Escrow Account" component fees.
If any "Initial Deposit for Your Escrow Account" component fees are provided to ComplianceAnalyzer, then all component fees
(other than aggregate adjustment) that contribute to the total "Initial Deposit for Your Escrow Account" should be provided and
their sum must reflect the total "Initial Deposit for Your Escrow Account." This is necessary in order to correctly calculate the
loan's finance charge and APR.		    
xx 45632983 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 56142128 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 56142128 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 56142128 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 4) xx    
xx 56142128 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 56142128 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) xx    
xx 56142128 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Valuation Property Active B * Property is Manufactured Housing (Lvl 2) Subject Property is Manufactured Home. However, as per documents located at " xx" The unit has been permanently affixed to a foundation having VIN# xx.    
xx 56142128 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) The MI certificate is missing from the loan files.    
xx 19097040 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 19097040 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 19097040 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 19097040 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of servicing transfer document is missing from the loan file.    
xx 19097040 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) Loan type is conventional and LTV is xx its greater than xx. MI certificate is required but not available in the loan file.    
xx 19097040 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 34154112 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 34154112 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 34154112 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Data Edit Data Edit Active B * Excessive Property Damage Noted (Lvl 4) As per comment dated xx/xx/xxxx, the subject property has been damaged due to vandalism and the damage is in the amount of $25K. There is an issue with the insurance company. There are no further comments stating that these damages have been repaired and details regarding the claim.    
xx 34154112 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 34154112 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 34154112 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Valuation Appraisal Active B * Property is vacant (Lvl 3) The comment dated xx/xx/xxxx reflects that the subject property is in vacant secure condition.    
xx 34154112 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 3) This is a conventional loan. LTV at the origination wasxx%. The tape data is reflected MI required. Final 1003 reflect monthly MI in the amount of xx; however, MI certificate is missing in the loan files.    
xx 68409706 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal report is missing from the loan file.    
xx 68409706 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit DTI Active B * DTI > 60% (Lvl 2) As per the unsigned application, the total income of the borrower $3,166.00 and total monthly expenses is $2,376.35. Hence, DTI is greater than 60.00%.    
xx 68409706 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Application Missing (Lvl 2) The final signed application is missing from the loan file. Hence, values are updated from unsigned application.    
xx 68409706 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Application Not Signed by All Borrowers (Lvl 2) The final signed application is missing from the loan file. Hence, values are updated from unsigned application.    
xx 68409706 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Initial Good Faith Estimate is Missing (Lvl 2) The Initial GFE is missing from the loan file.    
xx 68409706 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 68409706 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed PA License Validation Test.    
xx 68409706 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * ComplianceEase Exceptions Test Failed (Lvl 2) This loan failed the Pennsylvania license validation test.
The Pennsylvania HB 2179 requires non-exempt mortgage lenders engaged in the business of making mortgage loans to be
licensed, effective November 5th, 2008.
The Pennsylvania Mortgage Lender License and Pennsylvania Exemption Letter (Mortgage Act) are not available for loans with a
closing date before November 5th, 2008.		    
xx 54404504 xx 561 561-882 xx Non-QM QC Complete Nevada xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 54404504 xx 561 561-882 xx Non-QM QC Complete Nevada xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 54404504 xx 561 561-882 xx Non-QM QC Complete Nevada xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Form Disclosure is missing from the loan file.    
xx 54404504 xx 561 561-882 xx Non-QM QC Complete Nevada xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application is missing from the loan file.    
xx 54404504 xx 561 561-882 xx Non-QM QC Complete Nevada xx Credit Doc Issue Active B * Application Not Signed by All Borrowers (Lvl 2) Final Application is missing from the loan file. However, values are considered from initial application dated xx.    
xx 54404504 xx 561 561-882 xx Non-QM QC Complete Nevada xx Credit Credit Active B * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 is missing from the loan file. However, values are considered from estimated HUD-1 statement.    
xx 54404504 xx 561 561-882 xx Non-QM QC Complete Nevada xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Acct Disclosure is missing from the loan file.    
xx 54404504 xx 561 561-882 xx Non-QM QC Complete Nevada xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing Transfer Document is missing from the loan file.    
xx 54404504 xx 561 561-882 xx Non-QM QC Complete Nevada xx Valuation Property Active B * Property is Vacant (Lvl 3) The comment dated xx/xx/xxxx indicates that the subject property is Vacant Secure. The first time vacant on xx/xx/xxxx.    
xx 54404504 xx 561 561-882 xx Non-QM QC Complete Nevada xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 75465135 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure are missing from the loan file.    
xx 75465135 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan file.    
xx 75465135 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Valuation Valuation Active B * Property Damage (Lvl 3) As per comment dated xx/xx/xxxx, the subject property has loss due to vandalism on xx/xx/xxxx. The nature of damage is not mentioned. The hazard claim was initiated for the same and the approximate claim amount is $6700.00. No further details is mentioned regarding the damages has been repaired and the claim is received by the borrower.    
xx 75465135 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 75465135 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service provider disclosure is missing from the loan file.    
xx 75465135 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Oklahoma state, OK State required total 5 disclosure which is missing from the loan file.
OK Title protection notice
Insurance Disclosure
NSF Fee Disclosure
Over-the-limit fees
Notice of Rights to Obtain a Security Freeze		    
xx 93578124 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 93578124 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 93578124 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 93578124 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 93578124 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 93578124 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is missing from the loan file.    
xx 93578124 xx 561 561-882 xx Non-QM QC Complete Virginia xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) The chain of assignment has been completed. The current assignment is from xx. However some assignments are missing.    
xx 93578124 xx 561 561-882 xx Non-QM QC Complete Virginia xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 93578124 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in VA State. The following state disclosures are missing in the loan files.
Choice of Settlement Agent Disclosure
Copy of Appraisal or Statement of Appraised Value		    
xx 93578124 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 3) This is a conventional loan. LTV at the origination is xx%. The tape data is reflecting MI required. Final 1003 reflect monthly MI in the amount of xx; however, MI certificate is missing in the loan files.    
xx 79212357 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 79212357 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 79212357 xx 561 561-882 xx Non-QM QC Complete Ohio xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 79212357 xx 561 561-882 xx Non-QM QC Complete Ohio xx NPL NPL Active B * POC Deadline is coming soon (Lvl 3) The borrower had filed the bankruptcy under chapter xx with case #xx. According to Deadlines/Hearings, the POC filing deadline was set on xx. However, the POC has not yet been filed.    
xx 79212357 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) The final TIL is not hand dated by the borrower.    
xx 79212357 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.
The finance charge is $142,353.15. The disclosed finance charge of $141,943.15 is not considered accurate because it is
understated by more than $100.
TILA Finance Charge Test: Result FAIL Loan Data $141,943.15 Comparison Data $142,353.15  Variance-$410.00
This loan failed the TILA foreclosure rescission finance charge test.
The finance charge is $142,353.15. The disclosed finance charge of $141,943.15 is not considered accurate for purposes of
rescission because it is understated by more than $35.
TILA Foreclosure Rescission Finance Charge Test:Result FAILLoan Data $141,943.15 Comparison Data $142,353.15 Variance -$410.00		    
xx 79212357 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA finance charge test.
This loan failed the TILA foreclosure rescission finance charge test.		    
xx 58629954 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 58629954 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 58629954 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 58629954 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) xx    
xx 58629954 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit DTI Active B * DTI > 60% (Lvl 2) As per final 1003, the total monthly income of borrower is $9,548.24 which is less than the total monthly expenses $6,310.33. Hence, DTI exceeds 60%.    
xx 58629954 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD-1 is not signed by the borrower.    
xx 58629954 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
xx 58629954 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 58629954 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 43250714 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 43250714 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 43250714 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * ROR Transaction date not consistent with Note and/or HUD (Lvl 2) as per the ROR the ROR transaction date is xx which is one day after the note date, however the note date is xx.    
xx 43250714 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) As per updated title shows that the chain of assignment is not completed. There is  break in assignment chain.    
xx 43250714 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Rvw shows prop. owner of record is not borr. (Lvl 2) xx    
xx 43250714 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Valuation Active B *  Property value crammed down (Lvl 4) xx     
xx 43250714 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 43250714 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Property Active B * Subject property is located in a FEMA designated disaster area (recent). (Lvl 2) The subject property is located in the county where recent FEMA disaster is declared (California wild fires).    
xx 25610012 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 25610012 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 25610012 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from loan file.    
xx 25610012 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Providers disclosure is missing from loan file.    
xx 25610012 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated Business Disclosure is missing from loan file.    
xx 25610012 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 25610012 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.
The finance charge is $213,889.06. The disclosed finance charge of $211,630.51 is not considered accurate because it is
understated by more than $100.		    
xx 25610012 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) TILA Finance Charge Test: FAIL $211,630.51 $213,889.06 -$2,258.55.    
xx 48831062 xx 561 561-882 xx Non-QM QC Complete Oregon xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 48831062 xx 561 561-882 xx Non-QM QC Complete Oregon xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 48831062 xx 561 561-882 xx Non-QM QC Complete Oregon xx Legal Docs Legal Docs Active B * Updated title review shows IRS / vehicle / federal / personal tax liens (Lvl 2) According to the Updated title report dated xx/xx/xxxx, there are two IRS liens against xx:
First in the amount of $xx which was recorded on xx.
Second in the amount of $xx which was recorded on xx.
However, the SSN # is matching with the borrower SSN #.		    
xx 48831062 xx 561 561-882 xx Non-QM QC Complete Oregon xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 48831062 xx 561 561-882 xx Non-QM QC Complete Oregon xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by the borrower.    
xx 48831062 xx 561 561-882 xx Non-QM QC Complete Oregon xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) The LTV is xx % as per the appraisal report; however, we required the PMI certificate.    
xx 48831062 xx 561 561-882 xx Non-QM QC Complete Oregon xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comments are available from xx/xx/xxxx toxx/xx/xxxx; however, we require the latest 24 months servicing comments. The servicing comments are missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 37663953 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal is missing from the loan file.    
xx 37663953 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final Applictaion is missing from the loan file.    
xx 37663953 xx 561 561-882 xx Non-QM QC Complete California xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD1 is missing from the loan file.    
xx 37663953 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 37663953 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Title Issue Active B * Title issue (Lvl 3) ISAOA / It's successors and or assigns clause is missing in final title policy. Terms and conditions sheet is neither available with final title policy for checking 12C clause.    
xx 37663953 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Property Active B * Property Damage (Lvl 2) The comment dated xx/xx/xxxx &xx/xx/xxxx indicate that the property had damaged due to wind with hail on xx/xx/xxxx and the loss draft was received on xx/xx/xxxx in the amount of $55,047.95 from All State check #xx. No BPO and inspection reports are provided.    
xx 37663953 xx 561 561-882 xx Non-QM QC Complete California xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The payment history is available from xx/xx/xxxx toxx/xx/xxxx; however, we require the latest 12 months payment history. The payment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 94709230 xx 561 561-882 xx Non-QM QC Complete Mississippi xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 94709230 xx 561 561-882 xx Non-QM QC Complete Mississippi xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal report is missing from the loan file.    
xx 94709230 xx 561 561-882 xx Non-QM QC Complete Mississippi xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The Payment History is missing from xx/xx/xxxx toxx/xx/xxxx as we required latest 12 months complete payment history however the information is updated from the prior payment history available from xx/xx/xxxx toxx/xx/xxxx.    
xx 3554829 xx 561 561-882 xx Non-QM QC Complete West Virginia xx Data Edit Data Edit Active B * Foreclosure Delay or Contested (Lvl 3) According to servicing comment dated xx/xx/xxxx, foreclosure is contested by borrower. however, there is no information found that matter is resolved or not.    
xx 3554829 xx 561 561-882 xx Non-QM QC Complete West Virginia xx Credit Other Disclosures Active B * Change of Circumstance does not provide the name of the person and/or signature of the person who completed the document. (Lvl 2) According to updated title report xx/xx/xxxx,  subject property vesting (Warranty Deed) in the name of "xx" which was recorded on xx. However , the subject mortgage which was recorded on xx.    
xx 3554829 xx 561 561-882 xx Non-QM QC Complete West Virginia xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Form Disclosure is missing from the loan file.    
xx 3554829 xx 561 561-882 xx Non-QM QC Complete West Virginia xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan file.    
xx 3554829 xx 561 561-882 xx Non-QM QC Complete West Virginia xx Credit Title Review Active B * Active Judgment Against Borrower (Lvl 3) As per updated title report dated xx/xx/xxxx, there is child support lien judgment against the borrower found open in the amount of $xx favor of xx    
xx 3554829 xx 561 561-882 xx Non-QM QC Complete West Virginia xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application is missing from the loan file.    
xx 3554829 xx 561 561-882 xx Non-QM QC Complete West Virginia xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 is missing from the loan file. Also, there is no estimated HUD-1 or itemizations are available in the loan file.    
xx 3554829 xx 561 561-882 xx Non-QM QC Complete West Virginia xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 3554829 xx 561 561-882 xx Non-QM QC Complete West Virginia xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 3554829 xx 561 561-882 xx Non-QM QC Complete West Virginia xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 3554829 xx 561 561-882 xx Non-QM QC Complete West Virginia xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing Transfer Document is missing from the loan file.    
xx 99041456 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 99041456 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 99041456 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan file.    
xx 99041456 xx 561 561-882 xx Non-QM QC Complete South Carolina xx NPL NPL Active B * Payment History is not Complete (Lvl 3) Payment history is available from xx/xx/xxxx toxx/xx/xxxx, however, payment history is missing from xx/xx/xxxx toxx/xx/xxxx. As we require latest 12 months payment history for review.    
xx 99041456 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The subject Property is located in SC state. The following required state disclosures are missing from the loan file.
1. Agent Preference Disclosure.
2. Casualty Insurance Disclosure.
3. Manufactured Home Loan  Disclosures.		    
xx 99041456 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Legal Docs Doc Issue Active B * Title policy missing (Lvl 3) Title commitment is located at xx", however, final title policy is missing from the loan file.    
xx 13405043 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 13405043 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 13405043 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 13405043 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Application Missing (Lvl 2) Application is missing from the loan file.    
xx 13405043 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan file.    
xx 13405043 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 13405043 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is missing from the loan file.    
xx 13405043 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Maryland. The following disclosures are missing from the loan file:
Affidavit of Consideration
Affidavit of Disbursement
First Time Buyers Affidavit
Notice of Right to Select Attorney, Title Insurance Company and Settlement Agent Disclosure
Balloon Payment
No Escrow Account
Mandatory Binding Arbitration Disclosures
Home Buyer Education and Counseling Disclosure.		    
xx 13405043 xx 561 561-882 xx Non-QM QC Complete Maryland xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 13405043 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA foreclosure rescission finance charge test.    
xx 13405043 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA foreclosure rescission finance charge test.The finance charge is $484,645.67. The disclosed finance charge of $484,596.17 is not considered accurate for purposes of rescission because it is understated by more than $35.
TILA Foreclosure Rescission Finance Charge Test: FAIL Loan Data $484,596.17 Comparison Data $484,645.67Variance -$49.50.		    
xx 5166679 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 5166679 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 5166679 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 5166679 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Valuation Property Active B * Property is Vacant (Lvl 3) The comment dated xx/xx/xxxx shows that the subject property was vacant secured.    
xx 5166679 xx 561 561-882 xx Non-QM QC Complete South Carolina xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The payment history is available from xx/xx/xxxx toxx/xx/xxxx; however, we require the latest 12 months payment history. The payment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 17819259 xx 561 561-882 xx Non-QM QC Complete Missouri xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 17819259 xx 561 561-882 xx Non-QM QC Complete Missouri xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Form is missing from the loan file.    
xx 17819259 xx 561 561-882 xx Non-QM QC Complete Missouri xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) Document Preparation Fee Test: FAIL Loan Data $17.25 Comparison Data $0.00 Variance +$17.25
Charging a fee for preparation of loan documents constitutes unauthorized practice of law and violates a plain reading of §
484.010 and 484.020.		    
xx 17819259 xx 561 561-882 xx Non-QM QC Complete Missouri xx Credit Doc Issue Active B * Good Faith Estimate missing or unexecuted (Lvl 2) Final GFE is missing from the loan file.    
xx 17819259 xx 561 561-882 xx Non-QM QC Complete Missouri xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan file.    
xx 17819259 xx 561 561-882 xx Non-QM QC Complete Missouri xx Credit Doc Issue Active B * Initial Good Faith Estimate is Missing (Lvl 2) Initial GFE is missing from the loan file.    
xx 17819259 xx 561 561-882 xx Non-QM QC Complete Missouri xx NPL NPL Active B * Payment History is not Complete (Lvl 3) Payment history is available from xx/xx/xxxx to xx/xx/xxxx; as we require a recent 12 months payment history. However, the payment history is missing from xx/xx/xxxx to xx/xx/xxxx and from xx/xx/xxxx toxx/xx/xxxx.    
xx 17819259 xx 561 561-882 xx Non-QM QC Complete Missouri xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing Transfer Document is missing from the loan file.    
xx 17819259 xx 561 561-882 xx Non-QM QC Complete Missouri xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The List of service provider is missing from the loan file.    
xx 17819259 xx 561 561-882 xx Non-QM QC Complete Missouri xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) xx     
xx 17819259 xx 561 561-882 xx Non-QM QC Complete Missouri xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 3) This is a conventional loan. LTV at the origination was xx%. The tape data is reflected MI required. Final 1003 reflects monthly MI in the amount of xx; however, MI certificate is missing in the loan files.    
xx 17819259 xx 561 561-882 xx Non-QM QC Complete Missouri xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the document preparation fee test.    
xx 91651548 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 91651548 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 91651548 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business disclosure is missing from the loan file.    
xx 91651548 xx 561 561-882 xx Non-QM QC Complete Virginia xx NPL General Active B * Water/Sewer Taxes (Lvl 3) According to the review of the updated title report dated xx/xx/xxxx, the utilities charge of the year xx are delinquent in  the amount ofxx.    
xx 91651548 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow account disclosure is missing from the loan file.    
xx 91651548 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider disclosures is missing from the loan file.    
xx 91651548 xx 561 561-882 xx Non-QM QC Complete Virginia xx Legal Docs Note / Mod Active B * Lost Note Affidavit (Lvl 3) Lost note affidavit dated xx/xx/xxxx was found at location ” xx” Copy of Note is also available in the file.    
xx 91651548 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing Transfer document is missing from the loan file.    
xx 91651548 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 91651548 xx 561 561-882 xx Non-QM QC Complete Virginia xx Modification Doc Issue Active B * Loan appears modified. Mod missing or unexecuted (Lvl 3) The copy of modification agreement is available in the loan file. However, it was not executed by the borrower.    
xx 91651548 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in VA State and the Virginia state requires total 4 disclosures, all are missing from the loan file.
1) Choice of Settlement Agent Disclosure
2) Disclosure of Charges For Appraisal or Valuation
3) Copy of Appraisal or Statement of Appraised Value
4) Affiliated Business Disclosure		    
xx 40837185 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 40837185 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 40837185 xx 561 561-882 xx Non-QM QC Complete Maryland xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 411869 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 411869 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 411869 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2)      
xx 411869 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index numerical value is unavailable as the supportive documents such as Loan program disclosure/Rate lock agreement/Closing instruction are missing from the loan file.    
xx 411869 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) The initial escrow acct disclosure is missing from the loan file.    
xx 411869 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The Notice of Transfer is missing from the loan file.    
xx 411869 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Required Affiliated Business Disclosure is missing from the loan file.    
xx 99578951 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 99578951 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 99578951 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Doc Issue Active B * Application Missing (Lvl 2) Application/1003 is missing from the loan file. However values are updtaed from transmittal summary located at("xx").    
xx 99578951 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index value is unable to determine from the available loan file.    
xx 99578951 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) Right of rescission is missing from the loan file.    
xx 99578951 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA right of rescission test.    
xx 99578951 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA Right of Rescission Test: FAIL
This loan failed the TILA right of rescission test.
The funding date is before the third business day following consummation.
The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the
notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last.		    
xx 4987823 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 4987823 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 4987823 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Title Review Active B * Title Review shows lien by DOJ_Department of Justice (Lvl 4) As per the Updated Title dated xx/xx/xxxx, there is an active DOJ lien against the subject property which was recorded on xx. If the payment becomes past due, penalties totaling up to 25% of the principal amount past due may arise. However the borrower date of birth and SSN# of the borrower does not mentioned on the document.    
xx 4987823 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 4987823 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 4987823 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider document is missing from the loan file.    
xx 4987823 xx 561 561-882 xx Non-QM QC Complete Arizona xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 4987823 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.
The finance charge is $39,793.72. The disclosed finance charge of $38,332.68 is not considered accurate because it is
understated by more than $100.
TILA Finance Charge Test: Loan Data : $38,332.68, Comparison Data: $39,793.72, Variance : -$1,461.04
This loan failed the TILA APR test.
The annual percentage rate (APR) is 5.079%. The disclosed APR of 4.875% is not considered accurate because it is more than
1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.
TILA APR Test: Loan Data : 4.875%, Comparison data :5.079%, Variance : -0.204%		    
xx 4987823 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA finance charge test.
This loan failed the TILA APR test.		    
xx 76157461 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 76157461 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by the borrower.    
xx 76157461 xx 561 561-882 xx Non-QM QC Complete Georgia xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The payment history is not complete. We require latest 12 months payment history. It is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 27794456 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 27794456 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 27794456 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Application Missing (Lvl 2) The Final Application is not executed by the borrower.    
xx 27794456 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Application Not Signed by All Borrowers (Lvl 2) The Final Application is not executed by the borrower.    
xx 27794456 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 66858054 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 66858054 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 66858054 xx 561 561-882 xx Non-QM QC Complete Michigan xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 66858054 xx 561 561-882 xx Non-QM QC Complete Michigan xx Legal Docs Doc Issue Active B * Missing proof of hazard insurance (Lvl 2) Missing proof of hazard evidence in the loan file.    
xx 66858054 xx 561 561-882 xx Non-QM QC Complete Michigan xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated Business Disclosure is Missing in the loan file.    
xx 66858054 xx 561 561-882 xx Non-QM QC Complete Michigan xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The payment history is not complete. We require latest 12 months payment history. It is missing from xx/xx/xxxx toxx/xx/xxxx and xx/xx/xxxx to xx/xx/xxxx.    
xx 66858054 xx 561 561-882 xx Non-QM QC Complete Michigan xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) The Right of Rescission is missing from the loan file.    
xx 66858054 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA finance charge test and TILA foreclosure rescission finance charge test.    
xx 66858054 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA finance charge test: Loan Data:$90,019.45 Comparison Data:$90,237.53 Variance:-$218.08    
xx 74054389 xx 561 561-882 xx Non-QM QC Complete Missouri xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 74054389 xx 561 561-882 xx Non-QM QC Complete Missouri xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 74054389 xx 561 561-882 xx Non-QM QC Complete Missouri xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) According to the review of the updated title report dated xx/xx/xxxx, there are three active water/Sewer liens against the subject property in the combined amount of $ $xx in the favor of xx respectively. The subject property is in “Missouri” (Super Lien) State and there can be a possibility of the foreclosure due to these non-mortgage liens. This can be cured by paying these liens with late charges and penalties.    
xx 74054389 xx 561 561-882 xx Non-QM QC Complete Missouri xx Credit DTI Active B * DTI > 60% (Lvl 2) As per 1003 , the total monthly income is in the amount of $1,993.00 and the total monthly expenses are in the amount of $1,209.22. Hence, the DTI is calculated as 60.673% which is exceeding 60% DTI limit.    
xx 74054389 xx 561 561-882 xx Non-QM QC Complete Missouri xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 74054389 xx 561 561-882 xx Non-QM QC Complete Missouri xx Credit Doc Issue Active B * Application Missing (Lvl 2) The Final Application is missing from the loan file. The values are updated from Initial Application located at "xx".    
xx 74054389 xx 561 561-882 xx Non-QM QC Complete Missouri xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) The Final TIL is missing from the loan file.    
xx 74054389 xx 561 561-882 xx Non-QM QC Complete Missouri xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 74054389 xx 561 561-882 xx Non-QM QC Complete Missouri xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the first lien prohibited fees test.
Prohibited Fees First Lien Test: Loan Data  $450.00 Comparison Data $0.00 Variance +$450.00

This loan failed the broker fees test.
Broker Fees Test: Loan Data $2,659.38 Comparison Data $0.00 Variance +$2,659.38

This loan failed the origination fee and broker fee test.
Origination Fee & Broker Fee Test: FAIL $2,659.38 $728.00 +$1,931.38		    
xx 74054389 xx 561 561-882 xx Non-QM QC Complete Missouri xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA APR test.
This loan failed the first lien prohibited fees test.
This loan failed the broker fees test.
This loan failed the origination fee and broker fee test.		    
xx 74054389 xx 561 561-882 xx Non-QM QC Complete Missouri xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA APR test.
TILA APR Test: Loan Data 0.000% Comparison Data 7.686% Variance -7.686%.		    
xx 86908813 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 86908813 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 86908813 xx 561 561-882 xx Non-QM QC Complete Georgia xx Valuation Appraisal Active B * Property is vacant (Lvl 3) As per the servicing comments dated xx/xx/xxxx the subject property is found to be vacant.    
xx 86908813 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 86908813 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 is missing form the loan file.    
xx 86908813 xx 561 561-882 xx Non-QM QC Complete Georgia xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD1 is not signed by the borrower.    
xx 86908813 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Following state disclosures are missing from the loan file.
1. Waiver of Borrowers Right sand Closing Attorney Affidavit (not required by law but provided as a matter of custom)
2. Disclosure of Additional Fees		    
xx 86908813 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 86908813 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider disclosure is missing from the loan file.    
xx 86908813 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of service transfer disclosure is missing from the loan file.    
xx 86908813 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from the loan file.    
xx 61251231 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 61251231 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 61251231 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Compliance Ease Risk Indicator is moderate as the loan is failing for TILA APR test : Charged 0.000%  Allowed 8.958% Over By -8.958.    
xx 61251231 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) Compliance Ease Risk Indicator is moderate as the loan is failing for TILA APR test : Charged 0.000%  Allowed 8.958% Over By -8.958.
This loan failed the TILA APR test. ( 12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4) )
The annual percentage rate (APR) is 8.958%. The disclosed APR of 0.000% is not considered accurate because it is more than
1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.		    
xx 61251231 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
xx 61251231 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) final TIL is missing from the loan file.    
xx 61251231 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Legal Docs Doc Issue Active B * Title policy missing (Lvl 3) Final title policy at the time of origination is missing from the loan file; however Title Commitment is available in the file, values are updated as per the Title Commitment.    
xx 61251231 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider disclosure is missing from the loan file.    
xx 61251231 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from the loan file.    
xx 1897820 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 1897820 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 1897820 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) Application Fee Test: FAIL Loan Data $450.00 Comparison Data $100.00 Variance +$350.00
This loan failed the application fee test.		    
xx 1897820 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application is missing from the loan file.    
xx 1897820 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 1897820 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the application fee test.    
xx 38758998 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Valuation LTV Active B * LTV or CLTV exceeds 104% (Lvl 2) An appraisal report is missing from the loan file and the loan amount xx  has been considered as appraised value. Hence, the LTV/CLTV exceeds xx%.    
xx 38758998 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal report is missing from the loan file.    
xx 38758998 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit DTI Active B * DTI > 60% (Lvl 2) As per 1003 dated xx/xx/xxxx, the total monthly income is in the amount of $5,400.00 and the total monthly expenses are in the amount of $4,177.35. Hence, the DTI is calculated as 77.358% which is exceeding 60% DTI limit.    
xx 38758998 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase risk indicator shows as moderate due to TILA finance charge test, Pennsylvania license validation test.    
xx 38758998 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) The final HUD1 is not signed by the borrower.    
xx 38758998 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 38758998 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * ComplianceEase Exceptions Test Failed (Lvl 2) This loan failed the Pennsylvania license validation test.
The Pennsylvania HB 2179 requires non-exempt mortgage lenders engaged in the business of making mortgage loans to be licensed, effective November 5th, 2008.
The Pennsylvania Mortgage Lender License and Pennsylvania Exemption Letter (Mortgage Act) are not available for loans with a closing date before November 5th, 2008.		    
xx 38758998 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.
The finance charge is $81,396.48. The disclosed finance charge of $81,133.18 is not considered accurate because it is understated by more than $100.		    
xx 290787 xx 561 561-882 xx QM QC Complete Ohio xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 290787 xx 561 561-882 xx QM QC Complete Ohio xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file    
xx 290787 xx 561 561-882 xx QM QC Complete Ohio xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report at the time of origination of the loan is missing from the loan file.    
xx 290787 xx 561 561-882 xx QM QC Complete Ohio xx Compliance Compliance Active B * Homeownership Counselling Disclosure is missing. (Lvl 2) Homeownership counseling disclosure is missing from the loan file.    
xx 290787 xx 561 561-882 xx QM QC Complete Ohio xx Credit Doc Issue Active B * Initial Good Faith Estimate is Missing (Lvl 2) Initial GFE is missing from the loan file.    
xx 290787 xx 561 561-882 xx QM QC Complete Ohio xx Credit Doc Issue Active B * Initial Truth in Lending Disclosure is Missing (Lvl 2) Initial TIL is missing from the loan file.    
xx 290787 xx 561 561-882 xx QM QC Complete Ohio xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of service transfer disclosure is missing from the loan file.    
xx 290787 xx 561 561-882 xx QM QC Complete Ohio xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The comment history is available from xx/xx/xxxx toxx/xx/xxxx. However, latest 24 months comment history is required. The comment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 290787 xx 561 561-882 xx QM QC Complete Ohio xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 5400662 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 5400662 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 5400662 xx 561 561-882 xx Non-QM QC Complete Maryland xx Legal Docs Title Issue Active B * Title issue (Lvl 3) xx    
xx 5400662 xx 561 561-882 xx Non-QM QC Complete Maryland xx Valuation Property Active B * Property Damage (Lvl 2) According to servicing comment dated xx/xx/xxxx, subject property is damage. There is need to repair plumbing/ sewage the property. The latest servicing comment dated xx/xx/xxxx shows borrower had replace pipes and draining. The estimated cost of repair unable to confirmed from the servicing comment. The latest servicing comment does not show that repair is completed or not.    
xx 5400662 xx 561 561-882 xx Non-QM QC Complete Maryland xx Legal Docs Legal Docs Active B * Updated title review shows IRS / vehicle / federal / personal tax liens (Lvl 2) According to updated title report dated xx/xx/xxxx, there is one IRS lien pending against the borrower xx.    
xx 5400662 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 5400662 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 5400662 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Other Disclosures Active B * Missing Required Disclosures (Lvl 2) List of service providers Disclosure is missing from the loan file.    
xx 5400662 xx 561 561-882 xx Non-QM QC Complete Maryland xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 5400662 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the prepayment term test.    
xx 5400662 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the prepayment term test.
According to note there is prepayment term for the 36 months is initiated  which is compared with 0months and variance is 36 months.
The loan has a prepayment term that does not conform to the requirements for the lenders license type in the state where the
property is located.		    
xx 33178555 xx 561 561-882 xx Non-QM QC Complete New Hampshire xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 33178555 xx 561 561-882 xx Non-QM QC Complete New Hampshire xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 33178555 xx 561 561-882 xx Non-QM QC Complete New Hampshire xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 33178555 xx 561 561-882 xx Non-QM QC Complete New Hampshire xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 33178555 xx 561 561-882 xx Non-QM QC Complete New Hampshire xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal report is missing is missing from the loan file.    
xx 33178555 xx 561 561-882 xx Non-QM QC Complete New Hampshire xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase risk indicator shows moderate due to TILA APR Test failed.    
xx 33178555 xx 561 561-882 xx Non-QM QC Complete New Hampshire xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
xx 33178555 xx 561 561-882 xx Non-QM QC Complete New Hampshire xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 33178555 xx 561 561-882 xx Non-QM QC Complete New Hampshire xx Legal Docs Doc Issue Active B * Missing Title evidence (Lvl 4) Final title policy is missing from the loan file along with title commitment and preliminary title report.    
xx 33178555 xx 561 561-882 xx Non-QM QC Complete New Hampshire xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 33178555 xx 561 561-882 xx Non-QM QC Complete New Hampshire xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of servicer providers document is missing from the loan file.    
xx 33178555 xx 561 561-882 xx Non-QM QC Complete New Hampshire xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 33178555 xx 561 561-882 xx Non-QM QC Complete New Hampshire xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer disclosure is missing from the loan file.    
xx 33178555 xx 561 561-882 xx Non-QM QC Complete New Hampshire xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in state of New Hampshire. Following state disclosures is missing from the loan file.  
Deleted because compliance with Reg Z will satisfy obligation		    
xx 33178555 xx 561 561-882 xx Non-QM QC Complete New Hampshire xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA APR test. ( 12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4) )
The annual percentage rate (APR) is 5.961%. The disclosed APR of 0.000% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.		    
xx 40593934 xx 561 561-882 xx Non-QM QC Complete Arkansas xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 40593934 xx 561 561-882 xx Non-QM QC Complete Arkansas xx Credit Doc Issue Active B * Good Faith Estimate missing or unexecuted (Lvl 2) Final GFE is missing from the loan file.    
xx 40593934 xx 561 561-882 xx Non-QM QC Complete Arkansas xx Credit Doc Issue Active B * Initial Truth in Lending Disclosure is Missing (Lvl 2) Initial TIL is missing from the loan file.    
xx 40593934 xx 561 561-882 xx Non-QM QC Complete Arkansas xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 3) MI certificate is missing from the loan file.    
xx 40593934 xx 561 561-882 xx Non-QM QC Complete Arkansas xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 40593934 xx 561 561-882 xx Non-QM QC Complete Arkansas xx Credit DTI Active B * DTI > 60% (Lvl 2) The monthly income of the borrower is $6,857.00 and monthly expenses are $5,287.99, hence the DTI ratio is 77.118%.    
xx 67673494 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 67673494 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 67673494 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal Report is missing from the loan file.    
xx 67673494 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Credit Active B * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final copy of HUD-1 is missing in the loan file.The points & fees are updated as per the itemization located at ("xx").    
xx 67673494 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) Right of Rescission is missing from the loan file.    
xx 67673494 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The available payment history is from xx/xx/xxxx toxx/xx/xxxx, as we required latest 12 months payment history. The payment history is missing formxx/xx/xxxx toxx/xx/xxxx.    
xx 43382508 xx 561 561-882 xx Non-QM QC Complete Georgia xx Valuation Valuation Active B *  Property value crammed down (Lvl 4) xx     
xx 67338702 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 67338702 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 67338702 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business is missing from the loan file.    
xx 67338702 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Doc Issue Active B * Missing flood cert (Lvl 2) Flood Certificate is missing from the loan file.    
xx 67338702 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Account disclosure is missing from the loan file.    
xx 67338702 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) MI certificate is missing from the loan file.    
xx 67338702 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer is missing from the loan file.    
xx 67338702 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 67338702 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) xx    
xx 67338702 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 67338702 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 39238096 xx 561 561-882 xx Non-QM QC Complete Arkansas xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 39238096 xx 561 561-882 xx Non-QM QC Complete Arkansas xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 39238096 xx 561 561-882 xx Non-QM QC Complete Arkansas xx NPL NPL Active B * Payment History is not Complete (Lvl 3) “The latest payment history is available from xx/xx/xxxx to xx/xx/xxxx. However, we required complete 12 months payment history; the payment history is missing from xx/xx/xxxx to xx/xx/xxxx.”    
xx 39238096 xx 561 561-882 xx Non-QM QC Complete Arkansas xx NPL NPL Active B * POC Deadline is coming soon (Lvl 3) As per the Pacer search for POC deadlines, The POC deadline due date was set for xx, however the POC has been filed by the lender on xx, hence the POC bar date has been passed.    
xx 39238096 xx 561 561-882 xx Non-QM QC Complete Arkansas xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by borrower.    
xx 39238096 xx 561 561-882 xx Non-QM QC Complete Arkansas xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider is missing from loan file.    
xx 39238096 xx 561 561-882 xx Non-QM QC Complete Arkansas xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated Business Disclosure is missing from the loan file.    
xx 39238096 xx 561 561-882 xx Non-QM QC Complete Arkansas xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 39238096 xx 561 561-882 xx Non-QM QC Complete Arkansas xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in AR State; however, required state disclosure 'Choice of Insurance Disclosure' is missing from loan file.    
xx 32817332 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 32817332 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 32817332 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 32817332 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An Appraisal report is missing in the given loan file.    
xx 32817332 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Legal Docs Title Issue Active B * Title issue (Lvl 3) xx    
xx 32817332 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow account disclosure is missing from the loan file.    
xx 32817332 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) Liost of service providers is missing from the loan file.    
xx 32817332 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer disclosure is missing from the loan file.    
xx 32817332 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The ComplinceEase risk  indicator is "Moderate" due to
TILA APR Test:		    
xx 32817332 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) The Final TIL is missing from the given loan file.    
xx 32817332 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This Loan is failed for
TILA APR Test:
The Loan data is 0.000% 6.482% - The comparison data is 6.482% and the variance is -6.482%		    
xx 71856686 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 71856686 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 71856686 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 71856686 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 71856686 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan file.    
xx 71856686 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 71856686 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) The final TIL is missing from the loan files.    
xx 71856686 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in New Jersey State. The following disclosures are missing from the loan file:
NJ Application Disclosure
Delivery Fee Authorization
NJ Attorney Disclosure
Unacceptability of Insurance Notice
Attorney Disclosure II
Tax Bill Information
Private Well Testing
Lock-In Agreement
Commitment Disclosures
Choice of Insurer Disclosure
Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application.		    
xx 71856686 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA APR test.
The annual percentage rate (APR) is 7.279%. The disclosed APR of 0.000% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.		    
xx 71856686 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA APR test.
The annual percentage rate (APR) is 7.279%. The disclosed APR of 0.000% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.
TILA APR Test: Result FAIL Loan Data 0.000% Comparison Data 7.279% Variance -7.279%.		    
xx 7559158 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 7559158 xx 561 561-882 xx Non-QM QC Complete Florida xx NPL General Active B * Describe the BK payment plan (Lvl 3) xx    
xx 7559158 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
xx 7559158 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan file.    
xx 7559158 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 7559158 xx 561 561-882 xx Non-QM QC Complete Florida xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The available payment history is from xx/xx/xxxx toxx/xx/xxxx and as we require recent 12 months payment history; as of xx/xx/xxxx. So the required payment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 7559158 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 7559158 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Florida State. The following disclosures are missing from the loan file:
Anti-Coercion Notice
Title Insurance Disclosure
Radon Gas Disclosure
Insurance Sales Disclosure.		    
xx 23335742 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 23335742 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) The appraisal report is missing from the loan file.    
xx 23335742 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) The final HUD-1 along with the estimated HUD-1 and itemization are missing from the loan file.    
xx 23335742 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Credit Doc Issue Active B * Application Missing (Lvl 2) The final loan application is missing from the loan file.    
xx 23335742 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) The final TIL is missing from the loan file.    
xx 23335742 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) The ROR is missing from the loan file.    
xx 97995276 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 97995276 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 97995276 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit DTI Active B * DTI > 60% (Lvl 2) According to final application the total monthly income of the borrower is xx; however, total monthly expenses of the borrower are in the amount of $3,727.02. Hence, DTI is xx% which is greater than xx%.    
xx 97995276 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 97995276 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 97995276 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) xx     
xx 97995276 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated Business Disclosure is missing from the loan file.    
xx 97995276 xx 561 561-882 xx Non-QM QC Complete Texas xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 53592949 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 53592949 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 53592949 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file    
xx 53592949 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Data Edit Data Edit Active B * Deceased Borrower(s) (Lvl 3) According to the updated title report dated xx/xx/xxxx, the borrower,xx was deceased on xx. However, no details regarding the death certificate or probate has been found in the collection comments.

.		    
xx 53592949 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider is missing from the loan file.    
xx 53592949 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer is missing from the loan file.    
xx 53592949 xx 561 561-882 xx Non-QM QC Complete Louisiana xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The available payment history is from xx/xx/xxxx to xx/xx/xxxx, as we required latest 12 months payment history. The payment history is missing form xx/xx/xxxx toxx/xx/xxxx.    
xx 53592949 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Credit Title Review Active B * Title Rvw shows prop. owner of record is not borr. (Lvl 2) xx    
xx 53592949 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Louisiana State. The state disclosures missing from the loan file are:
Authorization Fees, Charges and Expenses for Federally Related Mortgage Loans
Anti-Tying Disclosure
Financial Institution Choice of Insurance Disclosure		    
xx 89162001 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 89162001 xx 561 561-882 xx Non-QM QC Complete Michigan xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report at the time of loan origination is missing from loan file.    
xx 89162001 xx 561 561-882 xx Non-QM QC Complete Michigan xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 89162001 xx 561 561-882 xx Non-QM QC Complete Michigan xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) xx    
xx 89162001 xx 561 561-882 xx Non-QM QC Complete Michigan xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 2) xx    
xx 89162001 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) CE risk indicator us moderate due to,
1. This loan failed the TILA finance charge test.
2. This loan failed the TILA foreclosure rescission finance charge test.		    
xx 89162001 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) CE TILA test failed due to,

This loan failed the TILA finance charge test.
The finance charge is $87,267.29. The disclosed finance charge of $86,712.29 is not considered accurate because it is understated by more than $100.
This loan failed the TILA foreclosure rescission finance charge test.
The finance charge is $87,267.29. The disclosed finance charge of $86,712.29 is not considered accurate for purposes of rescission because it is understated by more than $35.		    
xx 89162001 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider is missing from loan file.    
xx 89162001 xx 561 561-882 xx Non-QM QC Complete Michigan xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated Business disclosure is missing from the loan file.    
xx 89162001 xx 561 561-882 xx Non-QM QC Complete Michigan xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 89162001 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in MI State; however, required 'Choice of Insurance Agent' state disclosure is missing from loan file.    
xx 16101093 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 16101093 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 16101093 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit DTI Active B * DTI > 60% (Lvl 2) DTI is exceeded the threshold as borrower's income per final 1003 is $3,287.07 and total expenses are in the amount of $11,079.50 and no transmittal or AUS are available in the loan file to confirm the exact amount of income and liabilities of borrower.    
xx 16101093 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) TIL was not hand dated by borrower.    
xx 8205012 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 8205012 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 8205012 xx 561 561-882 xx Non-QM QC Complete New Jersey xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The payment history is available from xx/xx/xxxx till xx/xx/xxxx, we require 12 months of recent payment history, missing the payment history from xx/xx/xxxx till xx/xx/xxxx.    
xx 8205012 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit DTI Active B * DTI > 60% (Lvl 2) The total is 4809.61 and expenses are $4286.71, hence the DTI mor than 60%.    
xx 8205012 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test.
A person licensed as a mortgage broker shall have the right to charge only the following fees: (1) application fee; and (2) discount points which may be labeled as an origination fee.		    
xx 8205012 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.
The finance charge is $604,925.55. The disclosed finance charge of $604,390.45 is not considered accurate because it is understated by more than $100.
Loan Data is: $604,390.45, Comparison Data is:$604,925.55; hence, variance is: -$535.10.		    
xx 8205012 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA finance charge test.
This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test.		    
xx 84278347 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 84278347 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 83661725 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 83661725 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 83661725 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Doc Issue Active B * Final TIL Date after actual transaction date (Lvl 3)      
xx 83661725 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 3)      
xx 83661725 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An Appraisal report is missing in the given loan file.    
xx 83661725 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit DTI Active B * DTI > 60% (Lvl 2) As per Final Application, the total monthly income is in the amount of $3,851.47 and the total monthly expenses are in the amount of $2,385.18. The monthly income  is less than expenses.    
xx 83661725 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase risk indicator is moderate as the loan is failing for TILA Finance Charge Test.    
xx 83661725 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Credit Active B * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 is missing from the loan file; however, values are taken from initial HUD-1 located at (xx)    
xx 83661725 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing in the loan file.    
xx 83661725 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test as;
TILA Finance Charge Test: FAIL $168,440.61 $168,592.33 -$151.72
The finance charge is $168,592.33. The disclosed finance charge of $168,440.61 is not considered accurate because it is
understated by more than $100.		    
xx 63008805 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 63008805 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 63008805 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 63008805 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 2) As final HUD-1 is available in the loan file but it is not sign by the borrower.    
xx 63008805 xx 561 561-882 xx Non-QM QC Complete California xx Data Edit Data Edit Active B * Foreclosure Delay or Contested (Lvl 2) As per comment dated xx/xx/xxxx contested matter has identified which was for additional fee request. Comment dated xx/xx/xxxx shows that the contested matter is resolved.    
xx 63008805 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 63008805 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Following are the state disclosure which are missing from the loan file.
1. Impound Account Disclosure
2. Private Mortgage Insurance Disclosure
3. Privacy Notice
4. Notice of Right to Copy of Appraisal		    
xx 63008805 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow account disclosure is missing from the loan file.    
xx 63008805 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider is missing from the loan file.    
xx 63008805 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of Servicing transfer missing from the loan file.    
xx 63008805 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * ROR Transaction date not consistent with Note and/or HUD (Lvl 2) ROR is available in the loan file but transaction date is xx after note date xx.    
xx 63008805 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 63008805 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) xx    
xx 63008805 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Property Active B * Subject property is located in a FEMA designated disaster area (recent). (Lvl 2) The subject property is located in the county where recent FEMA disaster is declared (California wild fires).    
xx 63008805 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 95870193 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 95870193 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 95870193 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow account disclosure is missing from the loan file.    
xx 95870193 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider  is missing from the loan file.    
xx 95870193 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of Servicing transfer disclosure is missing from the loan file.    
xx 95870193 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx NPL NPL Active B * Payment History is not Complete (Lvl 3) Payment history is available in the file from xx/xx/xxxx toxx/xx/xxxx, however, we require latest 12 months payment history; Payment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 95870193 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated Business disclosure is missing from the loan file.    
xx 95870193 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx NPL General Active B * Recent Foreclosure Sale - Need Update (Lvl 3) xx    
xx 95870193 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 95870193 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 95870193 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 29186317 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 29186317 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 29186317 xx 561 561-882 xx Non-QM QC Complete Tennessee xx NPL NPL Active B * Payment History is not Complete (Lvl 3) “The latest payment history is available from xx/xx/xxxx to xx/xx/xxxx. However, we required complete 12 months payment history; the payment history is missing from xx/xx/xxxx to xx/xx/xxxx.”    
xx 29186317 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 29186317 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow account disclosure is missing from the loan file.    
xx 29186317 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 29186317 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer disclosure is missing from the loan file.    
xx 54634634 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 54634634 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 54634634 xx 561 561-882 xx Non-QM QC Complete Michigan xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal is missing from the loan file.    
xx 54634634 xx 561 561-882 xx Non-QM QC Complete Michigan xx Valuation Property Active B * Property is Mobile Home (Lvl 4) Home not affixed. The Appraisal report is missing from the loan file. As per the BPO report dated xx/xx/xxxx, the subject property type is manufactured home. Title policy doesn't show ALTA 7 endorsement incorporated in the policy. No affidavit of affixation is available in the loan file. Also, there is no VIN# mentioned on the legal description of the mortgage. Latest tax report shows property type as mobile home. However, the updated title dated xx/xx/xxxx, reflects VIN number "xx"; but tax report shows mobile home title is not retired.    
xx 54634634 xx 561 561-882 xx Non-QM QC Complete Michigan xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 54634634 xx 561 561-882 xx Non-QM QC Complete Michigan xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 32431349 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 32431349 xx 561 561-882 xx Non-QM QC Complete Virginia xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal is missing from the loan file.    
xx 32431349 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit DTI Active B * DTI > 60% (Lvl 2) As per 1003 dated xx/xx/xxxx, the total monthly income is in the amount of $3,580.00 and the total monthly expenses is in the amount of $2,673.23 hence, DTI  is exceeding 60%.    
xx 32431349 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Good Faith Estimate missing or unexecuted (Lvl 2) Final Good faith eastimate is missing from the loan file.    
xx 32431349 xx 561 561-882 xx Non-QM QC Complete Virginia xx NPL NPL Active B * Payment History is not Complete (Lvl 3) Payment history is incomplete, it is missing for 9 months from the date xx/xx/xxxx toxx/xx/xxxx.    
xx 32431349 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA finance charge test.

This loan failed the TILA foreclosure rescission finance charge test.		    
xx 32431349 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.
TILA Finance Charge Test: FAIL Loan Data $88,502.07 Comparison Data $88,855.94 Variance -$353.87
This loan failed the TILA foreclosure rescission finance charge test.
TILA Foreclosure Rescission Finance Charge Test: FAIL Loan Data $88,502.07 Comparison Data $88,855.94 Variance -$353.87		    
xx 75624988 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 75624988 xx 561 561-882 xx Non-QM QC Complete Alabama xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal is missing from the loan file.    
xx 75624988 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrowers.    
xx 75624988 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Doc Issue Active B * Good Faith Estimate missing or unexecuted (Lvl 2) Good faith estimate disclosure is missing from the loan file.    
xx 75624988 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Doc Issue Active B * Initial Good Faith Estimate is Missing (Lvl 2) Initial escrow acct. disclosure is missing from the loan file.    
xx 75624988 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Doc Issue Active B * Initial Truth in Lending Disclosure is Missing (Lvl 2) Initial truth in lending disclosure is missing from the loan file.    
xx 75624988 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by the borrowers.    
xx 75624988 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Servicing comment history is available from xx/xx/xxxx toxx/xx/xxxx, however, it is missing from xx/xx/xxxx to xx/xx/xxxx. As we require latest 24 months comment history for review.    
xx 75624988 xx 561 561-882 xx Non-QM QC Complete Alabama xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 54090017 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Rvw shows prop. owner of record is not borr. (Lvl 2) According the updated title report shows the current borrower "xx" does not match with xx (mortgager).    
xx 54090017 xx 561 561-882 xx Non-QM QC Complete California xx Data Edit Data Edit Active B * Subject property is in REO (Real Estate Owned) (Lvl 3) According the updated title report shows the current borrower "xx." does not match with xx (mortgager).  The property has been transferred from xx.    
xx 54090017 xx 561 561-882 xx Non-QM QC Complete California xx Data Edit Data Edit Active B * Deceased Borrower(s) (Lvl 2) According to the updated title report dated xx/xx/xxxx, the borrower,xx was deceased on xx. However, no details regarding the death certificate or probate has been found in the collection comments.

.		    
xx 54090017 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 is missing in loan file. However values are updated as per unexecuted application located at " xx"    
xx 54090017 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Application Not Signed by All Borrowers (Lvl 2) Final 1003 is missing in loan file. However values are updated as per unexecuted application located at " xx"    
xx 54090017 xx 561 561-882 xx Non-QM QC Complete California xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The Payment History is missing from xx/xx/xxxx toxx/xx/xxxx as we required latest 12 months complete payment history however the information is updated from the prior payment history available from xx/xx/xxxx toxx/xx/xxxx.    
xx 54090017 xx 561 561-882 xx Non-QM QC Complete California xx Modification Doc Issue Active B * Loan appears modified. Mod missing or unexecuted (Lvl 4) This is conventional fixed rate mortgage with P&I of $2,391.22 with the rate of interest 6.875% and a maturity date of xx. The P&I as per payment history tape data is the $2,602.09 and the rate of interest is 6.875%. However, there is a change in P&I with respect to Note data which seems that there would be a possible modification. As per tape data, the loan has been modified with a modified principal balance of $xx. The modification document is not found in the loan file.    
xx 79573122 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 79573122 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final executed TIL is not hand dated by the borrower.    
xx 79573122 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Other Disclosures Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 79573122 xx 561 561-882 xx Non-QM QC Complete Arizona xx Valuation LTV Active B * LTV or CLTV exceeds 104% (Lvl 2) LTV/CLTV of the loan is exceeded xx% as the appraised value of the subject property is xx which is less than the loan amount (xx).    
xx 79573122 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 3) PMI certificate is missing from the loan file as LTV of the loan is exceeded xx and the loan data tape also shows the PMI is required.    
xx 79573122 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The Notice of servicing transfer disclosure is missing from the loan file.    
xx 42846199 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan file.    
xx 42846199 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Good Faith Estimate missing or unexecuted (Lvl 2) Final Good Faith Estimate is missing from the loan file.    
xx 42846199 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Initial Good Faith Estimate is Missing (Lvl 2) Initial Good Faith Estimate is missing from the loan file.    
xx 42846199 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Payment history missing (Lvl 3) Missing two months of payment history for Sept & Oct 2018.    
xx 19249934 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 19249934 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 19249934 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by borrower.    
xx 19249934 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 72738379 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal Report  is missing from the loan file.    
xx 72738379 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 72738379 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final loan application / 1003 is missing from the loan file.    
xx 72738379 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final Settlement statement along with Estimated Hud-1 and Itemization are missing from the loan file.    
xx 72738379 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 72738379 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Legal Docs Doc Issue Active B * Missing Title evidence (Lvl 4) Final Title Policy at origination is missing in the loan file and there is no commitment / preliminary report is available in the file either.    
xx 72738379 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Legal Docs Doc Issue Active B * Mortgage Riders incomplete / inaccurate (Lvl 2) Missing Condo Rider to be filed with Mortgage.    
xx 72738379 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) xx    
xx 72738379 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 72738379 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 72738379 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Credit Title Review Active B * Title Rvw shows prop. owner of record is not borr. (Lvl 2) xx    
xx 92584786 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 92584786 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 92584786 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 92584786 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Missing Title evidence (Lvl 4) Final title policy along with commitment or preliminary report is missing from the loan file.    
xx 92584786 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 92584786 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated business disclosure is missing from the loan file.    
xx 92584786 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) The Appraisal report is missing from the loan file.    
xx 92584786 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Property Active B * Subject property is located in a FEMA designated disaster area (recent). (Lvl 2) The subject property is located in the county where recent FEMA disaster is declared (California wild fires).    
xx 92584786 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Legal Docs Active B * Updated title review shows IRS / vehicle / federal / personal tax liens (Lvl 2) There are two junior federal tax liens against the borrower xx which was recorded on different dates.    
xx 60204509 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 60204509 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 60204509 xx 561 561-882 xx Non-QM QC Complete Illinois xx Valuation Valuation Active B * Property Damage (Lvl 2) As per the comments dated  xx/xx/xxxx, Borrower has had paid from some repairs  for water damage, RFD stated by borrower is many things one of which is damages insurance did not cove the $10k, damages stated are for roof repairs due to extensive rain , as per the borrower the company that put the roof went out of business . Borrower is getting the check on the name of Seterus and called to confirm how to process the check, no further information regarding the how much claim amount is received by the borrower is found.    
xx 60204509 xx 561 561-882 xx Non-QM QC Complete Illinois xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 60204509 xx 561 561-882 xx Non-QM QC Complete Illinois xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The payment history is available from xx/xx/xxxx till xx/xx/xxxx, we require 12 months of recent payment history, missing the payment history from xx/xx/xxxx till xx/xx/xxxx.    
xx 60204509 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 3) This is a conventional loan. LTV at the origination was xx%. The tape data is reflected MI required. Final 1003 reflects monthly MI in the amount of xx; however, MI certificate is missing in the loan files.    
xx 62433834 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 62433834 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 62433834 xx 561 561-882 xx Non-QM QC Complete Ohio xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 62433834 xx 561 561-882 xx Non-QM QC Complete Ohio xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD-1 was not signed by the borrower.    
xx 62433834 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL was not hand dated by the borrower.    
xx 62433834 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 62433834 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Other Disclosures Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from the loan file.    
xx 62433834 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is missing from the loan file.    
xx 62433834 xx 561 561-882 xx Non-QM QC Complete Ohio xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 62433834 xx 561 561-882 xx Non-QM QC Complete Ohio xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The Available Payment history from datexx/xx/xxxx toxx/xx/xxxx which is incomplete. However, we require the latest 12 months payment history. The Payment history is missing from datexx/xx/xxxx toxx/xx/xxxx.    
xx 62433834 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) This is a Conventional Fixed rate mortgage originated on xx. Final Application and HUD-1 shows the monthly MI payment is xx. However, MI certificate is missing from the loan file.    
xx 80797771 xx 561 561-882 xx Non-QM QC Complete Idaho xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 80797771 xx 561 561-882 xx Non-QM QC Complete Idaho xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 80797771 xx 561 561-882 xx Non-QM QC Complete Idaho xx Legal Docs Note / Mod Active B * Incorrect Property address on Note Document. (Lvl 2) According to the pro title dated xx/xx/xxxx, the address is xx which is as per the updated title. But the address on the mortgage and note is xx which is inconsistent.    
xx 80797771 xx 561 561-882 xx Non-QM QC Complete Idaho xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider disclosure is missing from the loan file.    
xx 80797771 xx 561 561-882 xx Non-QM QC Complete Idaho xx Credit Doc Issue Active B * ROR Transaction date not consistent with Note and/or HUD (Lvl 2) ROR transaction date is xx which is not consistent with Note date xx and HUD settlement date which is xx.    
xx 80797771 xx 561 561-882 xx Non-QM QC Complete Idaho xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The available payment history is from date xx/xx/xxxx toxx/xx/xxxx is incomplete. However, we require the last 12 months payment history. The payment history is missing from date toxx/xx/xxxx toxx/xx/xxxx.    
xx 7800850 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Application Missing (Lvl 2) 1003 missing from the loan file.    
xx 7800850 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal missing from the loan file.    
xx 7800850 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 along with estimated HUD and itemization are missing from the loan file.    
xx 7800850 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL missing from the loan file.    
xx 7800850 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer missing from the loan file.    
xx 7800850 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure missing from the loan file    
xx 7800850 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Required State disclosure in missing from the below list.
1.Insurance Sales Disclosure
2.Anti-Coercion Notice		    
xx 7800850 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR missing from the loan file.    
xx 92211048 xx 561 561-882 xx Non-QM QC Complete Montana xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 92211048 xx 561 561-882 xx Non-QM QC Complete Montana xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application is missing from the loan file.    
xx 92211048 xx 561 561-882 xx Non-QM QC Complete Montana xx Compliance Compliance Active B * ComplianceEase Exceptions Test Failed (Lvl 2) MT License Validation Test: FAIL    
xx 92211048 xx 561 561-882 xx Non-QM QC Complete Montana xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the Montana license validation test and TILA Foreclosure Rescission Finance Charge Test.    
xx 92211048 xx 561 561-882 xx Non-QM QC Complete Montana xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA Foreclosure Rescission Finance Charge Test: FAIL Loan Data  $166,095.34  Comparison Data $166,159.24  Variance -$63.90    
xx 92736375 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 92736375 xx 561 561-882 xx Non-QM QC Complete Indiana xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan file.    
xx 92736375 xx 561 561-882 xx Non-QM QC Complete Indiana xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The payment history is available from xx/xx/xxxx toxx/xx/xxxx. However, latest 12 months payment history is required. The payment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 92736375 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 2) xx    
xx 92736375 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the Indiana license validation test.    
xx 92736375 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active B * ComplianceEase Exceptions Test Failed (Lvl 2) This loan failed the Indiana license validation test.
IN License Validation Test: FAIL
Indiana House Enrolled Act 1359 requires the Indiana Department of Financial Institutions to begin regulation of both first and
subordinate lien mortgage lending under the First Lien Mortgage Lending License and Subordinate Lien Mortgage Lending
License. As a result, lenders will no longer be allowed to make loans under the Indiana Unregulated (1st Lien), Unregulated
UCCC, Consumer Loan License, Consumer Loan License UCCC, or the Exemption Letter UCCC.
The Indiana First Lien Mortgage Lending License and Indiana Subordinate Lien Lending License are not available for loans with
a closing date before the Act's effective date of January 1, 2009.		    
xx 44982462 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 44982462 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 44982462 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Property Active B * Property is Manufactured Housing (Lvl 2) According to Appraisal report located at “xx” the property type as manufactured home. There is no VIN number mentioned on the legal description of the mortgage. However, the appraisal report shows VIN # xx. There is no affixation affidavit available in loan file. Latest tax report shows separate assessment; however, final policy located at " xx"  shows ALTA-7 Manufactured housing endorsement attached with policy stating policy cover both land and manufactured housing unit.    
xx 44982462 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit DTI Active B * DTI > 60% (Lvl 2) As per Final Application, the borrower monthly income is $2,873.00, and a monthly expense is given in the amount of $3,484.43. Hence the DTI ratio became 81.520%, which was greater than 60%.    
xx 44982462 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Property Active B * Property Damage (Lvl 3) As per the review of servicing comments on xx/xx/xxxx, shows that the property had been damaged due to the Hurricane on xx.
The borrower has filed insurance in the favor of xx with claim number xx   and policy number   xx with approximate claim amount xx.
As per the review of servicing comments on xx the 60% interior repairs are completed and still exterior repairs are in progress.
baseboard, doors and trim, walls,  fixtures, hardware, flooring, insulation, and paint. remediation completed.  
As per the review of servicing comments on xx/xx/xxxx, the borrower was received a check in the amount of  xx with Check number: xx
As per servicing comments on xx/xx/xxxx, the property is occupied by the Owner. Based on collection comments unable to confirm which state and how much damage is un repaired.		    
xx 44982462 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) As per the review of updated title report dated xx/xx/xxxx shows that the latest chain of assignment is missing.
It should assign to xx.		    
xx 44982462 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase risk indicator is moderate as the loan is failing for TILA APR Test.    
xx 44982462 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) The Final TIL is missing from the given loan file.    
xx 44982462 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA APR test as;
TILA APR Test: FAIL 0.000% 6.400% -6.400%
The annual percentage rate (APR) is 6.400%. The disclosed APR of 0.000% is not considered accurate because it is more than
1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.		    
xx 70765147 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 70765147 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 70765147 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 70765147 xx 561 561-882 xx Non-QM QC Complete Washington xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 70765147 xx 561 561-882 xx Non-QM QC Complete Washington xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 70765147 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Doc Issue Active B * ROR Transaction date not consistent with Note and/or HUD (Lvl 2) As per the ROR document, the ROR transaction date is xx which is not consistent with the note date xx.    
xx 70765147 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Title Review Active B * Title Rvw shows prop. owner of record is not borr. (Lvl 2) xx    
xx 70765147 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan file.    
xx 70765147 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing Transfer Document is missing from the loan file.    
xx 70765147 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 70765147 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The List of service providers is missing from the loan file.    
xx 70765147 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in WA State. The following required state disclosure are missing from the loan file.
1. Choice of Insurance Notice.
2. Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application.		    
xx 70765147 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed TILA Finance Charge Test.
This loan failed TILA Foreclosure Rescission Finance Charge Test.		    
xx 70765147 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA Finance Charge Test result FAIL Loan Data $238,477.36 Comparison Data $239,037.36  Variance -$560.00.
This loan failed the TILA finance charge test.
The finance charge is $239,037.36. The disclosed finance charge of $238,477.36 is not considered accurate because it is
understated by more than $100.

TILA Foreclosure Rescission Finance Charge Test result FAIL Loan Data $238,477.36 Comparison Data $239,037.36 Variance -$560.00.
This loan failed the TILA foreclosure rescission finance charge test.
The finance charge is $239,037.36. The disclosed finance charge of $238,477.36 is not considered accurate for purposes of
rescission because it is understated by more than $35.		    
xx 45544259 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 45544259 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 45544259 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 45544259 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 3) The MI certificate is missing from the loan file.    
xx 92330484 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure are missing from the loan file.    
xx 92330484 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Valuation Active B * Property Damage (Lvl 2) As per comment dated xx/xx/xxxx there is damage found in the estimated amount of $50 for interior condition. Comment dated xx/xx/xxxx shows that the estimate damage is in the amount of $0.00 damage beyond repair.    
xx 92330484 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Property Active B * Property is Vacant (Lvl 3) As per latest comment dated xx/xx/xxxx subject property is vacant and in secure condition. There is no recent information available for current occupancy of subject property.    
xx 92330484 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 92330484 xx 561 561-882 xx Non-QM QC Complete California xx Credit Credit Active B * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 is missing from the loan file. Also, there is no estimated HUD-1 or itemizations are available in the loan file.    
xx 92330484 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Title policy missing (Lvl 3) Final Title Policy is missing from the loan file however preliminary Report is available in the loan file which is located at xxand all data is captured form preliminary Report.    
xx 92330484 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service provider disclosure is missing from the loan file.    
xx 92330484 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in California State , CA state required total 10 disclosure all are missing from the loan file.
1) Impound Account Disclosure
2) Cosigner Notice
3 ) Private Mortgage Insurance Disclosure
4) Hazard Insurance Disclosure
5) Insurer Recommendation Disclosure
6) Anti-Tying Disclosure
7) Privacy Notice
8) Notice of Right to Copy of Appraisal
9) Application for Credit-Married Persons
10) Fair Debt Collection Notice		    
xx 92330484 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 27160546 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 27160546 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 27160546 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrowers.    
xx 27160546 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The payment history is available from xx/xx/xxxx toxx/xx/xxxx. However, we require the latest 12 months of payment history. The payment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 27160546 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Property address changed since origination - address on updated title different from note (Lvl 2) xx    
xx 73013785 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 73013785 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 73013785 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Title Review Active B * Tax Lien showing on the subject property (Lvl 2) As per updated title report dated xx/xx/xxxx xx utility taxes are delinquent in the amount of $0.00. xx annual utility taxes are delinquent in the amount of $328.16.    
xx 73013785 xx 561 561-882 xx Non-QM QC Complete Georgia xx NPL General Active B * Water/Sewer Taxes (Lvl 3) According to the review of the updated title report dated xx/xx/xxxx, the utilities charge of the year xx are delinquent in  the amount ofxx.    
xx 73013785 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) MI is missing from loan files    
xx 73013785 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer disclosure is missing from loan files    
xx 86861057 xx 561 561-882 xx Non-QM QC Complete California xx Data Edit Data Edit Active B * The subject loan is protected under Bankruptcy (Lvl 2) xx Borrower was discharged ofxx bankruptcy.    
xx 86861057 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from loan file.    
xx 86861057 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report at the origination is missing from the loan file.    
xx 86861057 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Good Faith Estimate missing or unexecuted (Lvl 2) Final GFE is missing from the loan file.    
xx 86861057 xx 561 561-882 xx Non-QM QC Complete California xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 is missing from the loan file. And estimated HUD-1/Fee itemization/GFE are also not available in the loan file.    
xx 86861057 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Initial Good Faith Estimate is Missing (Lvl 2) initial GFE is missing from the loan file.    
xx 86861057 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Initial Truth in Lending Disclosure is Missing (Lvl 2) Initial TIL is missing from the loan file.    
xx 86861057 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from loan file.    
xx 86861057 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of Servicing transfer disclosure is missing from loan file.    
xx 86861057 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 86861057 xx 561 561-882 xx Non-QM QC Complete California xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The payment history is availablexx/xx/xxxx toxx/xx/xxxx andxx/xx/xxxx. However, as we require the latest 12 months payment history. The payment history is missing from xx/xx/xxxx toxx/xx/xxxx andxx/xx/xxxx toxx/xx/xxxx    
xx 86861057 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in California State. The state disclosures missing from the loan file are:
Impound Account Disclosure
Cosigner Notice
Private Mortgage Insurance Disclosure
Earthquake Disclosure forCondominiums
Hazard Insurance Disclosure
Insurer RecommendationDisclosure
CA Fair Lending Notice
Anti-Tying Disclosure
Privacy Notice
Notice of Right to Copy of Appraisal
Application for Credit-Married Persons
Fair Debt Collection Notice
Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 53245630 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 53245630 xx 561 561-882 xx Non-QM QC Complete Texas xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD-1 is not signed by the borrower.    
xx 53245630 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file    
xx 53245630 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan file.    
xx 53245630 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 53245630 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) MI certificate is missing from the loan file.    
xx 53245630 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is missing from the loan file.    
xx 53245630 xx 561 561-882 xx Non-QM QC Complete Texas xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The payment history is available from xx/xx/xxxx toxx/xx/xxxx. However, we required latest 12 months payment history. The payment history is missing from xx/xx/xxxx to xx/xx/xxxx, xx/xx/xxxx to xx/xx/xxxx,xx/xx/xxxx toxx/xx/xxxx.    
xx 53245630 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) xx     
xx 85016258 xx 561 561-882 xx Non-QM QC Complete West Virginia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 85016258 xx 561 561-882 xx Non-QM QC Complete West Virginia xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 85016258 xx 561 561-882 xx Non-QM QC Complete West Virginia xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
xx 85016258 xx 561 561-882 xx Non-QM QC Complete West Virginia xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 85016258 xx 561 561-882 xx Non-QM QC Complete West Virginia xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed for late fees test: Loan Data:5.000% Comparison Data:4.350% Variance:+0.650%    
xx 85016258 xx 561 561-882 xx Non-QM QC Complete West Virginia xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed for the late fees test.    
xx 85016258 xx 561 561-882 xx Non-QM QC Complete West Virginia xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA APR Test: Loan Data:0.000% Comparison Data:6.516% Variance:-6.516%
This loan failed the TILA APR test.
The annual percentage rate (APR) is 6.516%. The disclosed APR of 0.000% is not considered accurate because it is more than
1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.		    
xx 88096098 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal report is missing from the loan file.    
xx 88096098 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
xx 88096098 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 88096098 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Legal Docs Doc Issue Active B * Missing Title evidence (Lvl 4) Final Title policy along with preliminary title policy and title commitment are missing from the loan file.    
xx 88096098 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) HUD-1 is missing from the loan file.    
xx 88096098 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 88096098 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider is missing from the loan file.    
xx 88096098 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 3) LTV is xx  which is greater than xx hence MI certificate is required; however, it is missing from the loan file.    
xx 88096098 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated is missing from the loan file.    
xx 88096098 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 88096098 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer is missing from the loan file.    
xx 1988262 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 1988262 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase risk indicator shows moderate due to Initial TIL Disclosure Date Test failed.    
xx 1988262 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Credit Doc Issue Active B * Good Faith Estimate missing or unexecuted (Lvl 2) Final GFE is missing from the loan file.    
xx 1988262 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 1988262 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Credit Doc Issue Active B * Initial Good Faith Estimate is Missing (Lvl 2) Initial GFE is missing from the loan file.    
xx 1988262 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of servicer providers document is missing from the loan file.    
xx 1988262 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer disclosure is missing from the loan file.    
xx 1988262 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in state of Wisconsin. The following state disclosures are missing from the loan file.
Explanation of Personal Obligation
Marital Property Act Disclosure
Choice of Insurance Disclosure
Co-Signer Notice
Tattle Tale Notice under the Marital Property Act		    
xx 1988262 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 1988262 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the initial TIL disclosure date test due to one of the following: ( 12 CFR §1026.17(b),1026.19(a) , transferred from 12 CFR §226.17(b) , 226.19(a) , as amended in 2009 )
The date creditor received the application (formerly application date) is on or after July 30, 2009.		    
xx 1988262 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) xx    
xx 22769275 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 22769275 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 22769275 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Other Disclosures Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from loan file.    
xx 22769275 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 58921277 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 58921277 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 58921277 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 49004129 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 49004129 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 49004129 xx 561 561-882 xx Non-QM QC Complete Texas xx NPL NPL Active B * Payment History is not Complete (Lvl 3) Payment  history available from xx/xx/xxxx toxx/xx/xxxx. However, we require the latest 12 months comment history. Comment history missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 16596859 xx 561 561-882 xx Non-QM QC Complete Delaware xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 16596859 xx 561 561-882 xx Non-QM QC Complete Delaware xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 16596859 xx 561 561-882 xx Non-QM QC Complete Delaware xx Valuation Property Active B * Property is Vacant (Lvl 3) According to servicing comment dated xx/xx/xxxx, the subject property has been vacant and in secured condition.    
xx 16596859 xx 561 561-882 xx Non-QM QC Complete Delaware xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal report is missing from the loan file.    
xx 20743388 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 20743388 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 20743388 xx 561 561-882 xx Non-QM QC Complete Illinois xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal is missing from the loan file.    
xx 20743388 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
xx 20743388 xx 561 561-882 xx Non-QM QC Complete Illinois xx Legal Docs Title Issue Active B * Title issue (Lvl 3) Final title policy does not reflects amount of insurance.    
xx 20743388 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) Right of rescission is missing from the loan file.    
xx 20743388 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active B * Operative Index Numerical Value Unavailable based on lender docs (Lvl 2) Unable to determine operative index value from the loan file.    
xx 91416836 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 91416836 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 91416836 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) The HUD-1 along with estimated HUD and itemization  are missing from the loan file.    
xx 91416836 xx 561 561-882 xx Non-QM QC Complete Connecticut xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The Available Payment history from datexx/xx/xxxx toxx/xx/xxxx which is incomplete. However, we require the latest 12 months payment history. The Payment history is missing from date xx/xx/xxxx toxx/xx/xxxx.    
xx 43483311 xx 561 561-882 xx Non-QM QC Complete Colorado xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 43483311 xx 561 561-882 xx Non-QM QC Complete Colorado xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 43483311 xx 561 561-882 xx Non-QM QC Complete Colorado xx Data Edit Data Edit Active B * Deceased Borrower(s) (Lvl 3) According to the updated title report dated xx/xx/xxxx, the borrower,xx was deceased on xx. However, no details regarding the death certificate or probate has been found in the collection comments.

.		    
xx 43483311 xx 561 561-882 xx Non-QM QC Complete Colorado xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow acct disclosure is missing from the loan file.    
xx 43483311 xx 561 561-882 xx Non-QM QC Complete Colorado xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The affiliated business form disclosure is missing from the loan file.    
xx 43483311 xx 561 561-882 xx Non-QM QC Complete Colorado xx NPL General Active B * Recent Foreclosure Sale - Need Update (Lvl 2) xx    
xx 43483311 xx 561 561-882 xx Non-QM QC Complete Colorado xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The following state disclosures are missing from the loan file.
Property Insurance Disclosure, Colorado Notice to Cosigner, Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application.		    
xx 43483311 xx 561 561-882 xx Non-QM QC Complete Colorado xx Credit Other Disclosures Active B * Missing Required Disclosures (Lvl 2) The list of service providers disclosure is missing from the loan file.    
xx 43483311 xx 561 561-882 xx Non-QM QC Complete Colorado xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The payment history is available from xx/xx/xxxx toxx/xx/xxxx; however, we require the latest 12 months payment history. The payment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 43483311 xx 561 561-882 xx Non-QM QC Complete Colorado xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.
The finance charge is $118,214.77. The disclosed finance charge of $118,068.27 is not considered accurate because it is under stated by more than $100.		    
xx 43483311 xx 561 561-882 xx Non-QM QC Complete Colorado xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) TILA Finance Charge Test: FAIL Loan Data  xx Comparison Data xx  Variance -xx    
xx 42915137 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 42915137 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 42915137 xx 561 561-882 xx Non-QM QC Complete Washington xx Valuation Property Active B * Property is Vacant (Lvl 3) According to collection comment dated xx/xx/xxxx shows property is vacant.    
xx 42915137 xx 561 561-882 xx Non-QM QC Complete Washington xx NPL NPL Active B * Payment History is not Complete (Lvl 3) Payment history is available in the file from xx/xx/xxxx toxx/xx/xxxx; however, we require latest 12 months payment history; payment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 42915137 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated Business Disclosure is missing from the loan file.    
xx 42915137 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Required Initial Escrow Account is missing from the loan file.    
xx 42915137 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) Right to cancel or Right of Rescission is not available is not available n the loan file    
xx 42915137 xx 561 561-882 xx Non-QM QC Complete Washington xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 42915137 xx 561 561-882 xx Non-QM QC Complete Washington xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) The appraisal is missing from the loan file.    
xx 6651824 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 6651824 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Valuation Active B * Property Damge (Lvl 2) According to collection comments subject property went through disaster. But no damaged repaired and no amount mentioned regarding this. Because of disaster forbearance plan is given to borrower started from xx/xx/xxxx  and ended on xx/xx/xxxx.    
xx 6651824 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is missing from the loan file.    
xx 6651824 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from the loan file.    
xx 6651824 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located at "Florida" state and this state requires following disclosures and all are missing from the loan file.

Anti-Coercion Notice
Insurance Sales Disclosure		    
xx 28045095 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 28045095 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 28045095 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Legal Docs Doc Issue Active B * Title policy missing (Lvl 3) Final title policy is missing from the loan file however title commitment is available in the loan file.    
xx 28045095 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index numerical value is unavailable as the supportive documents such as Loan program disclosure/Rate lock agreement/Closing instruction are missing from the loan file.    
xx 28045095 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated Business Disclosure is missing from the loan file    
xx 28045095 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Required Initial Escrow Account Disclosure is missing from the loan file    
xx 28045095 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The available payment history is from xx/xx/xxxx toxx/xx/xxxx, as we required latest 12 months payment history. The payment history is missing formxx/xx/xxxx toxx/xx/xxxx.    
xx 28045095 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx NPL General Active B * Describe the BK payment plan (Lvl 2) xx    
xx 44860475 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 44860475 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 44860475 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal report is missing from the loan file.    
xx 44860475 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Application Missing (Lvl 2) The final 1003 is missing from the loan file.    
xx 44860475 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) The final TIL is missing from the loan file.    
xx 44860475 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) xx    
xx 44860475 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA APR test.    
xx 44860475 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA APR test.
The annual percentage rate (APR) is 6.680%. The disclosed APR of 0.000% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.		    
xx 44860475 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 97979160 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 97979160 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 97979160 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business disclosure is missing from the loan file.    
xx 97979160 xx 561 561-882 xx Non-QM QC Complete Texas xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal is missing from the loan file.    
xx 97979160 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) Compliance fails for TILA APR Test as loan data is 0.00%, Comparison data is 9.081% and Variance is -9.081%.    
xx 97979160 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 97979160 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
xx 97979160 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 97979160 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account disclosure is missing from the loan file.    
xx 97979160 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Other Disclosures Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from the loan file.    
xx 97979160 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of service transfer disclosure is missing from the loan file.    
xx 97979160 xx 561 561-882 xx Non-QM QC Complete Texas xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The available payment history is from xx/xx/xxxx toxx/xx/xxxx and as we require recent 12 months payment history; as of xx/xx/xxxx. So the required payment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 97979160 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA APR test. The annual percentage rate (APR) is 9.081%. The disclosed APR of 0.000% is not considered accurate because it is more than
1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.		    
xx 69096673 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 69096673 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 69096673 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Credit Active B * HUD-1 Closing Statement missing or unsigned (Lvl 3) The available copy of HUD-1 located at (xx) has some points and fees are handwritten. However,  the same copy is considered to check the ComplianceEase result.    
xx 69096673 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Credit Active B * Payment history document is missing. (Lvl 3) The available payment history is from xx/xx/xxxx toxx/xx/xxxx, as we required latest 12 months payment history. The payment history is missing formxx/xx/xxxx to xx/xx/xxxx    
xx 69096673 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.
The finance charge is $678,481.50. The disclosed finance charge of $677,314.96 is not considered accurate because it is understated by more than $100.
The loan data is $677,314.96 and comparison data is $678,481.50; hence, the variance is -$1,166.54.
This loan failed the TILA foreclosure rescission finance charge test.
The finance charge is $678,481.50. The disclosed finance charge of $677,314.96 is not considered accurate for purposes of rescission because it is understated by more than $35.
The loan data is $677,314.96 and comparison data is $678,481.50; hence, the variance is -$1,166.54.		    
xx 69096673 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA finance charge test.
This loan failed the TILA foreclosure rescission finance charge test.		    
xx 88817017 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 88817017 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 88817017 xx 561 561-882 xx Non-QM QC Complete Florida xx Data Edit Data Edit Active B * Foreclosure Delay or Contested (Lvl 3) According to collection comment dated xx/xx/xxxx shows the loan is in contested litigation. we are unable to determine contested litigation weather it is resolve or not. No any other  comment found regarding contested and litigation.    
xx 88817017 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 88817017 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase risk indicator is moderate as the loan is failing for TILA Right of Rescission Test.    
xx 88817017 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated Business Disclosure is not available in the loan file.    
xx 88817017 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) Required Right to Rescission is not available in the loan file.    
xx 88817017 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 88817017 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA right of rescission test.
The funding date is before the third business day following consummation.
The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the
notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last.		    
xx 91967773 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 91967773 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 91967773 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Form Disclosure is missing from the loan file.    
xx 91967773 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 91967773 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Credit Active B * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 is available in the loan file. However, some point and fess value are hand written.    
xx 91967773 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Acct Disclosure is missing from the loan file.    
xx 91967773 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider is missing from the loan file.    
xx 91967773 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing Transfer Document Disclosure is missing from the loan file.    
xx 91967773 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Subject property is located at NJ state.
Following state disclosure is missing from the loan file.:-
1) Lock-In Agreement.		    
xx 91967773 xx 561 561-882 xx Non-QM QC Complete New Jersey xx NPL General Active B * Recent Foreclosure Sale - Need Update (Lvl 4) xx    
xx 91967773 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) xx    
xx 91967773 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test.    
xx 91967773 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test.
Loan data is $381.00 which is compared with +$0.00 and variance is +$381.00		    
xx 40596256 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Application Missing (Lvl 2) According to loan file Final Application is missing from loan file.    
xx 40596256 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from loan file.    
xx 40596256 xx 561 561-882 xx Non-QM QC Complete California xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 is missing from the loan file. Estimated HUD-1 and Itemization of fee are also missing from the loan file.    
xx 40596256 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) Final ROR is missing from loan file.    
xx 40596256 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Missing proof of hazard insurance (Lvl 2) Hazard insurance document is missing from loan file.    
xx 40596256 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from loan file.    
xx 40596256 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer is missing from loan file.    
xx 40596256 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Rvw shows prop. owner of record is not borr. (Lvl 2) xx    
xx 40596256 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Property Active B * Subject property is located in a FEMA designated disaster area (recent). (Lvl 2) The subject property is located in the county where recent FEMA disaster is declared (California wild fires).    
xx 68547376 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 68547376 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 68547376 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan file.    
xx 68547376 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx NPL NPL Active B * Payment History is not Complete (Lvl 3) Payment history is available in the loan file from xx/xx/xxxx to xx/xx/xxxx; however, we require latest 12 months payment history. Payment history is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 92696793 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Application Missing (Lvl 2) Application/1003 is missing from the loan file.    
xx 92696793 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal is missing from the loan file.    
xx 92696793 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Collection comments are available from the xx/xx/xxxx toxx/xx/xxxx and from xx/xx/xxxx till xx/xx/xxxx. We required latest 24 months comments. Collection comment is missing from the xx/xx/xxxx toxx/xx/xxxx.    
xx 92696793 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 along with estimated HUD and itemization are missing from the loan file.    
xx 92696793 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 92696793 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider is missing from loan file.    
xx 92696793 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of service provider is missing from loan file.    
xx 92696793 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from loan file.    
xx 92696793 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 92696793 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 81388003 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 81388003 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 81388003 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Credit DTI Active B * DTI > 60% (Lvl 2) As per application, the total monthly income of the borrower is $2,135.50 and the total monthly expenses of the borrower is $1351.15. Hence, DTI shows greater than 60%.    
xx 81388003 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) MI, FHA or MIC document missing from the loan file.    
xx 81388003 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Required State disclosure is missing from the loan file.
1.Financial Institution Choice of Insurance Disclosure
2.Anti-Tying Disclosure
3.Authorization Fees, Charges and Expenses for Federally Related Mortgage Loans		    
xx 81388003 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 65602186 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 65602186 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 65234077 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 65234077 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 65234077 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) “This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."    
xx 65234077 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit DTI Active B * DTI > 60% (Lvl 2) As per 1003 dated xx/xx/xxxx, the total monthly income is in the amount of $3,475.00 and the total monthly expenses is in the amount of $3,475.00 hence, DTI  is exceeding 60%.    
xx 65234077 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 65234077 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 65234077 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.
TILA Finance Charge Test: FAIL Loan data $99,905.90 comparison data $100,102.26 Variance -$196.36.

This loan failed the TILA foreclosure rescission finance charge test.
TILA Foreclosure Rescission Finance Charge Test: FAIL Loan data $99,905.90 comparison data $100,102.26 Variance -$196.36.		    
xx 65234077 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 75991685 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 75991685 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 75991685 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 75991685 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final Application is missing from the loan file.    
xx 75991685 xx 561 561-882 xx Non-QM QC Complete Texas xx NPL NPL Active B * Payment History is not Complete (Lvl 3) Latest payment history is available from xx/xx/xxxx toxx/xx/xxxx. However, we required latest 12 months payment history. Payment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 75991685 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) The final TIL is missing from the loan file.    
xx 75991685 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 75991685 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan has failed TILA APR test.    
xx 75991685 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA APR Test:Loan Data : 0.000%  Comparison Data : 7.460%  Variance : -7.460%    
xx 76012640 xx 561 561-882 xx Non-QM QC Complete Maryland xx NPL General Active B * Water/Sewer Taxes (Lvl 2) According to the review of the updated title report dated xx/xx/xxxx, the utilities charge of the year xx are delinquent in  the amount ofxx.    
xx 76012640 xx 561 561-882 xx Non-QM QC Complete Maryland xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal at the origination is missing from the loan file.    
xx 76012640 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application is missing from the loan file.    
xx 76012640 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from loan file.    
xx 76012640 xx 561 561-882 xx Non-QM QC Complete Maryland xx Legal Docs Doc Issue Active B * Missing Title evidence (Lvl 4) Final Title policy is missing from the loan file and also the preliminary policy or commitment are not available in the loan file.    
xx 76012640 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account disclosure is missing from loan file.    
xx 76012640 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Providers is missing from loan file.    
xx 76012640 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated Business Disclosure is missing from loan file.    
xx 76012640 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 76012640 xx 561 561-882 xx Non-QM QC Complete Maryland xx Data Edit Data Edit Active B * Deceased Borrower(s) (Lvl 3) According to the updated title report dated xx/xx/xxxx, the borrower,xx was deceased on xx. However, no details regarding the death certificate or probate has been found in the collection comments.

.		    
xx 76012640 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) The HUD-1 along with estimated HUD and itemization  are missing from the loan file.    
xx 76012640 xx 561 561-882 xx Non-QM QC Complete Maryland xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The latest payment history is available from xx/xx/xxxx toxx/xx/xxxx; however we required the latest 12 months complete payment history. The payment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 76012640 xx 561 561-882 xx Non-QM QC Complete Maryland xx NPL General Active B * Recent Foreclosure Sale - Need Update (Lvl 2) xx    
xx 76012640 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Title Review Active B * Active Judgment Against Borrower (Lvl 3) There are multiple state tax judgments against the name of borrower total in the amount of $121,173.53 which were recorded on xx. The related document available with the updated title report does not reflect the DON/SSN of the borrower.    
xx 92440619 xx 561 561-882 xx Non-QM QC Complete Indiana xx Valuation Property Active B * Property Damage (Lvl 2) According to the servicing comment dated xx/xx/xxxx, the subject property was damaged due to wind. The roof of the house was damaged. However, the estimated cost of repairs has not been mentioned in the latest 24 months collection comments also, the insurance claim has not been filed yet by the borrower for the same.    
xx 92440619 xx 561 561-882 xx Non-QM QC Complete Indiana xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal at the origination is missing from the loan file.    
xx 92440619 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) CE Risk Indicator is "Moderate" as this loan failed HOEPA Higher-Priced Mortgage Loan Test.
HOEPA Higher-Priced Mortgage Loan Test: FAIL loan data: 4.983% comparison data: 4.670% variance: +0.313%		    
xx 92440619 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active B * ComplianceEase Exceptions Test Failed (Lvl 2) CE Risk Indicator is "Moderate" as this loan failed HOEPA Higher-Priced Mortgage Loan Test.
HOEPA Higher-Priced Mortgage Loan Test: FAIL loan data: 4.983% comparison data: 4.670% variance: +0.313%.

The loan is a higher-priced mortgage loan due to the following findings:
The loan has a date creditor received application (formerly application date) on or after the effective date of October 1, 2009; and
The loan is a first lien and the APR exceeds the Average Prime Offer Rate (3.170%) by 1.5% or more; or
The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (3.170%) by 3.5% or more.

This loan failed the HOEPA higher-priced mortgage loan test. ( 12 CFR §1026.35(a)(1) , transferred from 12 CFR §226.35(a)(1) as enacted in 2008 )
Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the HOEPA higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higherpriced mortgage loans even if the additional conditions are met.		    
xx 52005123 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Property Active B * Property Damage (Lvl 2) According to collection comment dated xx/xx/xxxx shows that the property has roof damage and the borrower had filed the claim for insurance. The property is livable but the borrower is not able to live in home for 28 days. The insurance process is under negotiation. According to comment dated xx/xx/xxxx, it seems that there is no plan to repair the property. No exact amount of damage provided in the comment. No evidence found in the file and comment that shows the repair has been done.    
xx 52005123 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal report is missing from the loan file.    
xx 52005123 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final Application is missing from the loan file.    
xx 52005123 xx 561 561-882 xx Non-QM QC Complete California xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 is missing from the loan file. Estimated HUD-1 or itemization of points and fees are also not available.    
xx 52005123 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 52005123 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Missing Title evidence (Lvl 4) Final title policy is missing from the loan file. Title commitment or preliminary policy is also not available in the loan file.    
xx 52005123 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated Business Disclosure is missing from the loan file.    
xx 52005123 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Required Initial Escrow Account Disclosure is missing from the loan file.    
xx 44314167 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 44314167 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 44314167 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) According to the review of updated title report dated xx/xx/xxxx, there is an active Water/Sewer lien against the subject property in the amount of xx. The subject property is in "Maryland" (Super lien) State and there can be possibility of foreclosure due to this non mortgage lien. This can be cured by paying this lien with late charges and penalties.    
xx 44314167 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated Business Disclosure is missing from the loan file.    
xx 44314167 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Required Initial Escrow Account is missing from the loan file.    
xx 44314167 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 44314167 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 44314167 xx 561 561-882 xx Non-QM QC Complete Maryland xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 44314167 xx 561 561-882 xx Non-QM QC Complete Maryland xx NPL General Active B * Water/Sewer Taxes (Lvl 3) According to the review of the updated title report dated xx/xx/xxxx, the utilities charge of the year xx are delinquent in  the amount ofxx.    
xx 66943536 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal report is missing from the loan file.    
xx 66943536 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final Application is missing from the loan file.    
xx 66943536 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 is missing from the loan file. Estimated HUD-1 or itemization of points and fees are also not available in the loan file.    
xx 66943536 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 66943536 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx NPL General Active B * Recent Foreclosure Sale - Need Update (Lvl 3) xx    
xx 66943536 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated business disclosure is missing from the loan file.    
xx 66943536 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Legal Docs Doc Issue Active B * Missing Title evidence (Lvl 4) The final title policy is missing from the loan file and also the preliminary policy and commitment are not available in the loan file.    
xx 66943536 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The Notice of servicing transfer is missing from the loan file.    
xx 66943536 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The payment history is available from xx/xx/xxxx toxx/xx/xxxx; however we required latest 12 months complete payment history. The payment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 66943536 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Title Rvw shows prop. owner of record is not borr. (Lvl 2) xx    
xx 43481883 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 43481883 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 43481883 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Property address changed since origination - address on updated title different from note (Lvl 2) xx    
xx 43481883 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL not hand dated from the loan file.    
xx 43481883 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing  from the loan file.    
xx 43481883 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Required State disclosure in missing from the below list.
1.Expiration of Lock-in or Commitment Period
2.Radon Gas Disclosure
3.Anti-Coercion Notice		    
xx 43481883 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 43481883 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider document is missing from the loan file.    
xx 43481883 xx 561 561-882 xx Non-QM QC Complete Florida xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The payment history is available from xx/xx/xxxx toxx/xx/xxxx. We require the latest 12 months payment history. The payment history is missing from xx/xx/xxxx  toxx/xx/xxxx.    
xx 88542862 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Form Disclosure is missing from the loan file.    
xx 88542862 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan file.    
xx 88542862 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application is missing from the loan file.    
xx 88542862 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 is missing from the loan file. Also, there is no estimated HUD-1 or itemizations are available in the loan file.    
xx 88542862 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 88542862 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Legal Docs Title Issue Active B * Title issue (Lvl 3) xx     
xx 88542862 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 88542862 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing Transfer Document is missing from the loan file.    
xx 88542862 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 88542862 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 17665176 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 17665176 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 17665176 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Property Active B * Property Damage (Lvl 2) As per the collection comment xx/xx/xxxx property had a broken bathroom window, and damage to the doors, some leakage in the garage. Property needed repairs in the amount of $17,000.00. The collection comment dated xx/xx/xxxx shows the insurance company advice they will only assist with half 19K amount for roof repairs, and the cheque was received. However the latest collection comment dated xx/xx/xxxx shows the borrower had damages done to his home. Latest BPO report is unavailable. Details regarding repairs are unavailable.    
xx 17665176 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated Business Disclosure is missing from the loan file.    
xx 17665176 xx 561 561-882 xx Non-QM QC Complete Florida xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The available payment history is from xx/xx/xxxx toxx/xx/xxxx, as we required latest 12 months payment history. The payment history is missing formxx/xx/xxxx toxx/xx/xxxx.    
xx 17665176 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Legal Docs Active B * Updated title review shows IRS / vehicle / federal / personal tax liens (Lvl 2) Updated title report dated on xx/xx/xxxx shows there is active IRS lien against subject borrower which is in the amount of xx.    
xx 27563566 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 27563566 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 27563566 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit DTI Active B * DTI > 60% (Lvl 2) As per the final application, the total monthly expenses are $4,802.23 and total monthly income is $5,051.67. However, the DTI exceeds 95.062%.    
xx 27563566 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 27563566 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) Prohibited Fees Test: loan data : $775.00, comparison data : $0.00, variance : +$775.00.    
xx 27563566 xx 561 561-882 xx Non-QM QC Complete Maryland xx Legal Docs Doc Issue Active B * Missing proof of hazard insurance (Lvl 2) Proof of hazard insurance is missing from the loan file.    
xx 27563566 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated Business Disclosure is missing from the loan file.    
xx 27563566 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) xx    
xx 27563566 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the prohibited fees test.
The loan charges one or more prohibited inspection fees that are not needed to ascertain the completion of construction or
repairs. MD Code §12-121.		    
xx 36828624 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 36828624 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 36828624 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 36828624 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 36828624 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 36828624 xx 561 561-882 xx Non-QM QC Complete Texas xx NPL NPL Active B * Payment History is not Complete (Lvl 3) Payment history is available from xx/xx/xxxx toxx/xx/xxxx; as we require a recent 12 months Payment history. However, the payment history is missing from xx/xx/xxxx toxx/xx/xxxx and from xx/xx/xxxx toxx/xx/xxxx.    
xx 36828624 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) xx     
xx 36828624 xx 561 561-882 xx Non-QM QC Complete Texas xx Legal Docs Legal Docs Active B * Updated title review shows IRS / vehicle / federal / personal tax liens (Lvl 2) There are seven   IRS liens against the borrower xx. Which was recorded on Different dates; however, the name of borrower and SSN# is consistent with the name of the borrower.    
xx 36828624 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.
The finance charge is $135,143.93. The disclosed finance charge of $135,039.69 is not considered accurate because it is understated by more than $100.
This loan failed the TILA foreclosure rescission finance charge test.
The finance charge is $135,143.93. The disclosed finance charge of $135,039.69 is not considered accurate for purposes of rescission because it is understated by more than $35.
TILA Finance Charge Test: FAIL Loan Data $135,039.69 Comparison Data $135,143.93 Variance -$104.24.
TILA Foreclosure Rescission Finance Charge Test: FAIL Loan Data $135,039.69 Comparison Data $135,143.93 Variance -$104.24.		    
xx 36828624 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA finance charge test.
This loan failed the TILA foreclosure rescission finance charge test.		    
xx 15403411 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 15403411 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 15403411 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report at the time of origination of the loan is missing from the loan file.    
xx 15403411 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase Risk Indicator is Moderate due to TILA Finance Charge Test and TILA Foreclosure Rescission Finance Charge Test are failed.    
xx 15403411 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) ComplianceEase TILA Test Failed due to following reason;
1. TILA Finance Charge Test which shows Loan Data $161,583.54 Comparison Data $162,095.21 and Variance -$511.67.
The finance charge is $162,095.21. The disclosed finance charge of $161,583.54 is not considered accurate because it is
understated by more than $100.
2. TILA Foreclosure Rescission Finance Charge Test which shows Loan Data $161,583.54 Comparison Data $162,095.21 and Variance -$511.67.
The finance charge is $162,095.21. The disclosed finance charge of $161,583.54 is not considered accurate for purposes of
rescission because it is understated by more than $35.		    
xx 15403411 xx 561 561-882 xx Non-QM QC Complete California xx Credit Credit Active B * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 is missing from the loan file; However, Estimated HUD-1 is available which is located at xx  and all fees are taken from Estimated HUD-1 to run the compliance.    
xx 15403411 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Following are the state disclosure which are missing from the loan file;
1. Impound Account Disclosure
2. Private Mortgage Insurance Disclosure
3. Insurer RecommendationDisclosure
4. Notice of Right to Copy of Appraisal
5. Fair Debt Collection Notice
6. Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 15403411 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Provider is missing from the loan file.    
xx 15403411 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Service Transfer Disclosure is missing from the loan file.    
xx 15403411 xx 561 561-882 xx Non-QM QC Complete California xx Data Edit Data Edit Active B * Deceased Borrower(s) (Lvl 3) According to the updated title report dated xx/xx/xxxx, the borrower,xx was deceased on xx. However, no details regarding the death certificate or probate has been found in the collection comments.

.		    
xx 15403411 xx 561 561-882 xx Non-QM QC Complete California xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The comment history is available from xx/xx/xxxx to xx/xx/xxxx. However, we require the latest 24 months of comment history. The comment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 15403411 xx 561 561-882 xx Non-QM QC Complete California xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The payment history is available from xx/xx/xxxx toxx/xx/xxxx. However, we require the latest 24 months of payment history. The payment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 15403411 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) The Right of Rescission is not executed by the borrower.    
xx 15403411 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 60258373 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 60258373 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 60258373 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Property Active B * Property is Manufactured Housing (Lvl 4) Home not affixed. According to an appraisal report dated xx, the subject property type is Manufactured home. Neither serial# listed on the mortgage or mortgage legal description, nor ALTA 7 endorsement for Manufactured home was found with the final title policy. The third point in schedule B of title policy states that the policy does not insure any mobile home on the property. No affidavit of affixation was found in the loan file. Also, the latest tax reports available with updated title report shows the Assessments are done separately. Unable to determine whether the home is attached to the permanent concrete foundation.    
xx 60258373 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 60258373 xx 561 561-882 xx Non-QM QC Complete Florida xx Data Edit Data Edit Active B * Deceased Borrower(s) (Lvl 3) According to the updated title report dated xx/xx/xxxx, the borrower,xx was deceased on xx. However, no details regarding the death certificate or probate has been found in the collection comments.

.		    
xx 60258373 xx 561 561-882 xx Non-QM QC Complete Florida xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The payment history is available from xx/xx/xxxx toxx/xx/xxxx. We require latest 12 months payment history. The payment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 60258373 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA foreclosure rescission finance charge test.

The finance charge is $102,332.42. The disclosed finance charge of $102,251.14 is not considered accurate for purposes of
rescission because it is understated by more than $35.		    
xx 60258373 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) TILA Foreclosure Rescission Finance Charge Test: FAIL Loan Data  xx Comparison Data xx  Variance -xx    
xx 63570509 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 63570509 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 2) According to the updated title report dated xx/xx/xxxx, the second installment town taxes of xx    
xx 63570509 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan file.    
xx 63570509 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 63570509 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 63570509 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) CT License Validation Test: FAIL
TILA Right of Rescission Test: FAIL		    
xx 63570509 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by borrower.    
xx 63570509 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by borrower.    
xx 63570509 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The CE  failed for Connecticut license validation test and TILA Right of Rescission Test:    
xx 63570509 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Legal Docs Doc Issue Active B * Missing Title evidence (Lvl 4) The final title policy along with commitment and preliminary title policy are missing from the loan file.    
xx 63570509 xx 561 561-882 xx Non-QM QC Complete Connecticut xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The payment history is available from xx/xx/xxxx toxx/xx/xxxx. Latest 12 months of payment history is required and the payment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 63570509 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Compliance Compliance Active B * ComplianceEase Exceptions Test Failed (Lvl 2) This loan failed the Connecticut license validation test.
First mortgage lender licenses and secondary mortgage lender licenses in existence on June 30th, 2008 shall be deemed on and
after July 1st, 2008, to be a mortgage lender license.
As of July 1, 2008 the Connecticut First Mortgage Lender License and the Connecticut Second Mortgage Lender License are no
longer valid. The Connecticut Mortgage Lender License is available for loans with a closing date before July 1st, 2008.		    
xx 63419231 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 63419231 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 63419231 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 63419231 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
xx 63419231 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider disclosures is missing from the loan file.    
xx 63419231 xx 561 561-882 xx Non-QM QC Complete California xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The payment history is available from xx/xx/xxxx toxx/xx/xxxx. However, we required complete 12 months payment history. The payment history is missing from xx/xx/xxxx to xx/xx/xxxx,xx/xx/xxxx toxx/xx/xxxx andxx/xx/xxxx toxx/xx/xxxx.    
xx 63419231 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in California State and the CA state requires total 12 disclosures, all are missing from the loan file.
1) Impound Account Disclosure
2) Cosigner Notice
3) Private Mortgage Insurance Disclosure
4) Hazard Insurance Disclosure
5) Insurer Recommendation Disclosure
6) CA Fair Lending Notice
7) Anti-Tying Disclosure
8) Privacy Notice
9) Notice of Right to Copy of Appraisal
10) Application for Credit-Married Persons
11) Fair Debt Collection Notice
12) Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 88163245 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report at the time of origination is missing from the loan file.    
xx 88163245 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Following state disclosures are missing from the loan file.
 Impound Account Disclosure
 Cosigner Notice
 Private Mortgage Insurance Disclosure
 Hazard Insurance Disclosure
 Insurer Recommendation Disclosure
 CA Fair Lending Notice
 Anti-Tying Disclosure
 Privacy Notice
 Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 88163245 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 88163245 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider disclosures is missing from the loan file.    
xx 88163245 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is missing from the loan file.    
xx 88163245 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from the loan file.    
xx 88163245 xx 561 561-882 xx Non-QM QC Complete California xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The payment history is present from xx/xx/xxxx toxx/xx/xxxx. We require the latest 12 months payment history. It is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 23341166 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 23341166 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx NPL NPL Active B * Payment History is not Complete (Lvl 3) As we require latest 12 months payment history. There is missing payment history in the gap of xx/xx/xxxx toxx/xx/xxxx    
xx 23341166 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Credit Doc Issue Active B * Good Faith Estimate missing or unexecuted (Lvl 2) Final Good Faith Estimate is missing from the loan file.    
xx 23341166 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) Right of Rescission is missing from the loan file.    
xx 42253689 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 42253689 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 42253689 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 42253689 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is missing from the loan file.    
xx 42253689 xx 561 561-882 xx Non-QM QC Complete Georgia xx NPL General Active B * Recent Foreclosure Sale - Need Update (Lvl 3) xx    
xx 42253689 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 42253689 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by the borrower.    
xx 42253689 xx 561 561-882 xx Non-QM QC Complete Georgia xx Valuation Property Active B * Property Damage (Lvl 2) The comment dated xx/xx/xxxx state that the borrower has some roof damaged and need to report claim. But no further details have been found regarding the repair has been made or not.    
xx 42253689 xx 561 561-882 xx Non-QM QC Complete Georgia xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The payment history is available from xx/xx/xxxx toxx/xx/xxxx; however we required latest 12 months complete payment history. The payment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 42253689 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) The TIL is not hand dated by the borrower.    
xx 42253689 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.
The finance charge is $59,480.13. The disclosed finance charge of $59,135.13 is not considered accurate because it is understated by more than $100.
TILA Finance Charge Test: Loan Data $59,135.13 Comparison Data $59,480.13 Variance -$345.00.
This loan failed the TILA foreclosure rescission finance charge test.
The finance charge is $59,480.13. The disclosed finance charge of $59,135.13 is not considered accurate for purposes of rescission because it is understated by more than $35.
TILA Foreclosure Rescission Finance Charge Test: Loan Data $59,135.13 Comparison Data $59,480.13 Variance -$345.00.		    
xx 42253689 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA finance charge test.
This loan failed the TILA foreclosure rescission finance charge test.		    
xx 4429375 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 4429375 xx 561 561-882 xx Non-QM QC Complete Michigan xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 4429375 xx 561 561-882 xx Non-QM QC Complete Michigan xx Credit Doc Issue Active B * Good Faith Estimate missing or unexecuted (Lvl 2) Final GFE is missing from the loan file.    
xx 4429375 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow account disclosure is missing from the loan file.    
xx 4429375 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service provider disclosure is missing from the loan file.    
xx 4429375 xx 561 561-882 xx Non-QM QC Complete Michigan xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of Servicing Transfer disclosure is missing from the loan file.    
xx 4429375 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in  Michigan State , MI state required total one disclosure which is missing from the loan file.
Choice of Insurance Agent		    
xx 52735534 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 52735534 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 52735534 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 52735534 xx 561 561-882 xx Non-QM QC Complete California xx Credit Credit Active B * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 is missing from the loan file. However, the values are updated estimated HUD-1 which is located at "xx" to run compliance.    
xx 52735534 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan file.    
xx 52735534 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 52735534 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure missing from the loan file.    
xx 52735534 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Required State disclosure in missing from the below list.
1.Impound Account Disclosure
2.Cosigner Notice
3.Private Mortgage Insurance Disclosure
4.Hazard Insurance Disclosure
5.Insurer RecommendationDisclosure
6.Anti-Tying Disclosure
7.Privacy Notice
8.Notice of Right to Copy of Appraisal
9.Application for Credit-Married Persons
10.Fair Debt Collection Notice
11.Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 52735534 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Rvw shows prop. owner of record is not borr. (Lvl 2) xx    
xx 52735534 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * ROR Transaction date not consistent with Note and/or HUD (Lvl 2) The subject mortgage was originated on xx. However, according to the ROR, the transaction date is xx    
xx 52735534 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 52735534 xx 561 561-882 xx Non-QM QC Complete California xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The Available Payment history from datexx/xx/xxxx toxx/xx/xxxx which is incomplete. However, we require the latest 12 months payment history. The Payment history is missing from date xx/xx/xxxx toxx/xx/xxxx.    
xx 52735534 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test. The finance charge is $110,950.58. The disclosed finance charge of $110,668.16 is not considered accurate because it is
understated by more than $100.TILA Finance Charge Test: FAIL Loan Data $110,668.16 Comparison Data $110,950.58 Variance -$282.42.
This loan failed the TILA foreclosure rescission finance charge test. The finance charge is $110,950.58. The disclosed finance charge of $110,668.16 is not considered accurate for purposes of rescission because it is understated by more than $35.
TILA Foreclosure Rescission Finance Charge Test: FAIL Loan Data $110,668.16 Comparison Data $110,950.58 Variance -$282.42.		    
xx 52735534 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA finance charge test.
This loan failed the TILA foreclosure rescission finance charge test.		    
xx 43533529 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 43533529 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 43533529 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 43533529 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final Application is missing from the loan file, however, values are taken from the initial application located st "xx".    
xx 43533529 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The CE failed for TILA Foreclosure Rescission Finance Charge Test.    
xx 43533529 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) xx    
xx 43533529 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA Foreclosure Rescission Finance Charge Test: FAIL loan data: $200,316.08, comparison data:  $200,398.08, variance:  -$82.00.    
xx 62208560 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 62208560 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 62208560 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit DTI Active B * DTI > 60% (Lvl 2) According to final application the total monthly income of the borrower is xx; however, total monthly expenses are in the amount of $3,963.02. Hence, DTI is xx  which is greater than xx%.    
xx 62208560 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx NPL General Active B * Water/Sewer Taxes (Lvl 3) According to the review of the updated title report dated xx/xx/xxxx, the utilities charge of the year xx are delinquent in  the amount ofxx.    
xx 62208560 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase risk indicator is moderate as the loan is failing for TILA Finance Charge Test, APR Test and Grace Period Test.    
xx 62208560 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx NPL NPL Active B * Payment History is not Complete (Lvl 3) Payment history is available in the file from xx/xx/xxxx toxx/xx/xxxx, however, we require latest 12 months payment history; Payment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 62208560 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 62208560 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the grace period test as;
Grace Period Test: FAIL 10Days 15Days -5Days
The loan has a grace period that does not conform to the requirements for the lender's license type in the state where the
property is located.

This loan failed the late fees test as;
Late Fees Test: FAIL 6.000% 3.000% +3.000%
The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is
located.		    
xx 62208560 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test as;
TILA Finance Charge Test: FAIL $629,951.78 $741,262.11 -$111,310.33
The finance charge is $741,262.11. The disclosed finance charge of $629,951.78 is not considered accurate because it is
understated by more than $100.
This loan failed the TILA APR test as;
TILA APR Test: FAIL 8.762% 9.817% -1.055%
The annual percentage rate (APR) is 9.817%. The disclosed APR of 8.762% is not considered accurate because it is more than
1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.		    
xx 65125514 xx 561 561-882 xx QM-TRID QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 65125514 xx 561 561-882 xx QM-TRID QC Complete New Jersey xx Legal Docs Doc Issue Active B * Title policy missing (Lvl 3) Missing Final Title Policy.  Title Commitment was reviewed at the time of this audit.    
xx 65125514 xx 561 561-882 xx QM-TRID QC Complete New Jersey xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 3) Missing Mortgage Insurance Certificate.    
xx 65125514 xx 561 561-882 xx QM-TRID QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) The CE risk indicator is "Elevated" because the loan failed the Qualified Mortgage DTI threshold test. This loan has a Qualified Mortgage DTI of 47.665% as the Borrower’s income is $xx with total expenses in the amount of $xx per AUS (Locator#xx). The loan has been underwritten by AUS with the recommendation "Approve/Eligible    
xx 65125514 xx 561 561-882 xx QM-TRID QC Complete New Jersey xx Legal Docs Mortgage Active B * Mortgage  (Lvl 4) This loan is FHA.  The loan originated xx as an FHA loan with case #xx.  No indication of any changes in loan type found in the loan file    
xx 68538138 xx 561 561-882 xx QM-TRID QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 68538138 xx 561 561-882 xx QM-TRID QC Complete California xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 3) Appraisal report at the time of origination of the loan is missing from the loan file.    
xx 68538138 xx 561 561-882 xx QM-TRID QC Complete California xx Legal Docs Doc Issue Active B * Missing Title evidence (Lvl 4) Final title policy at the time of origination is missing from the loan file and Title Commitment/Preliminary Policy are also not available from the loan file.    
xx 68538138 xx 561 561-882 xx QM-TRID QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 3) List of service provider disclosure is missing from the loan file.    
xx 68538138 xx 561 561-882 xx QM-TRID QC Complete California xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 3) MI Cert is missing from the loan file.    
xx 68538138 xx 561 561-882 xx QM-TRID QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 3) The following state (CA) disclosures are missing from the loan file:

1. Insurer Recommendation Disclosure
2. Anti-Tying Disclosure
3. Privacy Notice
4. Notice of Right to Copy of Appraisal
5. Fair Debt Collection Notice		    
xx 58625327 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 58625327 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 58625327 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal is missing from the loan file.    
xx 58625327 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated Business Disclosure is missing from the loan file.    
xx 58625327 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The ComplianceEase risk indicator is Moderate as this loan failed the TILA APR test and GSE (Fannie Mae public guidelines) Points and Fees Test.    
xx 58625327 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) The Final TIL is missing from the loan file.    
xx 58625327 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Doc Issue Active B * Missing Title evidence (Lvl 4) The final title policy is missing from the loan file. Also, there is no title commitment and preliminary title policy available in the file.    
xx 58625327 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) The Initial Escrow Account Disclosure is missing from the loan file.    
xx 58625327 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The List of Service Provider Disclosure is missing from the loan file.    
xx 58625327 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) The Loan Program Disclosure is missing from the loan file.    
xx 58625327 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Rvw shows prop. owner of record is not borr. (Lvl 2) xx    
xx 58625327 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) The operative index value is unable to be determined from the available loan files.    
xx 58625327 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) The ROR is missing from the loan file.    
xx 58625327 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The Servicing Transfer Disclosure is missing from the loan file.    
xx 58625327 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Florida State. However following disclosures are missing from the loan file.
·Anti-Coercion Notice
·Title Insurance Disclosure
·Radon Gas Disclosure
·Insurance Sales Disclosure		    
xx 58625327 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Legal Docs Active B * Updated title review shows IRS / vehicle / federal / personal tax liens (Lvl 2) There are two IRS liens against the borrower xx. The subject property address is matching with the documents.    
xx 58625327 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA APR test.The annual percentage rate (APR) is 12.481%. The disclosed APR of 0.000% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.    
xx 58625327 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * GSE Points and Fees Test Violations (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test: - On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.    
xx 47952869 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 47952869 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 47952869 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Property Active B * Property Damage (Lvl 2) As per the review of servicing commentsxx/xx/xxxx, the borrower stated  that there was small damage in the house and borrower was informed a window to repair it, borrower started
repairs but hasn't finish and Insurance Company won't renew in that scenario, borrower was informed repairs need to be completed and the Insurance agency will then write a new policy for the house.
The latest BPO reports are unavailable.		    
xx 47952869 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title review shows no release for prior mortgage (Lvl 3) As per the review of updated title report dated xx/xx/xxxx shows that the subject mortgage was dated xx.
The Final HUD-1 does not show any payoff of the senior mortgage. Also, final title policy is missing from loan file.
There is Satisfaction of Mortgage agreement found. However,Updated title states the release to be Signed by wrong party. hence unable to confirm if the prior mortgage is released.		    
xx 47952869 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL Along with Initial TIL is missing in the loan files.    
xx 47952869 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the given loan file.    
xx 47952869 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Doc Issue Active B * Missing Title evidence (Lvl 4) The final title policy is missing from the loan file. Also, there is no title commitment or preliminary title policy available in the file.    
xx 47952869 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) The Initial Escrow Account  disclosure document is missing in the given loan file.    
xx 47952869 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) The Loan program disclosure document is missing in the given loan file.    
xx 47952869 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The Notice of servicing Transfer document is missing in the given loan file.    
xx 47952869 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Required Affiliated Business disclosure document is missing in the given loan file.    
xx 47952869 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The Subject property is located in Florida (FL) state. The below Required State disclosures are missing in the given loan file.
1.Anti-Coercion Notice
2.Radon Gas Disclosure
3.Insurance Sales Disclosure
4.Title Insurance Disclosure		    
xx 47952869 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA APR test.
 The annual percentage rate (APR) is 12.507%. The disclosed APR of 0.000% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.		    
xx 47952869 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed TILA APR Test. Final TIL is missing from the loan file however APR considered as 0.00% to test Compliance.    
xx 47952869 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to determine an operative  index value  from the loan file.    
xx 76649377 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 76649377 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 76649377 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 76649377 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business form document is missing from the loan file.    
xx 76649377 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal Report  is missing from the loan file.    
xx 76649377 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final Application is missing from the loan file.    
xx 76649377 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 along with Estimated hud-1 and Itemization report  is missing from the loan file.    
xx 76649377 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 76649377 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Doc Issue Active B * Missing Title evidence (Lvl 4) Final title policy at origination is missing from the loan file. Also the commitment or preliminary policy are not available.    
xx 76649377 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service providers document is missing from the loan file.    
xx 76649377 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure document is missing from the loan file.    
xx 76649377 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 76649377 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing Transfer document is missing from the loan file.    
xx 76649377 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Florida, However, the following state disclosures are missing from the loan file.
1.Anti-Coercion Notice
2. Insurance Sales Disclosure.		    
xx 56125257 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 56125257 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 56125257 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from loan file.    
xx 56125257 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) CE risk indicator is moderate due to, TILA APR test.    
xx 56125257 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) CE TILA test failed duet to, This loan failed the TILA APR test.
The annual percentage rate (APR) is 6.402%. The disclosed APR of 0.000% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.		    
xx 56125257 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application is missing from loan file. However, values from the initial application doc loc (xx).    
xx 56125257 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from loan file.    
xx 56125257 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from loan file.    
xx 56125257 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Doc Issue Active B * Missing Title evidence (Lvl 4) Lender's final title policy / TPOL is missing from the loan file; and there are no title commitment or preliminary policy available in the entire loan file.    
xx 56125257 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service of provider is missing from loan file.    
xx 56125257 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is required for ARM loan; however document is missing from loan file.    
xx 56125257 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of Servicing Disclosure is missing from loan file.    
xx 56125257 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Operative Index Numerical Value Unavailable based on lender docs (Lvl 2) Operative index numerical value is unavailable as the supportive documents such as Loan program disclosure/Rate lock agreement/Closing instruction are missing from the loan file.    
xx 56125257 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 56125257 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in FL State; however, required state disclosure is missing from loan file.
Anti-Coercion Notice
Insurance Sales Disclosure		    
xx 72023902 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 72023902 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 72023902 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) As per review of updated title report dated xx/xx/xxxx the chain of assignment of mortgage in which gap between xx.    
xx 72023902 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final Application document is missing from the loan file.    
xx 72023902 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL document is missing from the loan file.    
xx 72023902 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Doc Issue Active B * Loan has escrow holdback. No proof it was released (Lvl 2) Loan has escrow holdback in the amount of xx. However there is no proof of the escrow holdback documents.    
xx 72023902 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Required Initial Escrow Account Disclosure is missing from the loan file.    
xx 72023902 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR document is missing from the loan file.    
xx 72023902 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated Business Disclosure is missing from the loan file.    
xx 72023902 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) The annual percentage rate (APR) is 12.067%. The disclosed APR of 0.000% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.    
xx 72023902 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The initial Escrow Account Disclosure and List of Service Provider Disclosure is missing from the loan file.    
xx 72023902 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) The loan program disclosure is missing from the loan file.    
xx 72023902 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The property is located in state of California. The following required State Disclosure is missing in the loan file.
1.Impound Account Disclosure
2.Cosigner Notice
3.Private Mortgage Insurance Disclosure
4.Earthquake Disclosure forCondominiums
5.Hazard Insurance Disclosure
6.Insurer RecommendationDisclosure
7.CA Fair Lending Notice
8.Anti-Tying Disclosure
9.Privacy Notice
10.Notice of Right to Copy of Appraisal
11.Application for Credit-Married Persons
12.Fair Debt Collection Notice
13.Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 72023902 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The Servicing Transfer disclosure is missing from the loan file.    
xx 72023902 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 72023902 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 72023902 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA APR test.    
xx 72023902 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to determine operative index value from the available loan files.    
xx 69216410 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from loan file.    
xx 69216410 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report is missing from loan file.    
xx 69216410 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) As per review of updated title report dated xx/xx/xxxx the chain of assignment of mortgage in which gap between 'xx’    
xx 69216410 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final Application is missing from the loan file.    
xx 69216410 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 is missing from loan file and also the estimated HUD-1 or Itemization are not available.    
xx 69216410 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from loan file.    
xx 69216410 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Doc Issue Active B * Missing Title evidence (Lvl 4) Final Title Policy at origination is missing from loan file. Also, there is no title commitment / preliminary title policy available in the file.    
xx 69216410 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Providers is missing from loan file.    
xx 69216410 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan Program Disclosure is missing from loan file.    
xx 69216410 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice Of Servicing TransferDisclosure is missing from the loan file.    
xx 69216410 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from loan file.    
xx 69216410 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The Subject property is located at Florida State and following required DIsclosures are missing from loan file.
Anti-Coercion Notice
Insurance Sales Disclosure		    
xx 69216410 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to confirm operative index value from available loan file.    
xx 17305350 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 17305350 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 17305350 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) Compliance Ease Risk Indicator is moderate as the loan is failing for TILA APR test:  Charged 0.000%  Allowed 6.386% Over By -6.386.
This loan failed the TILA APR test. ( 12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4) )
The annual percentage rate (APR) is 6.386%. The disclosed APR of 0.000% is not considered accurate because it is more than
1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.		    
xx 17305350 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
xx 17305350 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 17305350 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Following required State Disclosure is missing in the loan file.
1. Anti-Coercion Notice
2.Radon Gas Disclosure
3.Insurance Sales Disclosure		    
xx 17305350 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 17305350 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider disclosure is missing from the loan file.    
xx 17305350 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
xx 17305350 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of service transfer disclosure is missing from the loan file.    
xx 17305350 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index numerical value is unavailable as the supportive documents such as Loan program disclosure/Rate lock agreement/Closing instruction are missing from the loan file.    
xx 17305350 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from the loan file.    
xx 17305350 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR document is missing from the loan file.    
xx 17305350 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Appraisal Active B * Variation in Parcel number(APN#) (Lvl 3) xx    
xx 17305350 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Title Issue Active B * Title issue (Lvl 3) xx    
xx 41271984 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 41271984 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 41271984 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 41271984 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal report is missing from the loan file.    
xx 41271984 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Doc Issue Active B * Missing Title evidence (Lvl 4) Final Title Policy at origination is missing from the loan file. Also, there is no title commitment / preliminary title policy available in the file.    
xx 41271984 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow acct disclosure is missing from the loan file.    
xx 41271984 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from the loan file.    
xx 41271984 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
xx 41271984 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of service transfer disclosure is missing from the loan file.    
xx 41271984 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 41271984 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) The final TIL is missing from the loan file.    
xx 41271984 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The following disclosures are missing from the loan file,
1.Anti-Coercion Notice
2.Title Insurance Disclosure
3.Radon Gas Disclosure
4.Insurance Sales Disclosure		    
xx 41271984 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA APR test. ( 12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4) )
The annual percentage rate (APR) is 7.601%. The disclosed APR of 0.000% is not considered accurate because it is more than
1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.		    
xx 41271984 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) TILA APR Test: FAIL 0.000% 7.601% -7.601%.    
xx 80056530 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 80056530 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 80056530 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Property Active B * Property Damage (Lvl 2) According to servicing comment dated xx/xx/xxxx, the property was damaged due to the wind. The date of loss wasxx/xx/xxxx. The insurance claim was filed having claim#xx. The servicing comment dated xx/xx/xxxx states that loss draft check xx for wind. As per comment dated xx/xx/xxxx, the borrower had requested reimbursement of $10,500.00 which she had paid out of the pocket for the roof replacement.  As per comment dated xx/xx/xxxx, the first draw check(#xx) in the amount of $5,979.74 was issued to the borrower. The comment dated xx/xx/xxxx shows that one more loss draft check#xx  was received in the amount of $5,044.30 for wind damage. As per the comment dated xx/xx/xxxx, the request was made for the release of the remaining claim funds as the property repairs are 100% completed. After completing the 100% inspection, the final draw check(#xx)  for the amount of $9,235.36 was issued on xx/xx/xxxx as stated on the comment dated xx/xx/xxxx.    
xx 80056530 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 80056530 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 80056530 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final loan application / 1003 is missing from the loan file.    
xx 80056530 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The modification agreement made on xx, in which the lender has forgiven principal in the amount of $xx; however, the forgiven amount exceeds 2% of the modified principal balance. The new principal balance reflects in modification agreement is $xx.    
xx 80056530 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 7847398 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 7847398 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Compliance Compliance Active B * ComplianceEase Exceptions Test Failed (Lvl 2) ComplianceEase Exceptions Test failed due to CT license validation test result is failed.
First mortgage lender licenses and secondary mortgage lender licenses in existence on June 30th, 2008 shall be deemed on and
after July 1st, 2008, to be a mortgage lender license.
As of July 1, 2008 the Connecticut First Mortgage Lender License and the Connecticut Second Mortgage Lender License are no
longer valid. The Connecticut Mortgage Lender License is available for loans with a closing date before July 1st, 2008		    
xx 7847398 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) complianceEase risk indicator is Moderate due to Exceptions result is failed.    
xx 7847398 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Credit Doc Issue Active B * Application Not Signed by All Borrowers (Lvl 2) Final 1003 is available in the loan file but it is not sign by the borrower.    
xx 7847398 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 is available in the loan file but it is not sign by the borrower.    
xx 7847398 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 85842503 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file    
xx 85842503 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 85842503 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
xx 85842503 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file    
xx 85842503 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Unexecuted copy of Final HUD-1 is available in the loan file. The same HUD-1 is considered to update the fees.    
xx 80089513 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 80089513 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 80089513 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business form disclosure is missing from the loan file.    
xx 80089513 xx 561 561-882 xx Non-QM QC Complete Arizona xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD-1 is not signed by the borrower.    
xx 80089513 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
xx 80089513 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by the borrower.    
xx 72482334 xx 561 561-882 xx Non-QM QC Complete Oregon xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 72482334 xx 561 561-882 xx Non-QM QC Complete Oregon xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 72482334 xx 561 561-882 xx Non-QM QC Complete Oregon xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business form is missing from  the loan file.    
xx 72482334 xx 561 561-882 xx Non-QM QC Complete Oregon xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 72482334 xx 561 561-882 xx Non-QM QC Complete Oregon xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD-1 is not signed by the borrower.    
xx 72482334 xx 561 561-882 xx Non-QM QC Complete Oregon xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
xx 72482334 xx 561 561-882 xx Non-QM QC Complete Oregon xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index numerical value is unavailable as the supportive documents such as Loan program disclosure/Rate lock agreement/Closing instruction are missing from the loan file.    
xx 72482334 xx 561 561-882 xx Non-QM QC Complete Oregon xx Credit Doc Issue Active B * ROR Transaction date not consistent with Note and/or HUD (Lvl 2) The loan was originated on xx and ROR transaction date is xx.    
xx 72482334 xx 561 561-882 xx Non-QM QC Complete Oregon xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 72482334 xx 561 561-882 xx Non-QM QC Complete Oregon xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The property is located in the state of Oregon. The following required State Disclosures are missing in the loan file.
1.Oregon Forced Placed Insurance Notice
2.Notice where Escrow Account is NOT Required
3.Escrow Notice for Loans Sold to Out-of- State Purchases within one year
4.Anti-Coercion Notice
5.Insurance Premium Notice
6.Insurance Sales Notice
7.Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 12035440 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 12035440 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 12035440 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 12035440 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 12035440 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Property Active B * Property Damage (Lvl 2) As per the comment dated xx/xx/xxxx the [property had damage due to property having an underground pipe rupture in may 2016 which was not covered by her hazard insurance. She paid $11,000.00.    
xx 12035440 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 12035440 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
xx 12035440 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD-1 is not signed by borrower.    
xx 12035440 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 12035440 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by borrower.    
xx 12035440 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 12035440 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in CA State. The following state disclosures are missing in the loan files.

Impound Account Disclosure
Cosigner Notice
Private Mortgage Insurance Disclosure
Hazard Insurance Disclosure
Insurer Recommendation Disclosure
 Anti-Tying Disclosure
Privacy Notice
Notice of Right to Copy of Appraisal
Application for Credit-Married Persons
Fair Debt Collection Notice
Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 12035440 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to determine an operative index value because supportive documents are missing from the loan file.    
xx 21219153 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 21219153 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 21219153 xx 561 561-882 xx Non-QM QC Complete Arizona xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD-1 is not signed by borrower.    
xx 21219153 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider is missing from the loan file.    
xx 21219153 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active B * Operative Index Numerical Value Unavailable based on lender docs (Lvl 2) Operative index numerical value is unavailable as the supportive documents such as Loan program disclosure/Rate lock agreement/Closing instruction are missing from the loan file.    
xx 21219153 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from loan file.    
xx 21219153 xx 561 561-882 xx Non-QM QC Complete Arizona xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 21219153 xx 561 561-882 xx Non-QM QC Complete Arizona xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The loan modification agreement was made between xx on xx with new modified unpaid principal balance is $xx. The worksheet is available in loan file document loc (xx) shows that 18% principal of principal was reduced and remaining portion is UPB of $xx. The principal amount $xx has been permanently forgiven. Which is exceeds 2% of modified balance.    
xx 21219153 xx 561 561-882 xx Non-QM QC Complete Arizona xx Legal Docs Doc Issue Active B * Prepayment Rider Missing (Lvl 2) The subject loan has prepayment provision and the Prepayment rider is attached with Note but Prepayment rider is not attached with the recorded copy of Mortgage.    
xx 20487850 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 20487850 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 20487850 xx 561 561-882 xx Non-QM QC Complete Arizona xx NPL NPL Active B * NPL - Current balance lower than the tape balance by more than 25% (Lvl 3) According to payment history, the unpaid principal balance is reflected in the amount of xx however, the tape data showing as xx which is lower than the 25% of the actual unpaid principal balance.    
xx 20487850 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business disclosure is missing from the loan file.    
xx 20487850 xx 561 561-882 xx Non-QM QC Complete Arizona xx Valuation Doc Issue Active B * Appraisal not signed (Lvl 2) Appraisal is missing from the loan file.    
xx 20487850 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Compliance fails for TIL Finance Charge Test as Loan data is xx, Comparison data is xx and Variance is -$5,689.15.    
xx 20487850 xx 561 561-882 xx Non-QM QC Complete Arizona xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD-1 is not signed by the borrower.    
xx 20487850 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Other Disclosures Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from the loan file.    
xx 20487850 xx 561 561-882 xx Non-QM QC Complete Arizona xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The loan modification agreement consists of principal forgiven. Loan Modification agreement was made between borrower “xx.” The loan was modified with an effective date of xx and a new principal balance of $xx from which $xx has been deferred. In addition to this, there is a provision that $xx of the deferred principle balance is eligible for forgiveness. The forgiven amount exceeds 2% of the loan amount.    
xx 20487850 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test. The finance charge is $356,109.78. The disclosed finance charge of $350,420.63 is not considered accurate because it is
understated by more than $100.		    
xx 20487850 xx 561 561-882 xx Non-QM QC Complete Arizona xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 93441512 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 93441512 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 93441512 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 93441512 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
xx 93441512 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD-1 is not executed by the borrower.    
xx 93441512 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from the loan file.    
xx 93441512 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The following state (CA) disclosures are missing from the loan file:

1. Insurer Recommendation Disclosure
2. Anti-Tying Disclosure
3. Privacy Notice
4. Notice of Right to Copy of Appraisal
5. Fair Debt Collection Notice		    
xx 93441512 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Prepayment Rider Missing (Lvl 2) The loan has prepayment provision in Note but prepayment rider is not attached with the recorded copy of mortgage.    
xx 93441512 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The loan was modified on xx. The modified principal balance of the Note will include all amount of arrearage that will be past due as of the Modification effective date less any amounts paid to the Lender but not previously credited to the loan and less principal in the amount of $xx which has been forgiven. The forgiven amount is exceed 2% of the modification amount.    
xx 93441512 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 93441512 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * ROR Transaction date not consistent with Note and/or HUD (Lvl 2) The transaction date is mentioned in ROR/RTC as xx but Note date is xx    
xx 93441512 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Rvw shows prop. owner of record is not borr. (Lvl 2) xx    
xx 809680 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 809680 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 809680 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business form disclosure is missing from the loan file.    
xx 809680 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Doc Issue Active B * ROR Transaction date not consistent with Note and/or HUD (Lvl 2) As per ROR the transaction date is xx ,however the note date is xx.    
xx 809680 xx 561 561-882 xx Non-QM QC Complete Arizona xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 809680 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Title Review Active B * Active Judgment Against Borrower (Lvl 3) As per the updated title report dated xx/xx/xxxx , there are 21 hospital liens against the borrower xx    
xx 809680 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
xx 809680 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index value is unable to determine from the available loan file.    
xx 37012920 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 37012920 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 37012920 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Legal Docs Active B * Updated title review shows IRS / vehicle / federal / personal tax liens (Lvl 2) According to the updated title report dated xx/xx/xxxx, there are multiple xx.    
xx 37012920 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 37012920 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 37012920 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final loan application is missing from the loan file. However, the values are updated from the initial application dated "xx".    
xx 37012920 xx 561 561-882 xx Non-QM QC Complete California xx NPL General Active B * Recent Foreclosure Sale - Need Update (Lvl 3) xx    
xx 37012920 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan file.    
xx 37012920 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 37012920 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index value is unable to determine as supportive document is missing from the loan file.    
xx 37012920 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 37012920 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in California State. The following disclosures are missing from the loan file:
Impound Account Disclosure
Cosigner Notice
Private Mortgage Insurance Disclosure
Earthquake Disclosure forCondominiums
Hazard Insurance Disclosure
Insurer RecommendationDisclosure
CA Fair Lending Notice
Anti-Tying Disclosure
Privacy Notice
Notice of Right to Copy of Appraisal
Application for Credit-Married Persons
Fair Debt Collection Notice
Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application.		    
xx 37012920 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Property Active B * Subject property is located in a FEMA designated disaster area (recent). (Lvl 2) The subject property is located in the county where recent FEMA disaster is declared (California wild fires).    
xx 92817659 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 92817659 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 92817659 xx 561 561-882 xx Non-QM QC Complete Michigan xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business form is missing from the loan file.    
xx 92817659 xx 561 561-882 xx Non-QM QC Complete Michigan xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report at the time of origination of the loan is missing from the loan file.    
xx 92817659 xx 561 561-882 xx Non-QM QC Complete Michigan xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
xx 92817659 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Acct disclosure is missing from the loan file.    
xx 92817659 xx 561 561-882 xx Non-QM QC Complete Michigan xx Legal Docs Mortgage Active B * Mortgage  (Lvl 3) Legal description missing from Mortgage or legal page unrecorded but in the loan file unrecorded copy available with legal it can be cure with correct legal description.    
xx 92817659 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of servicing provider disclosure is missing from the loan file.    
xx 92817659 xx 561 561-882 xx Non-QM QC Complete Michigan xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer document is missing from the loan file.    
xx 92817659 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA Finance Charge Test: Actual $146,830.97 Required $147,209.10 Variance -$378.13
TILA Foreclosure Rescission Finance Charge Test
The finance charge is $147,209.10. The disclosed finance charge of $146,830.97 is not considered accurate because it is
understated by more than $100.
The finance charge is $147,209.10. The disclosed finance charge of $146,830.97 is not considered accurate for purposes of
rescission because it is understated by more than $35.		    
xx 92817659 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) TILA Finance Charge Test: Actual xx Required xx Variance -$378.13
TILA Foreclosure Rescission Finance Charge Test
The finance charge is xx. The disclosed finance charge of xx is not considered accurate because it is
understated by more than $100.
The finance charge is xx. The disclosed finance charge of xx is not considered accurate for purposes of
rescission because it is understated by more than $35.		    
xx 92817659 xx 561 561-882 xx Non-QM QC Complete Michigan xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 42918941 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 42918941 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 42918941 xx 561 561-882 xx Non-QM QC Complete Michigan xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 is missing in the loan file.    
xx 42918941 xx 561 561-882 xx Non-QM QC Complete Michigan xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by the borrower.    
xx 42918941 xx 561 561-882 xx Non-QM QC Complete Michigan xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer document is missing from the loan file.    
xx 42918941 xx 561 561-882 xx Non-QM QC Complete Michigan xx Legal Docs Doc Issue Active B * Prepayment Rider Missing (Lvl 2) The prepayment penalty term is reflects in original note, however the prepayment rider is missing from the loan file.    
xx 42918941 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in the state of Michigan. The following state disclosures are missing from the loan file.
1. MI Borrower's Bill of Rights
2. MI Consumer Caution and Homeownership Counseling Notice
3. Choice of Insurance Agent		    
xx 43520477 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 43520477 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 43520477 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Application Missing (Lvl 2) "Final loan application / 1003 is missing from the loan file."    
xx 43520477 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business form is missing from  the loan file.    
xx 43520477 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 43520477 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 43520477 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
xx 43520477 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer document is missing from the loan file.    
xx 43520477 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 43520477 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Property Active B * Subject property is located in a FEMA designated disaster area (recent). (Lvl 2) The subject property is located in the county where recent FEMA disaster is declared (California wild fires).    
xx 43520477 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) This Step modification agreement was made between lender xx. As per the modified term the new principal balances $xx and the deferred balance is in the amount of $xx, hence the interest-bearing balance is in the amount of $xx The lender has forgiven $xx, which exceeds 2% of the principal balance.    
xx 43494159 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 43494159 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 43494159 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Valuation Property Active B * Property Damage (Lvl 2) As per comment dated xx/xx/xxxx, the roof is tarped and it was not insurable and the estimated repairs are in the amount of $10,000.00; however, as per collection comments dated xx/xx/xxxx, the property condition is good and further information pertaining to that has not been found.    
xx 43494159 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 43494159 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 43494159 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated business disclosure is missing from the loan files.    
xx 43494159 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Application Missing (Lvl 2) The final loan application is missing from the loan files; however., the values are updated as per the prior application located at "xx".    
xx 43494159 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 43494159 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service providers is missing from the loan files.    
xx 62365341 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 62365341 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 62365341 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 62365341 xx 561 561-882 xx Non-QM QC Complete California xx Data Edit Data Edit Active B * Deceased Borrower(s) (Lvl 3) According to the collection comments dated xx/xx/xxxx, the primary borrower "xx" has been deceased on xx    
xx 62365341 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 62365341 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 62365341 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 2) xx    
xx 62365341 xx 561 561-882 xx Non-QM QC Complete California xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Collection comments are missing from xx/xx/xxxx toxx/xx/xxxx andxx/xx/xxxx toxx/xx/xxxx as we required latest 24 months complete collection comments. However, the information is updated from the prior collection comments which are available from xx/xx/xxxx toxx/xx/xxxx.    
xx 62365341 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) ComplianceEase Risk Indicator is Elevated.
The ComplianceEase risk indicator is "Elevated", due to
GSE (Freddie Mac public guidelines) Prepayment Penalty Test:

This loan failed the prepayment penalty test. ( Freddie Mac Bulletin 2013-16 )		    
xx 62365341 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD-1 is not signed by borrowers.    
xx 62365341 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final loan application is missing from the loan file.    
xx 62365341 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from the loan file.    
xx 62365341 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Operative Index Numerical Value Unavailable based on lender docs (Lvl 2) Operative index numerical value is unavailable as the supportive documents such as loan program disclosure/rate lock agreement/closing instruction are missing from the loan file.    
xx 62365341 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 62365341 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 62365341 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located at "California" state and this state requires following disclosures and all are missing from the loan file.

Impound Account Disclosure
Cosigner Notice
Private Mortgage Insurance Disclosure
Hazard Insurance Disclosure
Insurer Recommendation Disclosure
Anti-Tying Disclosure
Privacy Notice
Notice of Right to Copy of Appraisal
Application for Credit-Married Persons
Fair Debt Collection Notice
Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 65229566 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 65229566 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 65229566 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 65229566 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) CE result is Moderate because this loan has failed TILA Finance Charge Test and TILA Foreclosure Rescission Finance Charge Test.    
xx 65229566 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The List of Service Providers is missing from the loan file.    
xx 65229566 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The modification agreement was made between xx. The new principal balance is $xx from which $xx is deferred amount. This deferred amount if eligible for forgiveness if the borrower is not in default on new payments such that the equivalent of three full monthly payments are due and unpaid on the last day of any month, on each of the first, second and third anniversaries of xx.    
xx 65229566 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Operative Index Numerical Value Unavailable based on lender docs (Lvl 2) The operative index is unavailable in the loan documents.    
xx 65229566 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA Finance Charge Test: FAIL loan Data $297,832.18  Comparison Data $304,616.95  Variance -$6,784.77
TILA Foreclosure Rescission Finance Charge Test: FAIL loan Data $297,832.18  Comparison Data $304,616.95  Variance -$6,784.77		    
xx 32324602 xx 561 561-882 xx Non-QM QC Complete Nevada xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 32324602 xx 561 561-882 xx Non-QM QC Complete Nevada xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 32324602 xx 561 561-882 xx Non-QM QC Complete Nevada xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 32324602 xx 561 561-882 xx Non-QM QC Complete Nevada xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD-1 is not signed by the borrower.    
xx 32324602 xx 561 561-882 xx Non-QM QC Complete Nevada xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 32324602 xx 561 561-882 xx Non-QM QC Complete Nevada xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 32324602 xx 561 561-882 xx Non-QM QC Complete Nevada xx Credit Doc Issue Active B * ROR Transaction date not consistent with Note and/or HUD (Lvl 2) ROR transaction date is xx, HUD-1 settlement date is xx; however, note date is xx.    
xx 32324602 xx 561 561-882 xx Non-QM QC Complete Nevada xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 32324602 xx 561 561-882 xx Non-QM QC Complete Nevada xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 19745025 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 19745025 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 19745025 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 19745025 xx 561 561-882 xx Non-QM QC Complete California xx Data Edit Data Edit Active B * Deceased Borrower(s) (Lvl 3) According to the updated title report dated xx/xx/xxxx, the borrower,xx was deceased on xx. However, no details regarding the death certificate or probate has been found in the collection comments.

.		    
xx 19745025 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 19745025 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 19745025 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Following are the state disclosure which are missing from the loan file;
1. Impound Account Disclosure
2. Private Mortgage Insurance Disclosure
3. Insurer RecommendationDisclosure
4. Fair Debt Collection Notice
5. Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 19745025 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Provider is missing from the loan file.    
xx 19745025 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 19745025 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 19745025 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Property Active B * Subject property is located in a FEMA designated disaster area (recent). (Lvl 2) The subject property is located in the Ventura county where recent FEMA disaster is declared (California wild fires).    
xx 78686893 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 78686893 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 78686893 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) According to the modification agreement dated xx located at “xx”, the lender has forgiven principal amount of $xx which is exceeding 2% of modified principal balance of $xx.    
xx 78686893 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 78686893 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 78686893 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final loan application is missing from the loan file.    
xx 78686893 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 78686893 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index value is unable to calculate as supportive document is missing from the loan file.    
xx 78686893 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 78686893 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * ROR Transaction date not consistent with Note and/or HUD (Lvl 2) The subject property is located in California State and the subject mortgage was originated on xx. However, as per ROR, the settlement date is xx    
xx 78686893 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in California State. The following disclosures are missing from the loan file:
Impound Account Disclosure
Cosigner Notice
Private Mortgage Insurance Disclosure
Earthquake Disclosure forCondominiums
Hazard Insurance Disclosure
Insurer RecommendationDisclosure
CA Fair Lending Notice
Anti-Tying Disclosure
Privacy Notice
Notice of Right to Copy of Appraisal
Application for Credit-Married Persons
Fair Debt Collection Notice
Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application.		    
xx 78686893 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Property Active B * Subject property is located in a FEMA designated disaster area (recent). (Lvl 2) The subject property is located in the Los Angeles county where recent FEMA disaster is declared (California wild fires).    
xx 85428785 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 85428785 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 85428785 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 85428785 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD-1 is not executed by borrower.    
xx 85428785 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Mortgage - Missing required ARM Rider (Lvl 2) The loan is a ARM amortization but no ARM rider is attached to the recorded copy of subject mortgage.    
xx 85428785 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The loan was modified on xx has been forgiven which is exceeded 2% of the new modified principal balance amount. The borrower promises to pay the new principal balance of $xx through the new modified P&I of $xx with the new fixed interest rate of 5.390% beginning from xx to the new maturity date of xx    
xx 85428785 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 85428785 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) xx    
xx 85428785 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 68719476 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 68719476 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 68719476 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 68719476 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) As per the loan modification agreement made on xx However, there is a principal reduction alternative. The amount of $xx of the principal balance is eligible for forgiveness. (The deferred principal reduction Amount).  If the borrower makes monthly mortgage payments on time, the lender agrees to forgive 1/3rd portion of $xx of the principal balance of the loan on each of the first, second and Third anniversary. Latest payment history tape data is reflecting deferred balance as $xx and current UPB as $xx.    
xx 68719476 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 68719476 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application is missing from the loan file.    
xx 68719476 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow acct disclosure is missing from the loan file.    
xx 68719476 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from the loan file.    
xx 68719476 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 68719476 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The following disclosures are missing from the loan file,

1.Impound Account Disclosure
2.Cosigner Notice
3.Private Mortgage Insurance Disclosure
4.Hazard Insurance Disclosure
5.Insurer RecommendationDisclosure
6.CA Fair Lending Notice
7.Anti-Tying Disclosure
8.Privacy Notice
9.Notice of Right to Copy of Appraisal
10.Application for Credit-Married Persons
11.Fair Debt Collection Notice
12.Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 7398198 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 7398198 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 7398198 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 7398198 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD-1 is available in the loan file. However, it is not signed by borrower.    
xx 7398198 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) This loan failed the prepayment penalty test.
According to note there is prepayment penalty for the 3 year initiated.
The loan charges a prepayment penalty. Prepayment penalty mortgages are not eligible for sale to Freddie Mac.		    
xx 94927852 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 94927852 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 94927852 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan file.    
xx 94927852 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated Business Disclosure is missing from the loan file.    
xx 94927852 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 94927852 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider disclosure is missing from the loan file.    
xx 94927852 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * ROR Transaction date not consistent with Note and/or HUD (Lvl 2) The loan was originated on xx and the settlement date is xx; however ROR transaction date is xx which is not consistent with note/HUD-1.    
xx 94927852 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The property is located in CA state and the required disclosures are missing from the loan file.
Impound Account Disclosure
Private Mortgage Insurance Disclosure
Hazard Insurance Disclosure
Insurer RecommendationDisclosure
Anti-Tying Disclosure
Privacy Notice
Notice of Right to Copy of Appraisal
Application for Credit-Married Persons
Fair Debt Collection Notice
Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 94927852 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 78659930 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 78659930 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 78659930 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business disclosure is missing from the loan file.    
xx 78659930 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 78659930 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) As per modification agreement which was made between (borrower) xx, the lender has forgiven principal in the amount of $xx. However, the forgiven amount exceeds 2% of the modified principal balance which is $xx.    
xx 78659930 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 78659930 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
xx 78659930 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The following disclosures are missing from the loan file.
1. Impound Account Disclosure
2. Cosigner Notice
3. Private Mortgage Insurance Disclosure
4. Hazard Insurance Disclosure
5. Insurer RecommendationDisclosure
6. Anti-Tying Disclosure
7. Privacy Notice
8. Notice of Right to Copy of Appraisal
9. Application for Credit-Married Persons
10. Fair Debt Collection Notice
11. Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 78659930 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 55670168 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 55670168 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 55670168 xx 561 561-882 xx Non-QM QC Complete Illinois xx Valuation Property Active B * Property Damage (Lvl 2) According latest exterior BPO report (loc#xx) dated xx/xx/xxxx, the subject property was occupied by unknown and the property was in average condition. The estimated repairs cost has been noted for the exterior paint $2,500.00. No further details have been found.    
xx 55670168 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 55670168 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) xx     
xx 55670168 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Providers disclosure is missing from the loan file.    
xx 55670168 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 55670168 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 55670168 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 3960810 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 3960810 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 3960810 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 3960810 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Valuation Active B * Property Damage (Lvl 2) Collection comment dated on xx/xx/xxxx states that there is damage on the subject property due to hurricane which is occurred in xx. No damage amount is mentioned in the comment. No insurance claim will be filed yet.    
xx 3960810 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The affiliated business form disclosure is missing from the loan file.    
xx 3960810 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The comment history is available from xx/xx/xxxx to xx/xx/xxxx. However. latest 24 months comment history is required. The comment history is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 3960810 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The following state disclosures are missing from the loan file.
Anti-Coercion Notice, Title Insurance Disclosure, Radon Gas Disclosure and Insurance Sales Disclosure.		    
xx 3960810 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Other Disclosures Active B * Missing Required Disclosures (Lvl 2) The list of service providers disclosure is missing from the loan file.    
xx 3960810 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 3960810 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to determine the operative index value from the loan file.    
xx 42560696 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 42560696 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 42560696 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 42560696 xx 561 561-882 xx Non-QM QC Complete New York xx Data Edit Data Edit Active B * Litigation (Lvl 4) As per the comment dated xx/xx/xxxx, the loan is in litigation. The reason for litigation is not found. No further details have been found stating the litigation issue was resolved.    
xx 42560696 xx 561 561-882 xx Non-QM QC Complete New York xx Valuation Property Active B * Property Damage (Lvl 2) As per the comments, there are damages to the property. The estimated cost of repairs is not mentioned. The insurance claim was filed with xx. As per the comment dated xx/xx/xxxx, the check was received in the amount of $147912 and in the amount $8708.05 for water damage. Later a few more draws were received. As per the latest comments, no damages and repairs have been found.    
xx 42560696 xx 561 561-882 xx Non-QM QC Complete New York xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) As per the modification agreement made on xx, the new modified principal balance of note is in the amount of $xx The lender has agrees to forgiven principal in the amount of $xx, which is exceeding 2% of modification amount.    
xx 42560696 xx 561 561-882 xx Non-QM QC Complete New York xx NPL General Active B * Water/Sewer Taxes (Lvl 2) According to the review of the updated title report dated xx/xx/xxxx, the utilities charge of the year xx are delinquent in  the amount ofxx.    
xx 42560696 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application is missing from the loan file.    
xx 42560696 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Late Fees Test: FAIL 5.000% 2.000% +3.000%.    
xx 42560696 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosures is missing from the loan file.    
xx 42560696 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The following disclosures are missing from the loan file, NY Consumer Credit Disclosure / Fair Credit Reporting Notice, NY Interest Rate Disclosure, NY Hazard Insurance  Disclosure, Tax Escrow Account Designation, Mortgage Bankers and Exempt Organizations Preapplication, Part 80 Disclosure, Alternative Mortgage Transaction Disclosures, Co-Signer Notice Requirements, Default Warning Notice, Smoke Alarm Affidavit, New York Real Property Escrow Account Disclosure, Subprime Home Loan Counseling Disclosure, Subprime Home Loan Tax and Insurance Payment Disclosure, Subprime Home Loan Disclosure, Commitment Disclosure, Lock-in Disclosure and Expiration of Lock-in or Commitment Period.    
xx 42560696 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) xx    
xx 42560696 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 42560696 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the late fees test.
The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is
located.		    
xx 6461667 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 6461667 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 6461667 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The CE risk indicator is Moderate as the loan is failing Prohibited Fees Test.
This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test.  (N.J.S.A. §17:11C-23, N.J.A.C. §§3:1-16.2)
The loan does charge fee(s) not provided for in this act, which is prohibited.
State Regulations Restricted Fees Result Loan Data Comparison Data Variance Prohibited Fees Test: FAIL $3,342.00 $0.00 +$3,342.00.		    
xx 6461667 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The loan has been modified at least twice since origination with the latest modification agreement made between xx with a new principal balance of $xx to a fixed rate of 5.75% and a P&I payment in the amount of $ $xx beginningxx/xx/xxxx until the maturity date of xx.
As per MOD lender decided to forgive a principal amount of $xx which exceeds the modified UPB by more than 2%.		    
xx 6461667 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Required Affiliated Business Disclosure is missing from the loan file.    
xx 6461667 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Title Review Active B * Title Rvw shows prop. owner of record is not borr. (Lvl 2) xx    
xx 6461667 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test.  (N.J.S.A. §17:11C-23, N.J.A.C. §§3:1-16.2)
The loan does charge fee(s) not provided for in this act, which is prohibited.
State Regulations Restricted Fees Result Loan Data Comparison Data Variance Prohibited Fees Test: FAIL $3,342.00 $0.00 +$3,342.00.		    
xx 33014552 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 33014552 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 33014552 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 33014552 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan Program Disclosure is missing from the loan file.    
xx 33014552 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing Transfer Document is missing from the file.    
xx 33014552 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The List of Service Providers is missing from the loan file.    
xx 33014552 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The modification agreement was made between xx. The modified principal balance is $xx from which $xx is forgiven and the interest bearing amount (new principal balance) is $xx. The forgiven amount exceeds more than 2.00% of the modification amount.    
xx 89408152 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 89408152 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 89408152 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal report is missing from the loan file.    
xx 89408152 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated Business Disclosure is missing from the loan file.    
xx 89408152 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Application Missing (Lvl 2) The final application is missing from the loan file.    
xx 89408152 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) The initial Disclosure is missing from the loan file.    
xx 89408152 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider document is missing from the loan file.    
xx 89408152 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The loan has been modified once since origination. The borrower has been making the payments as per the loan modification agreement which was made on xx  between the borrower xx. As per the new modified terms, the new principal balance is xx. The lender agrees to forgive principal in the amount of $xx, which is exceeding 2.00% of modified principal balance.    
xx 89408152 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) The operative index value unable to determine from the available loan files.    
xx 89408152 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The property is located in state of California. The following required State Disclosure is missing in the loan file.
1.Impound Account Disclosure
2.Cosigner Notice
3.Private Mortgage Insurance Disclosure
4.Earthquake Disclosure forCondominiums
5.Hazard Insurance Disclosure
6.Insurer RecommendationDisclosure
7.CA Fair Lending Notice
8.Anti-Tying Disclosure
9.Privacy Notice
10.Notice of Right to Copy of Appraisal
11.Application for Credit-Married Persons
12.Fair Debt Collection Notice
13.Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 89408152 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 75996737 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 75996737 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 75996737 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 75996737 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * ROR Transaction date not consistent with Note and/or HUD (Lvl 2) According to note, loan was originated on xx, final HUD-1 shows  settlement date asxx. However, ROR shows transaction date as xx which is different from the note and final HUD-1 settlement date.    
xx 75996737 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Form Disclosure is missing from the loan file.    
xx 75996737 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD-1 is available in the loan file. However, it is not signed by borrower.    
xx 75996737 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
xx 75996737 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) This loan modification was done on xx (Lender).  The  new unpaid Principal balance is $178,167.45 and lender was agree to forgiven the principal balance in the amount of $35633.49 which is exceeding 2% of modification amount.    
xx 13458272 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 13458272 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 13458272 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 13458272 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider is missing from the loan file.    
xx 13458272 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index value is unable to confirm.    
xx 13458272 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) State Regulation Fail.    
xx 13458272 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the prepayment term test.
Prepayment Term Test: Actual 36Months required 0Months variance 36Months
The loan has a prepayment term that does not conform to the requirements for the lender's license type in the state where the
property is located.		    
xx 13458272 xx 561 561-882 xx Non-QM QC Complete Maryland xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) This loan modification was done on xx.  The amortization type is step and new unpaid Principal balance is $287,568.84 and lender agree to forgiven principal in the amount of $51,762.39 which is exceeding 2% of modification amount.    
xx 78212223 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 78212223 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 78212223 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business disclosure is missing from the loan file.    
xx 78212223 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD-1 present in the loan file is not signed by the borrower.    
xx 78212223 xx 561 561-882 xx Non-QM QC Complete California xx Credit Other Disclosures Active B * Missing Required Disclosures (Lvl 2) List of Service Providers disclosure is missing from the loan file.    
xx 78212223 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
xx 78212223 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * ROR Transaction date not consistent with Note and/or HUD (Lvl 3) ROR Transaction date updated as xx per the ROR which is not consistent with note date xx    
xx 78212223 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The loan modification agreement made between the borrower xx.  The UPB is xx, the deferred amount is $115,413.90, in addition, $115,413.90 of the deferred amount is eligible for forgiveness and the interest bearing amount is $230,000.00. The modification is a step modification. The forgiven amount exceeds 2% of the modification amount.    
xx 78212223 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Property Active B * Subject property is located in a FEMA designated disaster area (recent). (Lvl 2) The subject property is located in the county where recent FEMA disaster is declared (California wild fires).    
xx 90159859 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 90159859 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 90159859 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Form is missing from the loan file.    
xx 90159859 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) As per modification agreement which was made on xx”.  The lender has forgiven principal in the amount of $xx. However, the forgiven amount exceeds 2% of the modified principal balance.    
xx 90159859 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * ROR Transaction date not consistent with Note and/or HUD (Lvl 2) As per the ROR document, the ROR transaction date is xx which is different from the note xx.    
xx 90159859 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Property Active B * Property Damage (Lvl 2) As per the servicing comment dated xx/xx/xxxx, there was water damaged on the subject property. The date of loss was on xx/xx/xxxx. The borrower filed a claim to the insurance company. As per the comment dated xx/xx/xxxx, they issued check #xx in the amount of $2,603.84 which was received on xx/xx/xxxx. Also, as per the comment dated xx/xx/xxxx the loss draft was found with the check #xx in the amount of $12,401.13 which was received on xx/xx/xxxx; however, unable to determine the nature of the damage. No, further details related to damage or repair have been found.    
xx 90159859 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 90159859 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) The chain of assignment is incomplete as there is a break in chain of assignment from xx to xx.    
xx 90159859 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Application Missing (Lvl 2) The final application/1003 is missing from the loan file.    
xx 90159859 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in California State. The following required state disclosures are missing from the loan file.
1. Impound Account Disclosure.
2. Cosigner Notice.
3. Private Mortgage Insurance Disclosure.
4. Hazard Insurance Disclosure.
5. Insurer RecommendationDisclosure.
6. Anti-Tying Disclosure.
7. Privacy Notice.
8. Notice of Right to Copy of Appraisal.
9. Application for Credit-Married Persons.
10. Fair Debt Collection Notice.
11. Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application.		    
xx 90159859 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to determine operative index value from the available loan file.    
xx 57095204 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 57095204 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 57095204 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Application Missing (Lvl 2) "Final loan application / 1003 is missing from the loan file."    
xx 57095204 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business form is missing from  the loan file.    
xx 57095204 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 57095204 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 57095204 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Mortgage - Missing required ARM Rider (Lvl 2) The required ARM rider is missing from the loan file.    
xx 57095204 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) This Step modification agreement was made between lender xx. As per the modified term the new principal balances $xx. The lender has forgiven $xx, which exceeds 2% of principal balance.    
xx 90228425 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 90228425 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 90228425 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 90228425 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) As per modification agreement which was made on xx. The lender has forgiven principal in the amount of $xx. However, the forgiven amount exceeds 2% of the modified principal balance.    
xx 90228425 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD is not signed by the borrower.    
xx 90228425 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 90228425 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
xx 90228425 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated business disclosure is missing from the loan file.    
xx 90228425 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 90228425 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The following disclosures are missing from the loan file.
1. Anti-Coercion Notice
2. Radon Gas Disclosure
3. Insurance Sales Disclosure		    
xx 90228425 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to determine operative index value.    
xx 31952656 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 31952656 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 31952656 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business disclosure is missing from the loan file.    
xx 31952656 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 is missing from the loan file ; however the values consider from the initial application.    
xx 31952656 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) HUD is not sign by borrower.    
xx 31952656 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider disclosures is missing from the loan file.    
xx 31952656 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 31952656 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The Loan Modification Agreement consists of principle forgiven. As per MOD dated xx, the new modified principle balance is in the amount of xx in which $45,200.00 is deferred. In addition to this, there is a provision that $45,200.00 of the deferred principle balance is eligible for forgiveness. It’s been provided that the borrower will not be in default on his new payments for three full monthly consecutive payments. Then the lender shall reduce on each of the first, second & third anniversaries of xx the deferred principle balance in installments equal to the one-third of the deferred principle reduction amount.    
xx 31952656 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in California State and the CA state requires total 12 disclosures, all are missing from the loan file.
1) Impound Account Disclosure
2) Cosigner Notice
3) Private Mortgage Insurance Disclosure
4) Hazard Insurance Disclosure
5) Insurer Recommendation Disclosure
6) CA Fair Lending Notice
7) Anti-Tying Disclosure
8) Privacy Notice
9) Notice of Right to Copy of Appraisal
10) Application for Credit-Married Persons
11) Fair Debt Collection Notice
12) Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 22041576 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 22041576 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 22041576 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) According to the modification, the loan was modified on xx between the xx .As per the modification, If borrower not in default on new payments such that the equivalent of three full monthly payments are due and unpaid on the last day of any month, on each of the first second and third anniversaries of xx the lender shall forgive the deferred principal balance to one-third amount ($46,011.59) of the deferred principal reduction amount which exceeds the modified UPB by more than 2%.    
xx 22041576 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from loan file.    
xx 22041576 xx 561 561-882 xx Non-QM QC Complete California xx Data Edit Data Edit Active B * Deceased Borrower(s) (Lvl 3) According to the updated title report dated xx/xx/xxxx, the borrower,xx was deceased on xx. However, no details regarding the death certificate or probate has been found in the collection comments.

.		    
xx 22041576 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD-1 is not signed by the borrower, However unsigned copy of Final Hud-1 is available in loan file.    
xx 22041576 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Doc Issue Active B * Missing flood cert (Lvl 2) Flood Cert. is missing from loan file.    
xx 22041576 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 22041576 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from loan file.    
xx 22041576 xx 561 561-882 xx Non-QM QC Complete California xx Credit Other Disclosures Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from loan file.    
xx 22041576 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * ROR Transaction date not consistent with Note and/or HUD (Lvl 2) ROR dated after note date.    
xx 22041576 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 22041576 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Rvw shows prop. owner of record is not borr. (Lvl 2) xx    
xx 43367468 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 43367468 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 43367468 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 43367468 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * ROR Transaction date not consistent with Note and/or HUD (Lvl 2) The loan was originated on xx and the ROR transaction date is xx.    
xx 43367468 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The property is located in state of California. The following required State Disclosure is missing in the loan file. 1.Impound Account Disclosure 2.Cosigner Notice 3.Private Mortgage Insurance Disclosure 4.Earthquake Disclosure for Condominiums 5.Hazard Insurance Disclosure 6.Insurer Recommendation Disclosure 7.CA Fair Lending Notice 8.Anti-Tying Disclosure 9.Privacy Notice 10.Notice of Right to Copy of Appraisal 11.Application for Credit-Married Persons 12.Fair Debt Collection Notice 13.Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application    
xx 43367468 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Required Affiliated Business disclosure document is missing in the given loan file.    
xx 24994250 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 24994250 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 24994250 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 24994250 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Form Disclosure is missing from the loan file.    
xx 24994250 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD-1 is available in the loan file. However, it is not signed by borrower.    
xx 24994250 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
xx 24994250 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing Transfer Document is missing from the loan file.    
xx 24994250 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Property Active B * Subject property is located in a FEMA designated disaster area (recent). (Lvl 2) The subject property is located in the county where recent FEMA disaster is declared (California wild fires).    
xx 19338510 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 19338510 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 19338510 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from loan files    
xx 19338510 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Impound Account Disclosure, Private Mortgage Insurance Disclosure, Earthquake Disclosure forCondominiums, Insurer RecommendationDisclosure, Anti-Tying Disclosure, Notice of Right to Copy of Appraisal, Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application are missing from loan files    
xx 19338510 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Property Active B * Subject property is located in a FEMA designated disaster area (recent). (Lvl 2) The subject property is located in the Los Angeles county where recent FEMA disaster is declared (California wild fires).    
xx 16241132 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) Affiliated business disclosure is missing from loan files.    
xx 16241132 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Anti-Coercion Notice, Title Insurance Disclosure, Insurance Sales Disclosure, Radon Gas Disclosure are missing from loan files    
xx 16241132 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) As per the modification agreement made on xx, the new modified payment balance of note is in the amount of $162,000.00. The lender has agree to forgiven principal in the amount of $40,961.99  which is exceeding 2% of modification.    
xx 16241132 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1) ComplianceEase exceptions test incomplete.    
xx 16241132 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1) ComplianceEase RESPA Test Incomplete.    
xx 47563207 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 47563207 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 47563207 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 47563207 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Property Active B * Property Damage (Lvl 2) As per the comment dated xx/xx/xxxx, there are damages to the property due to the hurricane. The insurance was filed and the claim amount is $7755.49. The check was received on xx in the amount $7755.49. Further, no comments have been found stating these damages have been resolved. Latest BPO also not found. Actual damage amount is not available.    
xx 47563207 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application is missing from the loan file.    
xx 47563207 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 47563207 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) Per modification agreement made on xx, the new principal balance is $xx. The lender has forgiven principal amount in the amount of $xx, which is exceeding 2% of modification amount.    
xx 47563207 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The following disclosures are missing from the loan file, Anti-Coercion Notice, Title Insurance Disclosure, Radon Gas Disclosure, and Insurance Sales Disclosure    
xx 50369000 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 50369000 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 50369000 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 50369000 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 50369000 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Legal Docs Active B * Updated title review shows IRS / vehicle / federal / personal tax liens (Lvl 2) As per updated title report on dated xx/xx/xxxx,however the there are three junior IRS liens in the total amount of xx:
1.IRS liens in the amount of xx.
2.IRS liens in the amount of xx.
3.IRS liens in the amount of xx.		    
xx 50369000 xx 561 561-882 xx Non-QM QC Complete California xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Comment history is available from xx/xx/xxxx toxx/xx/xxxx. However, we require the latest 24 months comment history. Comment history missing from xx/xx/xxxx toxx/xx/xxxx and xx/xx/xxxx to xx/xx/xxxx.    
xx 50369000 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD-1 not signed by all borrowers from the loan file.    
xx 50369000 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Operative Index Numerical Value Unavailable based on lender docs (Lvl 2) Operative index numerical value is unavailable as the supportive documents such as Loan program disclosure/Rate lock agreement/Closing instruction are missing from the loan file.    
xx 50369000 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure missing from the loan file.    
xx 50369000 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Required State disclosure in missing from the below list.
1.Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application
2.Fair Debt Collection Notice
3.Notice of Right to Copy of Appraisal
4.Notice of Right to Copy of Appraisal
5.Privacy Notice
6.Anti-Tying Disclosure
7.Insurer RecommendationDisclosure
8.Hazard Insurance Disclosure
9.Private Mortgage Insurance Disclosure
10.Cosigner Notice
11.Impound Account Disclosure		    
xx 50369000 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * ROR Transaction date not consistent with Note and/or HUD (Lvl 2) ROR transaction date not consistent with Note  and HUD from the loan file.    
xx 50369000 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 50369000 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The modification agreement was made on xx. According to modification, the lender agrees to forgive principal in the amount of $xx which exceeds 2.00% of the modified principal balance.    
xx 50369000 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 44255653 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 44255653 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 44255653 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 44255653 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 44255653 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 44255653 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 44255653 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan Program disclosure is missing from the loan file.    
xx 44255653 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * ROR Transaction date not consistent with Note and/or HUD (Lvl 2) ROR transaction date is xx which is not consistent with the note and HUD.    
xx 44255653 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The following disclosures are missing from the loan file.
1. Impound Account Disclosure
2. Cosigner Notice
3. Private Mortgage Insurance Disclosure
4. Hazard Insurance Disclosure
5. Insurer RecommendationDisclosure
6. Anti-Tying Disclosure
7. Privacy Notice
8. Notice of Right to Copy of Appraisal
9. Application for Credit-Married Persons
10. Fair Debt Collection Notice
11. Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 44255653 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to determine operative index value from the loan file.    
xx 20563469 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 20563469 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 20563469 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 20563469 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 20563469 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final loan application /1003 is missing from the loan file.    
xx 20563469 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of the service providers is missing from the loan file.    
xx 20563469 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The following disclosures are missing from the loan file.
1. Impound Account Disclosure
2. Cosigner Notice
3. Private Mortgage Insurance Disclosure
4. Hazard Insurance Disclosure
5. Insurer RecommendationDisclosure
6. Anti-Tying Disclosure
7. Privacy Notice
8. Notice of Right to Copy of Appraisal
9. Application for Credit-Married Persons
10. Fair Debt Collection Notice
11. Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 20563469 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 20563469 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Legal Docs Active B * Updated title review shows IRS / vehicle / federal / personal tax liens (Lvl 2) The review of the updated title report dated xx/xx/xxxx shows that there is an IRS lien in the favor of xx.    
xx 20563469 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Property Active B * Subject property is located in a FEMA designated disaster area (recent). (Lvl 2) The subject property is located in the county where recent FEMA disaster is declared (California wild fires).    
xx 20563469 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to determine operative index value from the loan file.    
xx 15715221 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 15715221 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report at the time of origination of the loan is missing from the loan file.    
xx 15715221 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 15715221 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer document is missing from the loan file.    
xx 15715221 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA Finance Charge Test: Actual $145,290.69 Required $145,824.69 Variance -$534.00
TILA Foreclosure Rescission Finance Charge Test
The finance charge is $145,824.69. The disclosed finance charge of $145,290.69 is not considered accurate because it is
understated by more than $100.
The finance charge is $145,824.69. The disclosed finance charge of $145,290.69 is not considered accurate for purposes of
rescission because it is understated by more than $35.		    
xx 15715221 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) TILA Finance Charge Test: Actual xx Required xx Variance -$534.00
TILA Foreclosure Rescission Finance Charge Test
The finance charge is xx. The disclosed finance charge of xx is not considered accurate because it is
understated by more than $100.
The finance charge is xx. The disclosed finance charge of xx is not considered accurate for purposes of
rescission because it is understated by more than $35.		    
xx 2469803 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 2469803 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 2469803 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 2469803 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 2469803 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 2469803 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 2469803 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Mortgage - Missing required ARM Rider (Lvl 2) ARM rider is missing from the loan file.    
xx 2469803 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider document is missing from the loan file.    
xx 2469803 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The property is located in state of California. The following required State Disclosures are missing from the loan file.
1. Impound Account Disclosure
2. Cosigner Notice
3. Private Mortgage Insurance Disclosure
4. Earthquake Disclosure forCondominiums
5. Hazard Insurance Disclosure
6. Insurer RecommendationDisclosure
7. CA Fair Lending Notice
8. Anti-Tying Disclosure
9. Privacy Notice
10. Notice of Right to Copy of Appraisal
11. Application for Credit-Married Persons
12. Fair Debt Collection Notice
13. Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 2469803 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
xx 2469803 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to determine an operative index value as the supportive documents are missing from the loan file.    
xx 8163284 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 8163284 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 8163284 xx 561 561-882 xx Non-QM QC Complete California xx Data Edit Data Edit Active B * Deceased Borrower(s) (Lvl 3) According document located at "xx", the borrower, xxxx, was deceased.    
xx 8163284 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) According to the modification agreement dated xx, the new principal balance is xx and the lender has forgiven principal in the amount of $xx which exceeds 2% of modified principal balance of $xx.    
xx 8163284 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Legal Docs Active B * Updated title review shows IRS / vehicle / federal / personal tax liens (Lvl 2) According to the updated title report dated xx/xx/xxxx, there are multiple IRS liens against the borrower xx.  However, middle name of the defendant provided on supportive document does not match with middle name of the borrower.    
xx 8163284 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 8163284 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 8163284 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 8163284 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index value is unable to confirm as supportive document is missing from the loan file.    
xx 8163284 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 8163284 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * ROR Transaction date not consistent with Note and/or HUD (Lvl 2) The subject mortgage was originated on xx. However, as per ROR, the transaction date is xx.    
xx 8163284 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in California State. The following disclosures are missing from the loan file:
Impound Account Disclosure
Cosigner Notice
Private Mortgage Insurance Disclosure
Earthquake Disclosure forCondominiums
Hazard Insurance Disclosure
Insurer RecommendationDisclosure
CA Fair Lending Notice
Anti-Tying Disclosure
Privacy Notice
Notice of Right to Copy of Appraisal
Application for Credit-Married Persons
Fair Debt Collection Notice
Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application.		    
xx 8163284 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Mortgage - Missing required ARM Rider (Lvl 2) This is Negative ARM Pick a Payment loan. However, ARM rider is missing from the loan file.    
xx 95967809 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 95967809 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 95967809 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 95967809 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider disclosure is missing from the loan file.    
xx 95967809 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of service transfer disclosure is missing from the loan file.    
xx 95967809 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from the loan file.    
xx 95967809 xx 561 561-882 xx Non-QM QC Complete Arizona xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The Loan Modification Agreement consists of principle forgiven. As per MOD dated xx, the new modified principle balance is in the amount of xx in which $40,833.56 is deferred. In addition to this, there is a provision that $40,833.56 of the deferred principle balance is eligible for forgiveness. It’s been provided that the borrower will not be in default on his new payments for three full monthly consecutive payments. Then the lender shall reduce on each of the first, second & third anniversaries of xx the deferred principle balance in installments equal to the one-third of the deferred principle reduction amount. As per the latest available payment history and collection comments, the borrower is delinquent from xx.    
xx 44034228 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 44034228 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 44034228 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 44034228 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Property Active B * Property Damage (Lvl 2) As per the servicing comment dated xx/xx/xxxx the house was damaged in fire on xx/xx/xxxx. The comment dated xx/xx/xxxx also states that the house was burnt. No further information found. It is out of scope as it is not within 24 month comments.    
xx 44034228 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 44034228 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 44034228 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The loan modification agreement was made between borrower and lender xx. According to the modification the principal balance after capitalization was in the amount of xx and principal balance after reduction is $165,264.43. Therefore, there is a reduction in principal balance in the amount of $79,143.73, which exceeds 2% of modified balance. The modification worksheet (xx) for the same mod shows 32.00% principal reduction.    
xx 73168595 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 73168595 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 73168595 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 73168595 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 73168595 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) The Final HUD is not executed by the borrower however it is stamped true exact copy of the original and is executed by the Settlement Agent.    
xx 75554082 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 75554082 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 75554082 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 75554082 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) xx    
xx 75554082 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD-1 is not executed by the borrower.    
xx 75554082 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated Business Disclosure is missing from the loan file.    
xx 75554082 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider disclosure is missing from the loan file.    
xx 75554082 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The modification agreement was made between (Borrower) xx. As per this modification, the new principal balance is $xx from which $xx is deferred amount. This deferred amount if eligible for forgiveness if the borrower is not in default on his new payments such that the equivalent of three full monthly payments are due and unpaid on the last day of any month, on each of the first, second and third anniversaries of xx/xx/xxxx.    
xx 75554082 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 75554082 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Florida State and the required disclosures are missing from the loan file as follow.
Anti-Coercion Notice
Insurance Sales Disclosure		    
xx 66056874 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 66056874 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 66056874 xx 561 561-882 xx Non-QM QC Complete Arizona xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 66056874 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Doc Issue Active B * ROR Transaction date not consistent with Note and/or HUD (Lvl 2) According to the ROR, the transaction is xx; however, the loan originated on xx.    
xx 66056874 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 66056874 xx 561 561-882 xx Non-QM QC Complete Arizona xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) As per modification agreement which was made on xx.
The lender has forgiven principal in the amount of $xx. However, the forgiven amount exceeds 2% of the modified principal balance.		    
xx 66056874 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Other Disclosures Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from the loan file.    
xx 57473489 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 57473489 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 57473489 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Mortgage - Missing required ARM Rider (Lvl 2) ARM rider is not attached with the recorded copy of Mortgage.    
xx 57473489 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 57473489 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 57473489 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider is missing from loan file.    
xx 57473489 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * ROR Transaction date not consistent with Note and/or HUD (Lvl 2) ROR transition date is xx which is after the note date.    
xx 57473489 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 57473489 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Mortgage Active B * Mortgage  (Lvl 2) Subject loan was originated under jumbo loan category.    
xx 57473489 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The Loan Modification Agreement consists of principle forgiven. As per MOD dated xx, the new modified principle balance is in the amount of $506,747.46 in which $76,072.46 is deferred. In addition to this, there is a provision that $76,072.46 of the deferred principle balance is eligible for forgiveness. It’s been provided that the borrower will not be in default on his new payments for three full monthly consecutive payments. Then the lender shall reduce on each of the first, second & third anniversaries of xx the deferred principle balance in installments equal to the one-third of the deferred principle reduction amount. As per the latest available payment history and collection comments, the borrower is making the payment well as-of xx. We are unable to determine whether the lender forgive the principle or not.    
xx 57473489 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in CA State; however, required state disclosure is missing from loan file.
1. Private Mortgage Insurance Disclosure.
2. Hazard Insurance Disclosure.
3. Insurer RecommendationDisclosure.
4. Anti-Tying Disclosure.
5. Privacy Notice.
6. Notice of Right to Copy of Appraisal.
7. Application for Credit-Married Persons.
8. Fair Debt Collection Notice.
9. Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application.		    
xx 57473489 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Legal Docs Active B * Updated title review shows IRS / vehicle / federal / personal tax liens (Lvl 2) Updated dated report xx/xx/xxxx shows that there is IRS lien against the borrower in amount of xx.    
xx 67097783 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) "The property is located in state of California. The following required State Disclosure is missing in the loan file. 1.Impound Account Disclosure 2.Cosigner Notice 3.Private Mortgage Insurance Disclosure 4.Earthquake Disclosure forCondominiums 5.Hazard Insurance Disclosure 6.Insurer RecommendationDisclosure 7.CA Fair Lending Notice 8.Anti-Tying Disclosure 9.Privacy Notice 10.Notice of Right to Copy of Appraisal 11.Application for Credit-Married Persons 12.Fair Debt Collection Notice 13.Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application"    
xx 67097783 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 67097783 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 67097783 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) xx    
xx 67097783 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 67097783 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service providers is missing from the loan files.    
xx 67097783 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The modification agreement was done between the borrower xx. As per the modified terms, new principal balance is $xx. The modification has a principal forgiven in the amount of $xx, which exceeds 2% of the modified amount.    
xx 67097783 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Required Affiliated Business disclosure document is missing in the given loan file.    
xx 67097783 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to confirm operative index value from available loan file.    
xx 2368416 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 2368416 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 2368416 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Property Active B * Property Damage (Lvl 2) As per the comment dated xx/xx/xxxx, the subject property was damaged. The pipes are broken due to water. The date of loss wasxx/xx/xxxx. The comment dated xx/xx/xxxx stated that the check has been received for the amount of $5,494.80 and  xx. The further comment stated that the 100% repair has been completed. The latest BPO reports are not available. The latest collection comment does not reflect any damage to the subject property.    
xx 2368416 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Mortgage Active B * Mortgage  (Lvl 2) Subject loan was originated under jumbo loan category.    
xx 2368416 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Application Missing (Lvl 2) The final application is missing from the loan file.    
xx 2368416 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) The initial Disclosure is missing from the loan file.    
xx 2368416 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider document is missing from the loan file.    
xx 2368416 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The loan was modified once since origination. The borrower is currently making payments are per the modification agreement which was made on xx. As per the new modified terms, the new principal balance is $xx. The lender agrees to forgive principal in the amount of $xx, which is exceeding 2.00% of modified principal balance.    
xx 2368416 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) The operative index value unable to determine from the available loan files.    
xx 2368416 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The property is located in state of California. The following required State Disclosure is missing in the loan file.
1.Impound Account Disclosure
2.Cosigner Notice
3.Private Mortgage Insurance Disclosure
4.Earthquake Disclosure forCondominiums
5.Hazard Insurance Disclosure
6.Insurer RecommendationDisclosure
7.CA Fair Lending Notice
8.Anti-Tying Disclosure
9.Privacy Notice
10.Notice of Right to Copy of Appraisal
11.Application for Credit-Married Persons
12.Fair Debt Collection Notice
13.Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 2368416 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
xx 2368416 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 2368416 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 13225101 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 13225101 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 13225101 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 13225101 xx 561 561-882 xx Non-QM QC Complete Texas xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 13225101 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 13225101 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 13225101 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final Application/1003 is missing from the loan file.    
xx 13225101 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of servicing providers disclosure is missing from the loan file.    
xx 13225101 xx 561 561-882 xx Non-QM QC Complete Texas xx Legal Docs Doc Issue Active B * Condo / PUD rider Missing (Lvl 2) The property is part of planned unit development; However, the PUD rider is missing from the loan file.    
xx 54332420 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 54332420 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 54332420 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 54332420 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD-1 is not executed by both the borrowers.    
xx 54332420 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from the loan file    
xx 54332420 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index numerical value is unavailable as the supportive documents such as Loan program disclosure/Rate lock agreement/Closing instruction are missing from the loan file.    
xx 54332420 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The following state (CA) disclosures are missing from the loan file:

1. Insurer Recommendation Disclosure
2. Anti-Tying Disclosure
3. Privacy Notice
4. Notice of Right to Copy of Appraisal
5. Fair Debt Collection Notice		    
xx 54332420 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Prepayment Rider Missing (Lvl 2) The loan has prepayment provision in Note but prepayment rider is not attached with the recorded copy of mortgage.    
xx 54332420 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The modification agreement consists of forgiven principal balance.
The loan was modified on xx with the new principal balance of $xx and out of which $xx was forgiven permanently and borrower promises to pay the new modified P&I of $1,319.08 with the new fixed interest rate of 5.040% beginning from xx/xx/xxxx to the new maturity date of xx/xx/xxxx.		    
xx 54332420 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Mortgage - Missing required ARM Rider (Lvl 2) The Note is ARM Pick-A-Payment option but no ARM rider is attached with recorded copy of the mortgage.    
xx 54332420 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) xx    
xx 54332420 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 77577296 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 77577296 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 77577296 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Title Review Active B * Active State Tax Lien Judgement. (Lvl 2) According to updated title report dated xx/xx/xxxx, there are two state tax liens active against the xx.    
xx 77577296 xx 561 561-882 xx Non-QM QC Complete Virginia xx Legal Docs Legal Docs Active B * Updated title review shows IRS / vehicle / federal / personal tax liens (Lvl 2) According to updated title report dated xx/xx/xxxx, there is an IRS lien against the xx.    
xx 77577296 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application is missing from the loan file.    
xx 77577296 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * Operative Index Numerical Value Unavailable based on lender docs (Lvl 2) Operative index value unavailable based on lender docs.    
xx 77577296 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated Business Disclosure is missing from the loan file.    
xx 77577296 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The List of Service Provider Disclosure is missing from the loan file.    
xx 77577296 xx 561 561-882 xx Non-QM QC Complete Virginia xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The loan modification agreement was made between xx (borrower) and xx (lender) on xx with the new modified Unpaid principal balance is $xx. The amount $xx has been forgiven which exceeds 2% of modified principal balance.    
xx 77577296 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) The Loan Program Disclosure is missing from the loan file.    
xx 77577296 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in the Virginia state. The following state disclosures are missing from the loan file:
·VA Application Disclosure
·Choice of Settlement Agent Disclosure
·Disclosure of Charges For Appraisal or Valuation
·Copy of Appraisal or Statement of Appraised Value
·Affiliated Business Disclosure		    
xx 68932772 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 68932772 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 68932772 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 68932772 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 68932772 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 68932772 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative Index value is unable to determine from the loan files.    
xx 68932772 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * ROR Transaction date not consistent with Note and/or HUD (Lvl 2) ROR transaction date is xx which is not consistent with the note and HUD.    
xx 68932772 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 68932772 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in California State. The following required state disclosures are missing from the loan file.
1.Impound Account Disclosure
2.Cosigner Notice
3.Private Mortgage Insurance Disclosure
4.Earthquake Disclosure forCondominiums
5.Hazard Insurance Disclosure
6.Insurer RecommendationDisclosure
7.CA Fair Lending Notice
8.Anti-Tying Disclosure
9.Privacy Notice
10.Notice of Right to Copy of Appraisal
11.Application for Credit-Married Persons
12.Fair Debt Collection Notice
13.Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 69884485 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 69884485 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 69884485 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Doc Issue Active B * Condo / PUD rider Missing (Lvl 2) As per Appraisal report property is PUD but PUD rider is missing from the loan file.    
xx 69884485 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 69884485 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Property Active B * Property Damage (Lvl 2) As per the collection comment xx/xx/xxxx, the property had damage because of hurricane xx. The roof had water damage. The water came through windows are shark. To suck the water up insurance gave $1,400.00. As per collection comment dated xx/xx/xxxx the roof and Boards are need to replace and repairing cost is $1,400.00. As per collection comment dated xx/xx/xxxx, the flood insurance/FEMA repairs are in the amount of $15,000.00 and home repairs estimated completion percent is 95%. As per collection comment dated xx/xx/xxxx, the insurance (Check # xx) in the amount of $1245.98 was received on xx/xx/xxxx for hurricane damage which was done on xx/xx/xxxx.    
xx 69884485 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 69884485 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index value is unable to confirm.    
xx 69884485 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider document is missing from the loan file.    
xx 69884485 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
xx 69884485 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Florida State. The following state disclosures are missing in the loan file.
1.Anti-Coercion Notice
2.Title Insurance Disclosure
3.Radon Gas Disclosure
4.Insurance Sales Disclosure		    
xx 69884485 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Rvw shows prop. owner of record is not borr. (Lvl 2) xx    
xx 84512477 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 84512477 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 84512477 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 84512477 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
xx 84512477 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) HUD-1 not executed by borrower.    
xx 84512477 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Acct Disclosure is missing from the loan file.    
xx 84512477 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider is missing from the loan file.    
xx 84512477 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index value is unable to confirm.    
xx 84512477 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) This loan modification was done on xx (Lender).  The amortization type is step and new unpaid Principal balance is $200,314.22 and lender agree to forgiven principal in the amount of $43,971.42  which is exceeding 2% of modification amount.    
xx 84512477 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Legal Docs Active B * Updated title review shows IRS / vehicle / federal / personal tax liens (Lvl 2) Update title shows there is Notice of Federal Tax Lien against the borrower in the amount of xx.    
xx 84512477 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 61813926 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 61813926 xx 561 561-882 xx Non-QM QC Complete Arizona xx Data Edit Data Edit Active B * Deceased Borrower(s) (Lvl 3) According to the updated title report dated xx/xx/xxxx, the borrower,xx was deceased on xx. However, no details regarding the death certificate or probate has been found in the collection comments.

.		    
xx 61813926 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 61813926 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider is missing from the loan file.    
xx 61813926 xx 561 561-882 xx Non-QM QC Complete Arizona xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 61813926 xx 561 561-882 xx Non-QM QC Complete Arizona xx Data Edit Data Edit Active B * Water/Sewer Taxes (Lvl 3) xx    
xx 31745137 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 31745137 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 31745137 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Form is missing from the loan file.    
xx 31745137 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Doc Issue Active B * Final TIL Date after actual transaction date (Lvl 2) As per Note the origination date is xx and the TIL date is xx which is after the actual transaction date.    
xx 31745137 xx 561 561-882 xx Non-QM QC Complete Arizona xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD-1 is not signed by borrower.    
xx 31745137 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Providers Disclosures is missing from the loan file.    
xx 31745137 xx 561 561-882 xx Non-QM QC Complete Arizona xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The forgiven amount exceeds 2% of modified amount.
As per modification agreement which was made on xx the lender has agreed to forgive principal in the amount of $33,697.84 which is exceeding more than 2% of principal amount which is $140,000.		    
xx 31745137 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to determine an operative index value since the supportive documents are missing from the loan file.    
xx 91624806 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 91624806 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal report is missing from the loan file.    
xx 91624806 xx 561 561-882 xx Non-QM QC Complete California xx Credit DTI Active B * DTI > 60% (Lvl 2) As per final application, the total monthly income is $2268.01 and total debts are in the amount of $1580.97. Hence, the DTI exceeds 60%.    
xx 91624806 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Title Issue Active B * Title issue (Lvl 3) ISAOA / It's successors and or assigns clause is missing in final title policy. Terms and conditions sheet is neither available with final title policy for checking 12C clause.    
xx 91624806 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Good Faith Estimate missing or unexecuted (Lvl 2) The final GFE is missing from the loan file.    
xx 91624806 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service providers disclosure is missing from the loan file.    
xx 91624806 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The Servicing Transfer disclosure is missing from the loan file.    
xx 91624806 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in the state of California. The following state disclosures are missing from the loan file.
1.Impound Account Disclosure.
2.Cosigner Notice.
3.Private Mortgage Insurance Disclosure.
4.Earthquake Disclosure for condominiums.
5.Hazard Insurance Disclosure.
6.Anti-Tying Disclosure.
7.Privacy Notice.
8.Notice of Right to Copy of Appraisal.
9.Application for Credit-Married Persons.
10.Fair Debt Collection Notice.
11.Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application.		    
xx 91624806 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.
The finance charge is $114,328.13. The disclosed finance charge of $113,794.16 is not considered accurate because it is understated by more than $100.
This loan failed the TILA foreclosure rescission finance charge test.
The finance charge is $114,328.13. The disclosed finance charge of $113,794.16 is not considered accurate for purposes of rescission because it is understated by more than $35.		    
xx 91624806 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA finance charge test.
This loan failed the TILA foreclosure rescission finance charge test.		    
xx 70940598 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 70940598 xx 561 561-882 xx Non-QM QC Complete California xx Credit Other Disclosures Active B * Missing Required Disclosures (Lvl 2) List of service provider is missing from the loan file.    
xx 70940598 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) Modification agreement was made on xx. As per the modified terms, new principal balance is $xx. Borrower promises to pay $xx monthly with a modified interest rate 2.00 % beginning from xx/xx/xxxx with a maturity date xx/xx/xxxx. The interest-bearing amount is $xx. The lender has agreed to forgive $xx the unpaid principal balance on the modification. However, the forgiven amount exceeds 2% of modified principal.    
xx 70940598 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 70940598 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1) Test not run    
xx 70940598 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1) Test not run    
xx 70940598 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) The available final HUD-1 is not executed by the borrower. The same HUD-1 is considered to test the compliance ease.    
xx 70940598 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 15378255 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 15378255 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 15378255 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business form is missing from the loan file.    
xx 15378255 xx 561 561-882 xx Non-QM QC Complete Ohio xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 15378255 xx 561 561-882 xx Non-QM QC Complete Ohio xx NPL General Active B * Water/Sewer Taxes (Lvl 3) According to the review of the updated title report dated xx/xx/xxxx, the utilities charge of the year xx are delinquent in  the amount ofxx.    
xx 15378255 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Title Review Active B * Title Review shows lien by DOJ_Department of Justice (Lvl 2) As per the updated title report dated xx/xx/xxxx the subject mortgage was originated with the borrower xx.
However ,there are 2 DOJ liens against the borrower xx and the subject property address is matching with the DOJ the first was recorded on xx in the amount of $xx in the xx.		    
xx 15378255 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 15378255 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
xx 15378255 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index value is unable to determine from the available loan file.    
xx 15378255 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer document is missing from the loan file.    
xx 15378255 xx 561 561-882 xx Non-QM QC Complete Ohio xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) The Final HUD-1 is not signed by the borrower.    
xx 15378255 xx 561 561-882 xx Non-QM QC Complete Ohio xx Legal Docs Doc Issue Active B * Prepayment Rider Missing (Lvl 2) The original note contains the prepayment penalty terms , however the prepayment penalty rider is missing from the loan file.    
xx 15378255 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in the state of Ohio. The following state disclosures are missing from the loan file .
1. Equal Credit Availability Notice
2. Insurance Tying Disclosure
3. Non-Deposit Insurance Disclosure		    
xx 50160752 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 50160752 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 50160752 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated Business Disclosure is missing from the loan file.    
xx 50160752 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The initial Escrow Account Disclosure and List of Service Provider Disclosure is missing from the loan file.    
xx 50160752 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The modification agreement was done on xx shows that, the new unpaid principle balance is $218,824.68 and forgiven amount of $48,034.68 has found which exceeds 2% of modified loan amount.    
xx 50160752 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The property is located in state of California. The following required State Disclosure is missing in the loan file.
1.Impound Account Disclosure
2.Cosigner Notice
3.Private Mortgage Insurance Disclosure
4.Earthquake Disclosure forCondominiums
5.Hazard Insurance Disclosure
6.Insurer RecommendationDisclosure
7.CA Fair Lending Notice
8.Anti-Tying Disclosure
9.Privacy Notice
10.Notice of Right to Copy of Appraisal
11.Application for Credit-Married Persons
12.Fair Debt Collection Notice
13.Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 50160752 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * ROR Transaction date not consistent with Note and/or HUD (Lvl 2) The settlement date as per ROR is xx. However the loan origination date is xx    
xx 50160752 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 50160752 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 50160752 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 16220342 xx 561 561-882 xx Non-QM QC Complete Arizona xx Legal Docs Doc Issue Active B * Missing required 1-4 family rider (Lvl 2) 1-4 rider is missing from the loan file.    
xx 16220342 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 16220342 xx 561 561-882 xx Non-QM QC Complete Arizona xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) HUD-1 is not signed by borrower.    
xx 16220342 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 16220342 xx 561 561-882 xx Non-QM QC Complete Arizona xx NPL General Active B * Water/Sewer Taxes (Lvl 3) According to the review of the updated title report dated xx/xx/xxxx, the utilities charge of the year xx are delinquent in  the amount ofxx.    
xx 16220342 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to determine an operative index value because supportive documents are missing from the loan file.    
xx 19802479 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 19802479 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 19802479 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 19802479 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 19802479 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The Loan Modification Agreement consists of principle forgiven. As per MOD dated xx, the new modified principle balance is in the amount of $xx in which $xx is deferred. In addition to this, there is a provision that $xx of the deferred principle balance is eligible for forgiveness. It’s been provided that the borrower will not be in default on his new payments for three full monthly consecutive payments. Then the lender shall reduce on each of the first, second & third anniversaries of xx the deferred principle balance in installments equal to the one-third of the deferred principle reduction amount.    
xx 19802479 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 19802479 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in CA State. The following state disclosures are missing in the loan files.

Impound Account Disclosure
Cosigner Notice
Private Mortgage Insurance Disclosure
Hazard Insurance Disclosure
Insurer Recommendation Disclosure
 Anti-Tying Disclosure
Privacy Notice
Notice of Right to Copy of Appraisal
Application for Credit-Married Persons
Fair Debt Collection Notice
Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 19802479 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Property Active B * Subject property is located in a FEMA designated disaster area (recent). (Lvl 2) The subject property is located in the county where recent FEMA disaster is declared (California wild fires).    
xx 19802479 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to determine an operative index value because supportive documents are missing from the loan file.    
xx 40295907 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 40295907 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 40295907 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Property Active B * Property Damage (Lvl 2) As per the comments dated xx/xx/xxxx the property had a Mold Damage and the repairs have been made and now they have a new renter. No further information regarding the damage estimate or claim filed has been found in the comments.    
xx 40295907 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Mortgage Active B * Mortgage  (Lvl 2) Subject loan was originated under jumbo loan category.    
xx 40295907 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The affiliated Business form is missing in the loan files.    
xx 40295907 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The forgiven amount exceeds more than 2% of modified balance.
The loan was modified on xx. As per the modification agreement the new principal balance would be $xx. The lender has agreed to forgive unpaid amounts of $xx. The forgiven amount is exceeding 2% of modified principal balance.		    
xx 40295907 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service providers is missing in the loan files.    
xx 40295907 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The required state disclosure are missing in the loan files.Impound Account Disclosure, Cosigner Notice, Private Mortgage Insurance Disclosure,Earthquake Disclosure forCondominiums, Hazard Insurance Disclosure,Insurer RecommendationDisclosure, CA Fair Lending Notice, Anti-Tying Disclosure, Privacy Notice,Notice of Right to Copy of Appraisal, Application for Credit-Married Persons, Fair Debt Collection Notice,Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application.)    
xx 40295907 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to Confirm operative index value due to missing documents.    
xx 40658854 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 40658854 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 40658854 xx 561 561-882 xx Non-QM QC Complete Arizona xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 40658854 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 2) xx    
xx 40658854 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index value is unable to determine as per the available loan file.    
xx 40658854 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The affiliated business form disclosure is missing from the loan file.    
xx 40658854 xx 561 561-882 xx Non-QM QC Complete Arizona xx Legal Docs Doc Issue Active B * Prepayment Rider Missing (Lvl 2) The original note contains the prepayment penalty ,however the prepayment penalty rider is missing in the loan file.    
xx 11671768 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 11671768 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 11671768 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 11671768 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 11671768 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 11671768 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 11671768 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated Business Disclosure is missing from the loan file.    
xx 11671768 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) The Initial Escrow Account Disclosure is missing from the loan file.    
xx 11671768 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The loan was modified on xx. As per the modified terms, new principal balance is $xx. The principal was forgiven in the amount of $xx. However, the forgiven amount exceeds 2% of modified principal.    
xx 11671768 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property has been located in the California State. The following state disclosures are missing from the loan file:
1. Impound Account Disclosure.
2. Cosigner Notice.
3. Private Mortgage Insurance Disclosure.
4. Earthquake Disclosure for Condominiums.
5. Hazard Insurance Disclosure.
6. Insurer Recommendation Disclosure.
7. CA Fair Lending Notice.
8. Anti-Tying Disclosure.
9. Privacy Notice.
10. Notice of Right to Copy of Appraisal.
11. Application for Credit-Married Persons.
12. Fair Debt Collection Notice.
13. Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application.		    
xx 11671768 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to determine the operative index value from the loan file.    
xx 96656670 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 96656670 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 96656670 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) As per the updated title report dated on xx/xx/xxxx, states that the chain of assignment is missing.    
xx 96656670 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD-1 is not signed by the borrower.    
xx 96656670 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Following disclosures are missing from the loan file.
1.Impound Account Disclosure
2.Cosigner Notice
3.Private Mortgage Insurance Disclosure
4.Earthquake Disclosure forCondominiums
5.Hazard Insurance Disclosure
6.Insurer RecommendationDisclosure
7.CA Fair Lending Notice
8.Anti-Tying Disclosure
9.Privacy Notice
10.Fair Debt Collection Notice
11.Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 96656670 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 96656670 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider disclosure is missing from the loan file.    
xx 96656670 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
xx 96656670 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Property Active B * Property Damage (Lvl 2) Recent servicing comment dated xx/xx/xxxx states that repairs on the subject property has not been completed due to delay. The borrower stated that repair regarding the flooring was yet to be completed. The comment dated xx/xx/xxxx states that borrower was working on repairs regarding the flooring. The repairing amount has not been not mentioned in the comment. No details were found regarding the insurance claim.    
xx 96656670 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from the loan file.    
xx 96656670 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 96656670 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Mortgage Active B * Mortgage  (Lvl 2) ubject loan was originated under jumbo loan category.    
xx 42738372 xx 561 561-882 xx Non-QM QC Complete Arizona xx Valuation Property Active B * Property Damage (Lvl 2) As per the comment dated xx/xx/xxxx, the subject property was damaged. The eyeball damaged for the estimated amount of $5000. The nature of the damage is unavailable. No details were found regarding the insurance claim. The latest BPO reports are not available. Details regarding repairs are unavailable. The latest collection comments does not reflect any damage to the subject property.    
xx 42738372 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Guidelines Active B * Cash out purchase (Lvl 2) As per the final HUD-1, the gross amount due from borrower for the amount of xx and less amount paid by the borrower for the amount of xx.However, the cash to borrower for the amount of $354.54.    
xx 42738372 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Title Review Active B * Property address changed since origination - address on updated title different from note (Lvl 2) xx    
xx 42738372 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated Business Disclosure is missing from the loan file.    
xx 42738372 xx 561 561-882 xx Non-QM QC Complete Arizona xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) The chain of assignment has not been completed. Currently the assignment is with the xx.    
xx 42738372 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Doc Issue Active B * Application Missing (Lvl 2) The final application is missing from the loan file. However, the occupancy type is investment property which is document located at “xx”.    
xx 42738372 xx 561 561-882 xx Non-QM QC Complete Arizona xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) The final HUD-1 is not signed by the borrower.    
xx 42738372 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider document is missing from the loan file.    
xx 42738372 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) The loan program disclosure is missing from the loan file.    
xx 42738372 xx 561 561-882 xx Non-QM QC Complete Arizona xx Legal Docs Doc Issue Active B * Mortgage - Missing required ARM Rider (Lvl 2) The loan type is ARM. However, the ARM rider is missing from the loan file.    
xx 42738372 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) The operative index value unable to determine from the available loan files.    
xx 42738372 xx 561 561-882 xx Non-QM QC Complete Arizona xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 78061547 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 78061547 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 78061547 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business form disclosure is missing from the loan file.    
xx 78061547 xx 561 561-882 xx Non-QM QC Complete Arizona xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 78061547 xx 561 561-882 xx Non-QM QC Complete Arizona xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD is not signed by the borrower.    
xx 78061547 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 78061547 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
xx 78061547 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Doc Issue Active B * ROR Transaction date not consistent with Note and/or HUD (Lvl 2) ROR transaction date is xx which is not consistent with the note and HUD.    
xx 78061547 xx 561 561-882 xx Non-QM QC Complete Arizona xx Data Edit Data Edit Active B * Water/Sewer Taxes (Lvl 3) xx    
xx 74713164 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 74713164 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 74713164 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report dated xx/xx/xxxx the chain of assignment is not found. The current assignee is xx.    
xx 74713164 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 74713164 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 74713164 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD-1 is not signed by the borrower.    
xx 74713164 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated Business Disclosure is missing from the loan file.    
xx 74713164 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * ROR Transaction date not consistent with Note and/or HUD (Lvl 2) ROR transaction date is xx which is not consistent with note date xx as well as settlement date xx.    
xx 74713164 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 74713164 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider disclosure is missing from the loan file.    
xx 74713164 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in California State and the required disclosures are missing from the loan file as follow.
Impound Account Disclosure
Cosigner Notice
Private Mortgage Insurance Disclosure
Anti-Tying Disclosure
Privacy Notice
Notice of Right to Copy of Appraisal
Application for Credit-Married Persons
Fair Debt Collection Notice
Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 74713164 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Mortgage - Missing required ARM Rider (Lvl 2) This is ARM Pick a payment loan but ARM rider is missing from the loan file.    
xx 96653015 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 96653015 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 96653015 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business form document is missing from the loan file.    
xx 96653015 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD-1 is not executed by borrower.    
xx 96653015 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final loan application / 1003 is missing from the loan file.    
xx 96653015 xx 561 561-882 xx Non-QM QC Complete California xx Credit Other Disclosures Active B * Missing Required Disclosures (Lvl 2) List of Service providers document is missing from the loan file.    
xx 96653015 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The following state (CA) disclosures are missing from the loan file:

1. Insurer Recommendation Disclosure
2. Anti-Tying Disclosure
3. Privacy Notice
4. Notice of Right to Copy of Appraisal
5. Fair Debt Collection Notice		    
xx 96653015 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * ROR Transaction date not consistent with Note and/or HUD (Lvl 2) The ROR transaction date is xx but the original Note date is xx.    
xx 96653015 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 34881134 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 34881134 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 34881134 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated business disclosure is missing from the loan file.    
xx 34881134 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Application Missing (Lvl 2) The final 1003 is missing from the loan file.    
xx 34881134 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service providers disclosure is missing from the loan file.    
xx 34881134 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The modification agreement was made on xx. As per the modified terms, the new principal balance is $xx. The borrower promises to pay $xx monthly with a modified interest rate 2.00% beginning from xx/xx/xxxx with a maturity date xx/xx/xxxx. The principal balance in the amount of $xx has been forgiven. However, the forgiven amount exceeds 2% of the modified principal balance.    
xx 34881134 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 34881134 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 34881134 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in the state of California. The following state disclosures are missing from the loan file.
1.Impound Account Disclosure.
2.Cosigner Notice.
3.Private Mortgage Insurance Disclosure.
4.Earthquake Disclosure for condominiums.
5.Hazard Insurance Disclosure.
6.Insurer RecommendationDisclosure.
7.CA Fair Lending Notice.
8.Anti-Tying Disclosure.
9.Privacy Notice.
10.Notice of Right to Copy of Appraisal.
11.Application for Credit-Married Persons.
12.Fair Debt Collection Notice.
13.Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application.		    
xx 34881134 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to determine an operative index value since the supporting documents are missing from the loan file.    
xx 25471460 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 25471460 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 25471460 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business form document is missing from the loan file.    
xx 25471460 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final loan application / 1003 is missing from the loan file.    
xx 25471460 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service providers document is missing from the loan file.    
xx 25471460 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Prepayment Term Test: FAIL Loan Data 36Months Comparison Data 0 Months Variance 36Months.    
xx 25471460 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) Prepayment Term Test: FAIL Loan Data 36Months Comparison Data 0 Months Variance 36Months.
This loan failed the prepayment term test.
The loan has a prepayment term that does not conform to the requirements for the lender's license type in the state where the
property is located.		    
xx 25471460 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The property is located in state of Wisconsin. The following required State Disclosure is missing in the loan file.
1.Explanation of Personal Obligation
2.Marital Property Act Disclosure
3.Pre-Application Fee Disclosure
4.Choice of Insurance Disclosure
5.Escrow Disclosure
6.Co-Signer Notice
7.Tattle Tale Notice under the Marital Property Act		    
xx 25471460 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to determine the Operative Index value. As per the supportive Documents is missing from the loan file.    
xx 86006898 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 86006898 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 86006898 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 86006898 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD1 is not signed by the borrower.    
xx 86006898 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Following state disclosures are missing from the loan file.
Impound Account Disclosure
Cosigner Notice
Private Mortgage Insurance Disclosure
Earthquake Disclosure forCondominiums
Hazard Insurance Disclosure
Insurer RecommendationDisclosure
CA Fair Lending Notice
Anti-Tying Disclosure
Privacy Notice
Notice of Right to Copy of Appraisal
Application for Credit-Married Persons
Fair Debt Collection Notice
Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 86006898 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider disclosure is missing from the loan file.    
xx 86006898 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from the loan file.    
xx 86006898 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The modification agreement was made on xx between borrower and Lender.According to the modification agreement the new modified principal balance is $xx. In addition to this the lender agrees to forgive the principal balance in the amount of $xx which exceeds more than 2.00% of the modification amount.    
xx 86006898 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) The chain of assignment is incomplete as there is a break in chain of assignment from xx to xx.    
xx 86006898 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Active State Tax Lien Judgement. (Lvl 2) Updated title report dated on xx/xx/xxxx shows that there are two state tax liens against the subject borrower in the total amount of $xx which were recorded on xx .    
xx 92019984 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 92019984 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 92019984 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from loan file.    
xx 92019984 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Application Missing (Lvl 2) Application is missing from loan file.    
xx 92019984 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report is missing from loan file.    
xx 92019984 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) As per note operative index value is unable to determine.    
xx 92019984 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 92019984 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Impound Account Disclosure
Cosigner Notice
Private Mortgage Insurance Disclosure
Earthquake Disclosure forCondominiums
Hazard Insurance Disclosure
Insurer RecommendationDisclosure
CA Fair Lending Notice
Anti-Tying Disclosure
Privacy Notice
Notice of Right to Copy of Appraisal
Application for Credit-Married Persons
Fair Debt Collection Notice
Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 92019984 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Acct Disclosure is missing from loan file.    
xx 92019984 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List Of service providers is missing from loan file.    
xx 92019984 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from loan file.    
xx 92019984 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The CE result is Moderate because this loan has failed TILA Right of Rescission Test. The ROR is missing from the loan file.    
xx 92019984 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The modification agreement was made between xx.  The modified balance is $190,901.04 from which $34,362.19 is forgiven and $156,538.85 is interest bearing amount.    
xx 92019984 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 92019984 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA Right of Rescission Test: FAIL the ROR is missing in from the loan file.    
xx 92890930 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 92890930 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 92890930 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Property Active B * Property Damage (Lvl 2) As per collection comment on dated xx/xx/xxxx,however the shows subject property had damage noted xx/xx/xxxx and claim filed no#xx comment also shows third party will contact to the borrower to after 5 business day to know  about more information for how much cost of  amount is  damages and still are repaired or not.    
xx 92890930 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 92890930 xx 561 561-882 xx Non-QM QC Complete California xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Comment history is available from xx/xx/xxxx to xx/xx/xxxx. However, we require the latest 24 months comment history. Comment history missing from xx/xx/xxxx to xx/xx/xxxx,xx/xx/xxxx toxx/xx/xxxx andxx/xx/xxxx toxx/xx/xxxx.    
xx 92890930 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD-1 not signed all borrowers from the loan file.    
xx 92890930 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index numerical value is unavailable as the supportive documents such as Loan program disclosure/Rate lock agreement/Closing instruction are missing from the loan file.    
xx 92890930 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from loan file.    
xx 92890930 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Required State disclosure in missing from the below list.
1.Impound Account Disclosure
2.Cosigner Notice
3.Private Mortgage Insurance Disclosure
4.Hazard Insurance Disclosure
5.Insurer RecommendationDisclosure
6.Anti-Tying Disclosure
7.Privacy Notice
8.Notice of Right to Copy of Appraisal
9.Application for Credit-Married Persons
10.Fair Debt Collection Notice
11.Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 92890930 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 92890930 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Rvw shows prop. owner of record is not borr. (Lvl 2) xx    
xx 92890930 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 92890930 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 91014769 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 91014769 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 91014769 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 91014769 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated Business Disclosure is missing from the loan file.    
xx 91014769 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The List of Service Provider Disclosure is missing from the loan file.    
xx 91014769 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in California State. However following required state disclosure are missing from the loan file.
1. ·Impound Account Disclosure.
2. ·Cosigner Notice.
3. ·Private Mortgage Insurance Disclosure.
4. ·Earthquake Disclosure forCondominiums.
5. ·Hazard Insurance Disclosure.
·6. Insurer RecommendationDisclosure.
7. ·CA Fair Lending Notice.
·8. Anti-Tying Disclosure.
9. ·Privacy Notice.
10. ·Notice of Right to Copy of Appraisal.
11. ·Application for Credit-Married Persons.
12. ·Fair Debt Collection Notice.
·13. Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application.		    
xx 91014769 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to determine operative index value from the available loan file.    
xx 19484494 xx 561 561-882 xx Non-QM QC Complete Arizona xx Valuation Property Active B * Property Damage (Lvl 2) According to comment dated xx/xx/xxxx, the subject property needs to be repaired. The estimated amount of repair and nature of damage are not available in the collection comment. No further comment is available in the collection comment. No latest BPO report has been found in the loan file.    
xx 19484494 xx 561 561-882 xx Non-QM QC Complete Arizona xx NPL General Active B * Water/Sewer Taxes (Lvl 3) According to the review of the updated title report dated xx/xx/xxxx, the utilities charge of the year xx are delinquent in  the amount ofxx.    
xx 19484494 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 19484494 xx 561 561-882 xx Non-QM QC Complete Arizona xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD-1 is not signed by the borrower.    
xx 19484494 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final loan application is missing from the loan file. However, the subject property type is updated from the initial application dated xx  located at "xx".    
xx 19484494 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan file.    
xx 19484494 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 19484494 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
xx 19484494 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is missing from the loan file.    
xx 19484494 xx 561 561-882 xx Non-QM QC Complete Arizona xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 98930446 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 98930446 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 98930446 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 98930446 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Bellow disclosures are missing from loan file.
Impound Account Disclosure,Cosigner Notice,Private Mortgage Insurance Disclosure,Earthquake Disclosure forCondominiums,Anti-Tying Disclosure,Privacy Notice,Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application.		    
xx 98930446 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD-1 is available in the loan file but it is not signed by the borrowers.    
xx 98930446 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service providers is missing from loan file.    
xx 98930446 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index numerical value is unavailable as the supportive documents such as Loan program disclosure/Rate lock agreement/Closing instruction are missing from the loan file    
xx 98930446 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated Business Disclosure is missing from loan file.    
xx 98930446 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * ROR Transaction date not consistent with Note and/or HUD (Lvl 2) ROR transaction date not consistent with note or HUD    
xx 43170514 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 43170514 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 43170514 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) According to the modification agreement dated xx, the new principal is xx and the lender has forgiven principal in the amount of $xx which is exceeds 2% of modified principal balance.    
xx 43170514 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan file.    
xx 43170514 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 43170514 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index value is unable to determine as supportive document is missing from the loan file.    
xx 43170514 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated Business disclosure is missing from the loan file.    
xx 43170514 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Mortgage Active B * Mortgage  (Lvl 2) Subject loan was originated under jumbo loan category.    
xx 43170514 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 43170514 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The property is located in state of California. The following required State Disclosure is missing in the loan file. 1.Impound Account Disclosure 2.Cosigner Notice 3.Private Mortgage Insurance Disclosure 4.Earthquake Disclosure for Condominiums 5.Hazard Insurance Disclosure 6.Insurer Recommendation Disclosure 7.CA Fair Lending Notice 8.Anti-Tying Disclosure 9.Privacy Notice 10.Notice of Right to Copy of Appraisal 11.Application for Credit-Married Persons 12.Fair Debt Collection Notice 13.Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application    
xx 43170514 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) xx    
xx 43170514 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 43170514 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * ROR Transaction date not consistent with Note and/or HUD (Lvl 2) The subject mortgage was originated on xx However, as per ROR, the transaction date is xx    
xx 43170514 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 78265374 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 78265374 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 78265374 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from loan file.    
xx 78265374 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from loan file.    
xx 78265374 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of Servicing transfer disclosure is missing from loan file.    
xx 78265374 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 78265374 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 78265374 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) The final HUD-1 is not signed by borrowers.    
xx 78265374 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The loan was modified on xx. According to the modification agreement the new modified principal balance is $xx. In addition to this the lender agrees to forgive the principal balance in the amount of $xx which exceeds more than 2.00% of the modified principal balance.    
xx 78265374 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 78265374 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in California State. The state disclosures missing from the loan file are:
Impound Account Disclosure
Cosigner Notice
Private Mortgage Insurance Disclosure
Earthquake Disclosure forCondominiums
Hazard Insurance Disclosure
Insurer RecommendationDisclosure
CA Fair Lending Notice
Anti-Tying Disclosure
Privacy Notice
Notice of Right to Copy of Appraisal
Application for Credit-Married Persons
Fair Debt Collection Notice
Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 78265374 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Property Active B * Subject property is located in a FEMA designated disaster area (recent). (Lvl 2) The subject property is located in the county where recent FEMA disaster is declared (California wild fires).    
xx 45696008 xx 561 561-882 xx Non-QM QC Complete Arizona xx Valuation Property Active B * Property Damage (Lvl 2) “As per updated title report dated xx/xx/xxxx, the subject property was damage in the amount of $3000 which was provided in the updated title report xx. No further details found whether said repairs are done or not . However the collection comments on dated xx/xx/xxxx, shows in the mold mildew damage in the subject property in the repair amounts of $179.00.”    
xx 45696008 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 45696008 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 45696008 xx 561 561-882 xx Non-QM QC Complete Arizona xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 45696008 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 is missing from the loan file. However a copy of initial 1003 is available in loan file.    
xx 45696008 xx 561 561-882 xx Non-QM QC Complete Arizona xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD-1 is not signed by the all borrowers from the loan file.    
xx 45696008 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider disclosure is missing from the loan file.    
xx 45696008 xx 561 561-882 xx Non-QM QC Complete Arizona xx NPL General Active B * Water/Sewer Taxes (Lvl 3) According to the review of the updated title report dated xx/xx/xxxx, the utilities charge of the year xx are delinquent in  the amount ofxx.    
xx 72489746 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 72489746 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 72489746 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 72489746 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Form Disclosure is missing from the loan file.    
xx 72489746 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD-1 is available in the loan file. However, it is not signed by borrower.    
xx 72489746 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Acct Disclosure is missing from the loan file.    
xx 72489746 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
xx 72489746 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing Transfer Document is missing from the loan file.    
xx 72489746 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The loan modification was done on xx (Lender).  The amortization type is step and new unpaid Principal balance per mod is $358,248.08 and lender deferred principal in the amount of $151,248.08. According to modification agreement lender was agreed to forgive the total deferred amount which is exceeds 2% of modification amount.
The deferred principal balance is eligible for forgiveness in equal installment over three year, unless borrower default on new payment to the extent that three or more monthly payment become overdue and unpaid on the last day of any months, then servicer shall forgive one- third of the outstanding portion of deferred principal balance on each of the first, second and third anniversaries of the modification effective date. First payment of modification started on xx; current payment history shows borrower was default from xx/xx/xxxx payment and deferred balance has been forgiven 100%.		    
xx 72489746 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Property Active B * Subject property is located in a FEMA designated disaster area (recent). (Lvl 2) The subject property is located in the county where recent FEMA disaster is declared (California wild fires).    
xx 7830011 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 7830011 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 7830011 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 7830011 xx 561 561-882 xx Non-QM QC Complete California xx Modification Write Down Active B * As per modification agreement lender has agreed to waive or forgive a large unpaid balance (Lvl 2) As per comment dated xx  $48,201.44 was forgiven from the HAMP Forbearance But there is no further information available in the collection comments which verifies whether it has been forgiven or not. Modification was made on xx which is also not reflecting any forgiven amount and borrower is making payment according to this modification.    
xx 7830011 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 7830011 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Below state disclosure is missing from the loan file.
1. Impound Account Disclosure
2. Anti-Tying Disclosure
3. Fair Debt Collection Notice		    
xx 7830011 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider disclosure is missing from the loan file.    
xx 7830011 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index numerical value is unavailable as the supportive documents such as Loan program disclosure/Rate lock agreement/Closing instruction are missing from the loan file.    
xx 7830011 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Received copy of final HUD-1 is not signed by the borrowers.    
xx 69601138 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 69601138 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 69601138 xx 561 561-882 xx Non-QM QC Complete Arizona xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) According to Modification agreement made on xx. The existing principal is in the amount of xx and modified new principal is in the amount of $145,222.87. Hence, the principal has been forgiven in the amount of $36,305.72 which exceeds 2% of the modification amount.
The worksheet of modification located at (xx) reflects there is a 20% reduction in principal balance. The principal balance is $181,528.59 and worksheet reduced UPB is $145,222.87.		    
xx 69601138 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business form is missing from the loan file.    
xx 69601138 xx 561 561-882 xx Non-QM QC Complete Arizona xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 69601138 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow disclosure is missing from the loan file.    
xx 69601138 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers document is missing from the loan file.    
xx 69601138 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer document is missing from the loan file.    
xx 76863967 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 76863967 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 76863967 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 76863967 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 76863967 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD-1 is available in the loan file but it is not sign by the borrower.    
xx 76863967 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index numerical value is unavailable as the supportive documents such as Loan program disclosure/Rate lock agreement/Closing instruction are missing from the loan file    
xx 76863967 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from the loan file.    
xx 76863967 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Mortgage Active B * Mortgage  (Lvl 2) Subject loan was originated under jumbo loan category.    
xx 76863967 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The loan modification agreement was effective on xx. According to modification agreement, the new modified principal balance of note is reflected in the amount of xx. As per mod, there is a deferred amount of $xx. Out of that deferred amount, $xx (deferred principal reduction amount) is eligible for forgiveness. As per mod, the forgiven amount will deduct from UPB if the borrower not in default on his payment such that the equivalent of three monthly payments are due and unpaid on the last day of any month. On each of the first, second and third anniversaries of xx, the lender shall reduce the deferred principle balance of my note in installment equal to one third of  the Deferred Principle Reduction Amount. As per current payment history, UPB shows in the amount of $xx and deferred balance in the amount $xx. It concludes the total amount of forgiveness which was eligible for forgiveness has been forgive.    
xx 90458241 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 90458241 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 90458241 xx 561 561-882 xx Non-QM QC Complete California xx Credit DTI Active B * DTI > 60% (Lvl 2) As per the final application, the total monthly expenses are $2,356.90 and total monthly income is $5,380. However, the DTI exceeds 65.630%.    
xx 90458241 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Mortgage Active B * Mortgage  (Lvl 2) Subject loan was originated under jumbo loan category.    
xx 90458241 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated Business Disclosure is missing from the loan file.    
xx 90458241 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) The operative index value unable to determine from the available loan files.    
xx 90458241 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 72840916 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 72840916 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 72840916 xx 561 561-882 xx Non-QM QC Complete Washington xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD-1 not signed by all borrowers from the loan file.    
xx 72840916 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active B * Operative Index Numerical Value Unavailable based on lender docs (Lvl 2) Operative index numerical value is unavailable as the supportive documents such as Loan program disclosure/Rate lock agreement/Closing instruction are missing from the loan file.    
xx 72840916 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure missing from the loan file.    
xx 72840916 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) xx     
xx 72840916 xx 561 561-882 xx Non-QM QC Complete Washington xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 72868255 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 72868255 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 72868255 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal report is missing from the loan file.    
xx 72868255 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 72868255 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) As per the loan modification agreement made on xx. However, there is a principal reduction alternative. The amount of $32,668.10 of the principal balance is eligible for forgiveness. (The deferred principal reduction Amount).
If the borrower makes monthly mortgage payments on time, the lender agrees to forgive $32,668.10 of the principal balance of the loan each year on the anniversary of the first trial period payment date for three years.
The latest payment history as of datexx/xx/xxxx, tape data does not reflect the deferred balance and current UPB reflected is in the amount of $137,733.15. It seems lender has forgiven the total amount of $32,668.10.		    
xx 72868255 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated business disclosure is missing from the loan file.    
xx 72868255 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Application Not Signed by All Borrowers (Lvl 2) The final application is missing from the loan file. However, the values are updated from the initial 1003 located at 'xx'.    
xx 72868255 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Application Missing (Lvl 2) The final application is missing from the loan file. However, the values are updated from the initial 1003 located at 'xx'.    
xx 72868255 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 72868255 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service providers disclosure is missing from the loan file.    
xx 72868255 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Operative Index Numerical Value Unavailable based on lender docs (Lvl 2) The operative index value is unable to confirm from the loan file.    
xx 72868255 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * ROR Transaction date not consistent with Note and/or HUD (Lvl 2) The ROR transaction date is xx which is different from the HUD-1 settlement date of xx and Note date of xx.    
xx 72868255 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The servicing transfer disclosure is missing from the loan file.    
xx 72868255 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The Subject property is located in California state. The following state disclosures are missing from the loan file.
1] Impound Account Disclosure.
2] Cosigner Notice.
3] Private Mortgage Insurance Disclosure.
4] Insurer RecommendationDisclosure.
5] Anti-Tying Disclosure.
6] Privacy Notice.
7] Fair Debt Collection Notice.		    
xx 72868255 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Active Judgment Against Borrower (Lvl 2) There are numerous civil judgments against the borrower in the total amount of $xx in the favor ofxx which were recorded on different dates.    
xx 97822557 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 97822557 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * ROR Transaction date not consistent with Note and/or HUD (Lvl 2) As per final ROR transaction date is xx which is one day after the note date xx.    
xx 97822557 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 is missing from the loan file however initial application is available in the loan file which is located at xx and all information is captured from initial application.    
xx 97822557 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD-1 is available in the loan file but it is not sign by the borrowers.    
xx 97822557 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Following are the state disclosure which are missing from the loan file;
1. Impound Account Disclosure
2. Private Mortgage Insurance Disclosure
3. Anti-Tying Disclosure
4. Fair Debt Collection Notice
5. Notice of Right to Copy of Appraisal
6. Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 97822557 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider is missing from the loan file.    
xx 97822557 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1) Not tested    
xx 97822557 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1) Not tested    
xx 97822557 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The loan modification agreement was made on xx. According to modification agreement, the new modified principal balance is reflected in the amount of $xx. The deferred balance is in the amount of $xx. Also Lender agrees to forgive the principal in the amount of $xx, which exceeds 2% of original modified balance.    
xx 97822557 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Property Active B * Subject property is located in a FEMA designated disaster area (recent). (Lvl 2) The subject property is located in the Los Angeles county where recent FEMA disaster is declared (California wild fires).    
xx 97822557 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 19082754 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 19082754 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 19082754 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) According to the review of updated title report dated xx/xx/xxxx, there are eight Water / Sewer liens against the subject property in the combined amount of xx” which were recorded on different dates. The subject property is located at “California” state and there can be possibility of foreclosure due to these unpaid non mortgage liens. This can be cured by paying these liens with late charges and penalties.    
xx 19082754 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Following state disclosures are missing from the loan file.
Impound Account Disclosure
Cosigner Notice
Private Mortgage Insurance Disclosure
Earthquake Disclosure forCondominiums
Hazard Insurance Disclosure
Insurer RecommendationDisclosure
CA Fair Lending Notice
Anti-Tying Disclosure
Privacy Notice
Notice of Right to Copy of Appraisal
Application for Credit-Married Persons
Fair Debt Collection Notice
Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 19082754 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider disclosure is missing from the loan file.    
xx 19082754 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) LTV is xx  which is greater than xx hence MI certificate is required; however, it is missing from the loan file.    
xx 19082754 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from the loan file.    
xx 19082754 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The modification agreement was made on xx lender agreed to forgive the principal amount of $55,549.42 from UPB which exceeds more than 2% from modified UPB.    
xx 19082754 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 19082754 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 24049654 xx 561 561-882 xx Non-QM QC Complete Rhode Island xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 24049654 xx 561 561-882 xx Non-QM QC Complete Rhode Island xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 24049654 xx 561 561-882 xx Non-QM QC Complete Rhode Island xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider is missing from the loan file.    
xx 24049654 xx 561 561-882 xx Non-QM QC Complete Rhode Island xx Compliance Compliance Active B * Operative Index Numerical Value Unavailable based on lender docs (Lvl 2) Operative index numerical value is unavailable as the supportive documents such as Loan program disclosure/Rate lock agreement/Closing instruction are missing from the loan file.    
xx 24049654 xx 561 561-882 xx Non-QM QC Complete Rhode Island xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from loan file.    
xx 24049654 xx 561 561-882 xx Non-QM QC Complete Rhode Island xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 24049654 xx 561 561-882 xx Non-QM QC Complete Rhode Island xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in RI State; however, required state disclosure is missing from loan file.
1. Appraisal Fee Disclosure
2. Offer of Title Insurance
3. Choice of Title Insurer
4. Choice of Insurer (any type of insurance)
5. Notice of Rights
6. Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 33466950 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 33466950 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 33466950 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application is missing from the loan file.    
xx 33466950 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from loan file.    
xx 33466950 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) missing ABA    
xx 33466950 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) Modification agreement consists of principal forgiven amount.
As per the modified terms, new principal balance is $xx. The interest-bearing amount is $xx and the deferred amount is $xx. The lender has agreed to forgive $xx the unpaid principal balance on the modification. However, the forgiven amount exceeds 2% of modified principal.		    
xx 33466950 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 33466950 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 33466950 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in California State. The state disclosures missing from the loan file are:
Impound Account Disclosure
Cosigner Notice
Private Mortgage Insurance Disclosure
Earthquake Disclosure forCondominiums
Hazard Insurance Disclosure
Insurer RecommendationDisclosure
CA Fair Lending Notice
Anti-Tying Disclosure
Privacy Notice
Notice of Right to Copy of Appraisal
Application for Credit-Married Persons
Fair Debt Collection Notice
Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 33466950 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 49211407 xx 561 561-882 xx Non-QM QC Complete Nebraska xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 49211407 xx 561 561-882 xx Non-QM QC Complete Nebraska xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 49211407 xx 561 561-882 xx Non-QM QC Complete Nebraska xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 49211407 xx 561 561-882 xx Non-QM QC Complete Nebraska xx Valuation Property Active B * Property Damage (Lvl 2) As per collection comment dated xx/xx/xxxx, the subject property has hail storm damage and the insurance claims on property are pending. The cost of damage is unavailable. No further comments found regarding the same. No evidence was found in the loan file stating the damage has been repaired or not.    
xx 49211407 xx 561 561-882 xx Non-QM QC Complete Nebraska xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from the loan file.    
xx 49211407 xx 561 561-882 xx Non-QM QC Complete Nebraska xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 49211407 xx 561 561-882 xx Non-QM QC Complete Nebraska xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property has been located in Nebraska State. The below state disclosure is missing from the loan file:
1. Construction Finance Notice disclosure is missing from the loan file.		    
xx 49211407 xx 561 561-882 xx Non-QM QC Complete Nebraska xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to determine the operative index value from the loan file.    
xx 4363860 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 4363860 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 4363860 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 4363860 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Compliance Risk Indicator is Moderate due to failing the TILA Finance Charge Test and the TILA Foreclosure Rescission Finance Charge Test.    
xx 4363860 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) Payments per Note at origination are Bi-weekly however unable to run compliance unless Monthly is entered.
TILA Finance Charge Test: FAIL.  Loan Data $157,148.53; Comparison Data $164,209.88; Variance of -$7,061.35.
This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) ). The finance charge is $164,209.88. The disclosed finance charge of $157,148.53 is not considered accurate because it is understated by more than $100.
TILA Foreclosure Rescission Finance Charge Test: FAIL.  Loan Data $157,148.53; Comparison Data $164,209.88; Variance of -$7,061.35.
This loan failed the TILA foreclosure rescission finance charge test. ( 12 CFR §1026.23(h) , transferred from 12 CFR §226.23(h) ). The finance charge is $164,209.88. The disclosed finance charge of $157,148.53 is not considered accurate for purposes of rescission because it is understated by more than $35.		    
xx 4363860 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) The Final HUD was not executed by the borrower however it was stamped true and correct copy of the original and executed by the xx.    
xx 4363860 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Doc Issue Active B * Missing flood cert (Lvl 2) The flood certificate was not located in the file.    
xx 4363860 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 4363860 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Required Affiliated Business Disclosure is missing from the file.    
xx 21813426 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 21813426 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 21813426 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 21813426 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 21813426 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider document is missing from the loan file.    
xx 21813426 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The loan was modified since origination. The borrower is currently making payments as per the modification agreement which was made on xx. As per the new modified terms, the new principal balance is $xx. The lender agrees to forgive principal in the amount of $xx, which is exceeding 2.00% of modified principal balance.    
xx 21813426 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) The operative index value unable to determine from the available loan files.    
xx 21813426 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
xx 70093839 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 70093839 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 70093839 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing  from the loan file.    
xx 70093839 xx 561 561-882 xx Non-QM QC Complete Arizona xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD-1 is not singed by borrower.    
xx 70093839 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider is missing from loan file.    
xx 70093839 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 70093839 xx 561 561-882 xx Non-QM QC Complete Arizona xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 70093839 xx 561 561-882 xx Non-QM QC Complete Arizona xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The loan modification agreement was made between ‘xx.” on xx. As per this mod, new principal balance is in the amount of xx of the principal balance has been forgiven which exceeds 2% of the modified principal balance.    
xx 94440292 xx 561 561-882 xx Non-QM QC Complete Oregon xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 94440292 xx 561 561-882 xx Non-QM QC Complete Oregon xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 94440292 xx 561 561-882 xx Non-QM QC Complete Oregon xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 94440292 xx 561 561-882 xx Non-QM QC Complete Oregon xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from loan file.    
xx 94440292 xx 561 561-882 xx Non-QM QC Complete Oregon xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final Hud-1 is not signed by all the borrower.    
xx 94440292 xx 561 561-882 xx Non-QM QC Complete Oregon xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 94440292 xx 561 561-882 xx Non-QM QC Complete Oregon xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers document is missing from loan file.    
xx 94440292 xx 561 561-882 xx Non-QM QC Complete Oregon xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index numerical value is unable to determine from the given lenders document.    
xx 94440292 xx 561 561-882 xx Non-QM QC Complete Oregon xx Credit Doc Issue Active B * ROR Transaction date not consistent with Note and/or HUD (Lvl 2) ROR transaction date is xx which is not consistent with note and /or Hud-1 date of xx.    
xx 94440292 xx 561 561-882 xx Non-QM QC Complete Oregon xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in state of Oregon. The following state disclosures are missing from loan file.
Oregon Forced Placed Insurance Notice
Escrow Notice for Loans Sold to Out-of- State Purchases within one year
Insurance Sales Notice
Insurance Premium Notice
Notice where escrow account is not Required.		    
xx 12170173 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 12170173 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 12170173 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 12170173 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated Business Disclosure is missing from the loan file.    
xx 12170173 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Application Missing (Lvl 2) The final application is missing from the loan file.    
xx 12170173 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of Service Provider's Disclosure is missing from the loan file.    
xx 12170173 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Property Active B * Subject property is located in a FEMA designated disaster area (recent). (Lvl 1) The subject property is located in a FEMA designated disaster area (recent).
However, as per the collection comments received as of xx/xx/xxxx, no comments were found pertaining damage to the subject property. However, as per collection comment, the reason for default was hurricane disaster. No further details have been found.		    
xx 12170173 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Florida State. The following state disclosures are missing from the loan file.
1.Anti-Coercion Notice
2.Title Insurance Disclosure
3.Radon Gas Disclosure
4.Insurance Sales Disclosure		    
xx 12170173 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to determine an operative index value since the supporting documents are missing from the loan file.    
xx 12170173 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Review shows lien by DOJ_Department of Justice (Lvl 2) Updated title report dated xx/xx/xxxx shows notice of lien for fine and/or restitution imposed pursuant to the anti-terrorism and effective death penalty act of 1996 with the serial #xx.
If the payment becomes past due, the penalties totaling up to 25% of the principal amount may be added in the judgment amount. The above lien can affect the enforceability of the subject mortgage.
Document of DOJ judgment does not contain SSN#/DOB/Property address to confirm the validity of the judgment. However, the borrower name " xx " does match with the name of the defendant.		    
xx 55642695 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 55642695 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 55642695 xx 561 561-882 xx Non-QM QC Complete Texas xx Valuation Property Active B * Property Damage (Lvl 3) According to the collection comments dated xx/xx/xxxx, the borrower has stated that he lives in xx. states that  because the property damage was under $10,000 and according to the collection comments, there is a property damage in the form of roof leak, fence damage inside, sheetrock damage, insulation damage, ac damage; with the estimated repairs of  $7000 18; however 90% repairing completed of the subject property and no further  information pertaining to that has been found.    
xx 55642695 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated business disclosure is missing from the loan files.    
xx 55642695 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Application Missing (Lvl 2) The final loan application is missing from the loan files.    
xx 55642695 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service providers is missing from the loan files.    
xx 55642695 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * Operative Index Numerical Value Unavailable based on lender docs (Lvl 2) The operative index value is unable to determine from the available loan files.    
xx 55642695 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) xx     
xx 32339746 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 32339746 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 32339746 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal at the origination is missing from the loan file.    
xx 32339746 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 2) xx    
xx 32339746 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Data Edit Data Edit Active B * Deceased Borrower(s) (Lvl 3) According to the updated title report dated xx/xx/xxxx, the borrower,xx was deceased on xx. However, no details regarding the death certificate or probate has been found in the collection comments.

.		    
xx 32339746 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Data Edit Data Edit Active B * Foreclosure Delay or Contested (Lvl 3) As per servicing comments, the contested process was opened on xx/xx/xxxx, due to the court requires the original note to be presented to the court at the next foreclosure hearing.  
No evidence has been found in the servicing comment which states that the contested matter has been resolved or not.
As per servicing commentsxx/xx/xxxx, the borrower xx was passed away and the courts wants to prove the heirs identity.		    
xx 32339746 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Title Review Active B * Title Review shows different mtg holder of record (Lvl 2) As per the review of updated title report dated xx/xx/xxxx shows that the xx    
xx 32339746 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 3) xx    
xx 32339746 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Valuation Property Active B * Property is Manufactured Housing (Lvl 4) Home not affixed. Appraisal report at the time of origination is missing from the loan file. As per appraisal report dated xx,  shows subject property is Manufactured Home and states dwelling has been permanently affixed to a foundation and the towing hitch, wheels and axles has been removed. The VIN # is not available in the legal description of the mortgage. The final title policy is missing from the loan file. Also, there is no title commitment or preliminary title policy available in the file. Affidavit of affixation is missing from the loan files. The Tax report from the Updated title shows separate assessment for Land and Improvement. Hence, unable to determine whether the home is attached to the permanent concrete foundation."    
xx 32339746 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) Mortgage Insurance certificate is missing from loan files    
xx 32339746 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Servicing comments are available in the file from xx/xx/xxxx tillxx/xx/xxxx; However, we require latest 24 months comments history.  Missing servicing comments from xx/xx/xxxx toxx/xx/xxxx.    
xx 32339746 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Application Missing (Lvl 2) The Final 1003 (Application)  is missing from the loan file.    
xx 32339746 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Legal Docs Doc Issue Active B * Missing Title evidence (Lvl 4) The final title policy is missing from the loan file. Also, there is no title commitment or preliminary title policy available in the file.    
xx 32339746 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) The ROR is not signed by borrower.    
xx 32339746 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The Subject property is located in South Carolina state. The below Required State disclosures are missing in the given loan file.
1.Casualty Insurance Disclosure 2.Agent Preference Disclosure		    
xx 45463624 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 45463624 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 45463624 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 45463624 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An Appraisal Report is missing from the loan file.    
xx 45463624 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 4) According to the updated title report dated xx/xx/xxxx, the xx  annual taxes have been delinquent in the amount of $8525.51. Total delinquent taxes on the property are above 5% of the loan amount.    
xx 45463624 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 45463624 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final Application is missing from the loan file.    
xx 45463624 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Legal Docs Doc Issue Active B * Missing Title evidence (Lvl 4) Final Title Policy at origination is missing in the loan file and there is no commitment / preliminary report is available in the file either.    
xx 45463624 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Disclosure is missing from the loan file.    
xx 45463624 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Providers is missing from the loan file.    
xx 45463624 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of service transfer disclosure is missing from the loan file.    
xx 45463624 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The payment history is not complete. The available payment history isxx/xx/xxxx toxx/xx/xxxx. The payment history is missing from xx/xx/xxxx toxx/xx/xxxx. As we require latest 12 months payment history.    
xx 33407418 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 33407418 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 33407418 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from the loan file.    
xx 33407418 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from the loan file.    
xx 33407418 xx 561 561-882 xx Non-QM QC Complete Florida xx NPL NPL Active B * POC Deadline is coming soon (Lvl 3) The borrowers xx. The plan was confirmed on xx. The deadline for filing POC was set on xx. However, the lender had not been filed the POC yet.    
xx 33407418 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The following disclosures are missing from the loan file:
1. Anti-Coercion Notice.
2. Title Insurance Disclosure.
3. Radon Gas Disclosure.
4. Insurance Sales Disclosure.		    
xx 33407418 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The loan modification which was made on xx. According to the modified terms, the new principal balance is in the amount of $xx. The lender agree to forgive principal in the amount of $xx, which exceeds 2% of modification amount.    
xx 33407418 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to confirm the operative index value from the loan file.    
xx 81427694 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 81427694 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 81427694 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Form is missing from the loan file.    
xx 81427694 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan file.    
xx 81427694 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 81427694 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 81427694 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final Loan Application is missing from the loan file.    
xx 81427694 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Acct Disclosure is missing from the loan file.    
xx 81427694 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Providers Disclosures is missing from the loan file.    
xx 81427694 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in FL state. The following state disclosure is missing from the loan file.
Anti-Coercion Notice
Title Insurance Disclosure
Radon Gas Disclosure
Insurance Sales Disclosure		    
xx 81427694 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to determine an operative index value since the supportive documents are missing from the loan file.    
xx 24614453 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 24614453 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 24614453 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Active State Tax Lien Judgement. (Lvl 2) Per the Updated Title Report dated xx/xx/xxxx, there are 4 active state tax liens with xx    
xx 24614453 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) The Final HUD is not executed by the borrowers however it is stamped true and exact copy of the original and is executed by the Settlement Agent with xx.    
xx 24614453 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Doc Issue Active B * Loan has escrow holdback. No proof it was released (Lvl 2) The Final HUD is not executed by the borrowers however it is stamped true and exact copy of the original and is executed by the Settlement Agent with xx.  The HUD reflects a Title Hold for Verbal Payoff in the amount of xx.  No verification located in the file that the funds were released.    
xx 24614453 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Doc Issue Active B * Missing flood cert (Lvl 2) The flood cert from origination is missing from the file.    
xx 54098533 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 54098533 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 54098533 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) The Final HUD at origination is not executed by the borrower however it is stamped true & correct copy of the original and is executed by the Settlement Agent at xx.    
xx 54098533 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Doc Issue Active B * Missing flood cert (Lvl 2) The flood cert is missing from the file.    
xx 54098533 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The loan was modified on xx with a new principal balance of $xx of which $xx is deferred and an interest bearing amount of $xx with a step rate starting at 2% and a P&I payment of $xx for 5 years then steps up yearly from 3% to 4% then 4.75% on xx/xx/xxxx until maturity date of xx/xx/xxxx.  The lender forgave principal in the amount of $xx which exceeds 2% of the modification amount.    
xx 75527144 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 75527144 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 75527144 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) Forgiven amount in the modification exceeds more than 2% of modified amount
The loan was modified with an effective date of xx with a new principal balance of $xx out of which $xx would be deferred. However, the lender has agreed to forgive principal amount $xx which is more than 2% of modified amount.		    
xx 75527144 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Active State Tax Lien Judgement. (Lvl 2) Per the Updated Title Report dated xx/xx/xxxx, there are 3 State Tax Liens totaling $276.06 with the xx    
xx 75527144 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 75527144 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 67981399 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 67981399 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 67981399 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 67981399 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Following state disclosures are missing from the loan file.
Private Mortgage Insurance Disclosure
Earthquake Disclosure forCondominiums
Hazard Insurance Disclosure
Insurer RecommendationDisclosure
CA Fair Lending Notice
Anti-Tying Disclosure
Privacy Notice
Notice of Right to Copy of Appraisal
Application for Credit-Married Persons
Fair Debt Collection Notice
Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 67981399 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider disclosure is missing from the loan file.    
xx 67981399 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
xx 67981399 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from the loan file.    
xx 67981399 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 75611594 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 75611594 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 75611594 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated businss disclosure is missing from loan file.    
xx 75611594 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Doc Issue Active B * Missing flood cert (Lvl 2) Flood cert. is missing form loan file.    
xx 75611594 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing form loan file.    
xx 75611594 xx 561 561-882 xx Non-QM QC Complete California xx Credit Other Disclosures Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from loan file.    
xx 75611594 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) Loan modification agreement was made between Borrower xx. As per MOD lender decided to forgive principal amount of $5,338.45 from UPB which exceeds the modified UPB by more than 2%.    
xx 75611594 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 75611594 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 75611594 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 69103526 xx 561 561-882 xx Non-QM QC Complete Arizona xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 69103526 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Form Disclosure is missing from the loan file.    
xx 69103526 xx 561 561-882 xx Non-QM QC Complete Arizona xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD-1 is available in the loan file. However, it is not signed by borrower.    
xx 69103526 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Acct Disclosure is missing from the loan file.    
xx 69103526 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
xx 69103526 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing Transfer Document is missing from the loan file.    
xx 69103526 xx 561 561-882 xx Non-QM QC Complete Arizona xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) This loan modification was done on xx (Lender).   The amortization type is step and new unpaid Principal balance is $185,388.26  and lender agree to forgiven principal in the amount of $18,538.83 which is exceeding 2% of modification amount.    
xx 25368132 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 25368132 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 25368132 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Form is missing from the loan file.    
xx 25368132 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan file.    
xx 25368132 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 25368132 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final Application is missing from the loan file.    
xx 25368132 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Providers Disclosures is missing from the loan file.    
xx 25368132 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer Disclosure Document is missing from the loan file.    
xx 25368132 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in CA state. The following state disclosure is missing from the loan file.
Impound Account Disclosure
Cosigner Notice
Private Mortgage Insurance Disclosure
Earthquake Disclosure forCondominiums
Hazard Insurance Disclosure
Insurer RecommendationDisclosure
CA Fair Lending Notice
Anti-Tying Disclosure
Privacy Notice
Notice of Right to Copy of Appraisal
Application for Credit-Married Persons
Fair Debt Collection Notice
Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 25368132 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Property Active B * Subject property is located in a FEMA designated disaster area (recent). (Lvl 2) The subject property is located in the county where recent FEMA disaster is declared (California wild fires).    
xx 25368132 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 2) xx    
xx 25368132 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 25368132 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to determine an operative index value since the supportive documents are missing from the loan file.    
xx 12774343 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 12774343 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 12774343 xx 561 561-882 xx Non-QM QC Complete Illinois xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 12774343 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 12774343 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow acct. disclosure is missing from the loan file.    
xx 12774343 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Other Disclosures Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from the loan file.    
xx 12774343 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
xx 12774343 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is missing from the loan file.    
xx 96885240 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 96885240 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 96885240 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 96885240 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal is missing from the loan file.    
xx 96885240 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 96885240 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Credit Doc Issue Active B * ROR Transaction date not consistent with Note and/or HUD (Lvl 2) As per HUD-1 Settlement date is xx and ROR transaction date is xx, however loan origination date is xx.    
xx 96885240 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD-1 is not signed by the borrowers.    
xx 96885240 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 96885240 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
xx 96885240 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The Subject property is located in Minnesota (MN) state. The below Required State disclosures are missing in the given loan files.
1] Interest Rate or Discount Point Agreement.
2] Insurance Disclosure.		    
xx 96885240 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Compliance Compliance Active B * Operative Index Numerical Value Unavailable based on lender docs (Lvl 2) Unable to determine operative index value from the loan file.    
xx 85765110 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 85765110 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 85765110 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 85765110 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final Application is missing from the loan file.    
xx 85765110 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated Business Disclosure is missing from the loan file.    
xx 85765110 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 85765110 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider disclosure is missing from the loan file.    
xx 85765110 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The property is located in State of California and the required disclosures are missing from the loan file as follow.
Impound Account Disclosure
Cosigner Notice
Private Mortgage Insurance Disclosure
Hazard Insurance Disclosure
Insurer RecommendationDisclosure
Anti-Tying Disclosure
Privacy Notice
Notice of Right to Copy of Appraisal
Application for Credit-Married Persons
Fair Debt Collection Notice
Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 96887627 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 96887627 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 96887627 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Form Disclosure is missing from loan file.    
xx 96887627 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application is missing from the loan file.    
xx 96887627 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Credit Active B * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 is available in the loan file. However, point & fees value is hand written.    
xx 96887627 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider is missing from the loan file.    
xx 96887627 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index value unable confirmed from the available loan file.    
xx 96887627 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in New york, Following Disclosures are missing from loan file.
NY Consumer Credit Disclosure / Fair Credit Reporting Notice
NY Interest Rate Disclosure
NY Hazard Insurance  Disclosure
Tax Escrow Account Designation
Mortgage Bankers and Exempt Organizations Reapplication
Part 80 Disclosure
Alternative Mortgage Transaction Disclosures
Co-Signer Notice Requirements
Default Warning Notice
Smoke Alarm Affidavit
New York Real Property Escrow Account Disclosure
Sub prime Home Loan Counseling Disclosure
Sub prime Home Loan Tax and Insurance Payment Disclosure
Sub prime Home Loan Disclosure
Commitment Disclosure
Lock-in Disclosure
Expiration of Lock-in or Commitment Period		    
xx 96887627 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the late fees test    
xx 96887627 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the late fees test.
According to note, late fees charge 5.00% which is compared with 2.00% and variance is +3.00%.

The loan has late fees that do not conform to the requirements for the lenders license type in the state where the property is
located.		    
xx 83148592 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 83148592 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 83148592 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * ROR Transaction date not consistent with Note and/or HUD (Lvl 2) As per Note, note date is xx. Final HUD-1 shows the settlement date is xx. However, ROR shows the transaction date is xx which is inconsistent from the Note and HUD-1 date.    
xx 83148592 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 83148592 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
xx 83148592 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider document is missing from the loan file.    
xx 83148592 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The property is located in state of California. The following required State Disclosure are missing in the loan file.
1.Impound Account Disclosure
2.Cosigner Notice
3.Private Mortgage Insurance Disclosure
4.Earthquake Disclosure forCondominiums
5.Hazard Insurance Disclosure
6.Insurer RecommendationDisclosure
7.CA Fair Lending Notice
8.Anti-Tying Disclosure
9.Privacy Notice
10.Notice of Right to Copy of Appraisal
11.Application for Credit-Married Persons
12.Fair Debt Collection Notice
13.Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 83148592 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
xx 31256095 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 31256095 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 31256095 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Doc Issue Active B * Missing flood cert (Lvl 2) Flood Cert was not located in the file.    
xx 31256095 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 2) The Final HUD provided in the file is not executed by the borrower however it is stamped true & exact copy of the original and is executed by the xx.  The property is located in the state of California.    
xx 31256095 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Operative Index Numerical Value Unavailable based on lender docs (Lvl 2) The Note at origination is an Adjustable Rate Mortgage Note Pick-A-Payment Loan with a Neg Am feature.  Unable to determine the Operative Index Value used by the lender at origination.    
xx 31256095 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 82163849 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 82163849 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 82163849 xx 561 561-882 xx Non-QM QC Complete Maryland xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 82163849 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) On the basis of lender documents, operative index is unable to confirm.    
xx 82163849 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from the loan file.    
xx 82163849 xx 561 561-882 xx Non-QM QC Complete Maryland xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The forgiven amount exceeds 2% of modified amount.
As per loan modification dated xx. The lender had agreed to forgive principal in the amount of $30,975.25, which is exceeding 2% of modification amount.		    
xx 57959606 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 57959606 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 57959606 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Doc Issue Active B * Missing flood cert (Lvl 2) * Any credit documents missing from file such as: Appraisal, Application/1003, TIL, ROR, MI Cert, Riders,    
xx 57959606 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) * Final HUD-1 / settlement statement not signed or executed by borrower/s    
xx 57959606 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) * Settlement Date different than the Note Date    
xx 57959606 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) *This loan failed the initial TIL disclosure date test due to one of the following: ( 12 CFR §1026.17(b),1026.19(a) ,
transferred from 12 CFR §226.17(b) , 226.19(a) , as amended in 2009 )
The date creditor received the application (formerly application date) is on or after July 30, 2009, and:
The loan is a mortgage transaction subject to the Real Estate Settlement Procedures Act (12 U.S.C. §2601 et seq.) that is
secured by the consumer's dwelling; and
The initial TIL disclosure date is not later than the third business day (counting days on which the creditor's offices are
open to the public for carrying on substantially all of its business functions) after the creditor receives the consumer's
written application; and
The initial TIL disclosure date is not later than the seventh business day (counting all calendar days except Sunday and
specified legal public holidays) before consummation of the transaction..		    
xx 57959606 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 57959606 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 57959606 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the initial TIL disclosure date test due to one of the following: ( 12 CFR §1026.17(b),1026.19(a) ,
transferred from 12 CFR §226.17(b) , 226.19(a) , as amended in 2009 )
The date creditor received the application (formerly application date) is on or after July 30, 2009, and:
The loan is a mortgage transaction subject to the Real Estate Settlement Procedures Act (12 U.S.C. §2601 et seq.) that is
secured by the consumer's dwelling; and
The initial TIL disclosure date is not later than the third business day (counting days on which the creditor's offices are
open to the public for carrying on substantially all of its business functions) after the creditor receives the consumer's
written application; and
The initial TIL disclosure date is not later than the seventh business day (counting all calendar days except Sunday and
specified legal public holidays) before consummation of the transaction.		    
xx 41202567 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 41202567 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 41202567 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) * Settlement Date different than the Note Date    
xx 41202567 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
xx 41202567 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Property Active B * Property Damage (Lvl 2) Per comments dated xx/xx/xxxx borrower stated she was impacted by hurricane xx Financially and sustained Property damage, no further information regarding the damage and Repairs are mentioned in the comments. However as per the Document in the updated title report of Notice of commencement states that improvements to the property are being made the document is dated xx/xx/xxxx.    
xx 41202567 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by the borrower.    
xx 41202567 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The affiliated business form is missing in the loan files.    
xx 41202567 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service providers is missing in the loan files.    
xx 41202567 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The required state disclosures are missing in the loan files. Anti-Coercion Notice, Title Insurance Disclosure, Radon Gas Disclosure, Insurance Sales Disclosure.    
xx 41202567 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Legal Docs Active B * Updated title review shows IRS / vehicle / federal / personal tax liens (Lvl 2) There is a IRS liens recorded on xx.    
xx 57702905 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Missing required 1-4 family rider (Lvl 2) 1-4 Family Rider is missing from the loan file.    
xx 57702905 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 57702905 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan file.    
xx 57702905 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 57702905 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final Application is missing from the loan file.    
xx 57702905 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 57702905 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 57702905 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in California state.The following state disclosures are missing from the loan file.
1.Impound Account Disclosure
2.Cosigner Notice
3.Private Mortgage Insurance Disclosure
4.Earthquake Disclosure forCondominiums
5.Hazard Insurance Disclosure
6.Insurer RecommendationDisclosure
7.CA Fair Lending Notice
8.Anti-Tying Disclosure
9.Privacy Notice
10.Notice of Right to Copy of Appraisal
11.Application for Credit-Married Persons
12.Fair Debt Collection Notice
13.Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 57702905 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to determine an operative  index value since the supportive documents are missing from the loan file.    
xx 63513607 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 63513607 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 63513607 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 2) xx    
xx 63513607 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 63513607 xx 561 561-882 xx Non-QM QC Complete Arizona xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report at origination is missing from the loan file.    
xx 63513607 xx 561 561-882 xx Non-QM QC Complete Arizona xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 63513607 xx 561 561-882 xx Non-QM QC Complete Arizona xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD-1 is not signed by the borrower.    
xx 63513607 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 63513607 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of Servicing Transfer disclosure missing from the loan file.    
xx 63513607 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active B * Operative Index Numerical Value Unavailable based on lender docs (Lvl 2) Unable to confirm operative index value from the loan file.    
xx 41778069 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 41778069 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 41778069 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Property Active B * Property Damage (Lvl 2) According to servicing comment dated xx/xx/xxxx, subject property is damage. The nature of damage and estimated cost of repair  unable to confirmed from the servicing comment. However, latest servicing comment dated xx/xx/xxxx,  shows damage repair has been over.    
xx 41778069 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Form Disclosure is missing from the loan file.    
xx 41778069 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application is missing from the loan file.    
xx 41778069 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD-1 is available in the loan file. However, it is not signed by borrower.    
xx 41778069 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 41778069 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program Disclosure is missing from the loan file.    
xx 41778069 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in California State. The following state disclosure is missing from the loan file.
1. Impound Account Disclosure
2. Cosigner Notice
3. Private Mortgage Insurance Disclosure
4. Earthquake Disclosure for Condominiums
5. Hazard Insurance Disclosure
6. Insurer Recommendation Disclosure
7. CA Fair Lending Notice
8. Anti-Tying Disclosure
9. Privacy Notice
10. Notice of Right to Copy of Appraisal
11. Application for Credit-Married Persons
12. Fair Debt Collection Notice
13. Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 41778069 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) This loan modification was done on xx (Lender). New unpaid Principal balance is $135,000.00 and lender agree to forgive the principal in the amount of $186,013.06 which is exceeds 2% of modification principal  amount.    
xx 43121797 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 43121797 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 43121797 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 43121797 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated Business Disclosure is missing from the loan file.    
xx 43121797 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 43121797 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Active State Tax Lien Judgement. (Lvl 3) The Updated-title report dated xx/xx/xxxx shows the subject mortgage was originated on xx.
There is certificate of property tax found against the borrower in the amount of xx.		    
xx 63041276 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 63041276 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 63041276 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase Risk indicator is moderate due to State Regulations are failed for Prepayment Term Test & Prohibited fees Test.    
xx 63041276 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final Application is missing from the loan file.    
xx 63041276 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Application Not Signed by All Borrowers (Lvl 2) Final Application is missing from the loan file. However, values are considered from initial application dated xx.    
xx 63041276 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The affiliated business form disclosure is missing from the loan file.    
xx 63041276 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) The chain of assignment is incomplete as there is a break in chain of assignment from xx to xx.    
xx 63041276 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of services providers disclosure is missing from the loan file.    
xx 63041276 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 63041276 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located at NJ State. The following state disclosures are missing from the loan files.
·NJ Application Disclosure, ·Delivery Fee Authorization, ·NJ Attorney Disclosure, ·The unacceptability of Insurance Notice, ·Attorney Disclosure II, ·Tax Bill Information, ·Private Well Testing, ·Commitment Disclosures, ·Choice of Insurer Disclosure, ·Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application.		    
xx 63041276 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the prepayment term test.
The loan has a prepayment term that does not conform to the requirements for the lender's license type in the state where the
property is located.
Prepayment Term Test: FAIL 36Months 0Months 36Months
This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test.
Prohibited Fees Test: FAIL $2,521.95 $0.00 +$2,521.95		    
xx 63041276 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to determine an operative  index value since the supportive documents are missing from the loan file.    
xx 58015917 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 58015917 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 58015917 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 58015917 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan file.    
xx 58015917 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 58015917 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) xx    
xx 58015917 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final Application is missing from the loan file.    
xx 58015917 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 58015917 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 58015917 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 8846774 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 8846774 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 8846774 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 8846774 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 8846774 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 8846774 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) The operative index value is unable to determine from the available loan file.    
xx 8846774 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Massachusetts State. The following Disclosures are missing from the loan file.
1. Lead-Based Paint Disclosure
2. Mortgage Loan Application Disclosure
3. Carbon Monoxide Alarms
4. MA Smoke Detector Certificate
5. Notice of the Specific Reason for Denial of Credit
6. Demonstration and Documentation of Compliance with Borrower’s Interest Requirement		    
xx 88209551 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 88209551 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 88209551 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) According to Modification agreement made on xx. The existing principal is in the amount of $207,062.36 and modified new principal is in the amount of $190,497.37. Hence, the principal has been forgiven in the amount of $16,564.99 which exceeds 2% of the modification amount.
The worksheet of modification located at (xx) reflects there is an 8% reduction in principal balance and the reduced UPB is $190,497.37.		    
xx 88209551 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 88209551 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 88209551 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider document is missing from the loan file.    
xx 88209551 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
xx 88209551 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) xx    
xx 88209551 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Florida State. The following state disclosures are missing in the loan file.
1.Anti-Coercion Notice
2.Title Insurance Disclosure
3.Radon Gas Disclosure
4.Insurance Sales Disclosure		    
xx 88209551 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to determine operative index value since supportive documents are missing from the loan file.    
xx 90646484 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 90646484 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 90646484 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Doc Issue Active B * Missing flood cert (Lvl 2) Missing the flood cert from the file.    
xx 90646484 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 90646484 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 90646484 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) The Final HUD located in the file is not executed by the borrowers however it is stamped true and correct copy of the original and is executed by the Settlement Agent.    
xx 90646484 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 31484411 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 31484411 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 31484411 xx 561 561-882 xx Non-QM QC Complete Ohio xx Data Edit Data Edit Active B * Deceased Borrower(s) (Lvl 3) According to the updated title report dated xx/xx/xxxx, the borrower,xx was deceased on xx. However, no details regarding the death certificate or probate has been found in the collection comments.

.		    
xx 31484411 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) The final TIL is not hand dated by the borrower.    
xx 31484411 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider document is missing from the loan file.    
xx 31484411 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 3) The loan type is FHA and final application shows the mortgage insurance amount is xx. Also, the LTV exceeds the xx. However, the MI certificate is missing from the loan file.    
xx 31484411 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Ohio State. The following required state disclosures are missing from the loan file.
1.Equal Credit Availability Notice
2.Insurance Tying Disclosure
3.Non-Deposit Insurance Disclosure		    
xx 86436672 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 86436672 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 86436672 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD-1 is not signed by borrower.    
xx 86436672 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The following state (CA) disclosures are missing from the loan file:

1. Insurer Recommendation Disclosure
2. Anti-Tying Disclosure
3. Privacy Notice
4. Notice of Right to Copy of Appraisal
5. Fair Debt Collection Notice		    
xx 86436672 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Prepayment Rider Missing (Lvl 2) The loan has prepayment provision in Note but prepayment rider is not attached with the recorded copy of mortgage.    
xx 86436672 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The loan was modified on xx will be deferred and same is  eligible for forgiveness if borrower is not in default on his new payments such that the equivalent of 3 full monthly payments are due and unpaid on the last day of any month, on each of the 1st, 2nd and 3rd anniversaries of xx/xx/xxxx, the Lender shall reduce the deferred principal balance of my Note in installments equal to 1/3rd of the deferred principal reduction amount. The tape of updated payment history is also not showing deferred balance.    
xx 86436672 xx 561 561-882 xx Non-QM QC Complete California xx Data Edit Data Edit Active B * Deceased Borrower(s) (Lvl 3) According to the updated title report dated xx/xx/xxxx, the borrower,xx was deceased on xx. However, no details regarding the death certificate or probate has been found in the collection comments.

.		    
xx 86436672 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 86436672 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * ROR Transaction date not consistent with Note and/or HUD (Lvl 2) The transaction date is mentioned in ROR/RTC as xx but Note date is xx    
xx 92596337 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 92596337 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 92596337 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 92596337 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 92596337 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD-1 is not signed by the borrower.    
xx 92596337 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from the loan file.    
xx 92596337 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is missing from the loan file.    
xx 92596337 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Amount of title insurance is less than mortgage amount (Lvl 3) The amount of insurance is xx on the final title policy which is less than the loan amount xx    
xx 92596337 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The Subject property is located in California  (CA) state. The below Required State disclosures are missing in the given loan files. 
1] Impound Account Disclosure.
2] Cosigner Notice.
3]Private Mortgage Insurance Disclosure.
4]Earthquake Disclosure forCondominiums.
5]Anti-Tying Disclosure.
6]Notice of Right to Copy of Appraisal.
7]Fair Debt Collection Notice.		    
xx 92596337 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Operative Index Numerical Value Unavailable based on lender docs (Lvl 2) Unable to determine operative index value from the loan file.    
xx 50509206 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 50509206 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 50509206 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business from is missing from the loan file.    
xx 50509206 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Data Edit Data Edit Active B * Deceased Borrower(s) (Lvl 3) According to the updated title report dated xx/xx/xxxx, the borrower,xx was deceased on xx. However, no details regarding the death certificate or probate has been found in the collection comments.

.		    
xx 50509206 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan.    
xx 50509206 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan Program Disclosure is missing from the loan file.    
xx 50509206 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing Transfer Document is missing from the loan file.    
xx 50509206 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Credit Doc Issue Active B * Application Missing (Lvl 2) The Final Application/1003 is missing from the loan file.    
xx 50509206 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The List of service providers disclosure is missing from the loan file.    
xx 50509206 xx 561 561-882 xx Non-QM QC Complete Louisiana xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The payment history is available from xx/xx/xxxx to xx/xx/xxxx; however, we required the last 12 months of payment history. The payment history is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 50509206 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The property is located in the Louisiana(LA) state. The below disclosures are missing from the loan file.
1.Authorization Fees, Charges and Expenses for Federally Related Mortgage Loans
2.Anti-Tying Disclosure
3.Financial Institution Choice of Insurance Disclosure		    
xx 50509206 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comment is available from xx/xx/xxxx to xx/xx/xxxx; however, we required the last 24 months of servicing comments. The servicing comment is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 50509206 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to determine the Operative index value from the available loan file.    
xx 55649104 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 55649104 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 55649104 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 55649104 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 is not executed by borrower.    
xx 55649104 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Application Not Signed by All Borrowers (Lvl 2) Final 1003 is not executed by borrower.    
xx 55649104 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD-1 is not executed by borrower.    
xx 55649104 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account disclosure is missing from the loan file.    
xx 55649104 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from the loan file.    
xx 55649104 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Mortgage Active B * Mortgage  (Lvl 2) Subject loan was originated under jumbo loan category.    
xx 55649104 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The following state (CA) disclosures are missing from the loan file:

1. Insurer Recommendation Disclosure
2. Anti-Tying Disclosure
3. Privacy Notice
4. Notice of Right to Copy of Appraisal
5. Fair Debt Collection Notice		    
xx 55649104 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Prepayment Rider Missing (Lvl 2) The loan has prepayment provision in Note but prepayment rider is not attached with the recorded copy of mortgage.    
xx 55649104 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 32081380 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 32081380 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 32081380 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Valuation Property Active B * Property Damage (Lvl 2) As per comment dated xx/xx/xxxx, the borrower had to pay for property damage. No further comments found regarding the same. The exact amount & nature of damage are unavailable. . No further information is available whether the repairs have been done or not    
xx 32081380 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application is missing from the loan file.    
xx 32081380 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 32081380 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of servicing providers disclosure is missing from the loan file.    
xx 32081380 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing fro the loan file.    
xx 32081380 xx 561 561-882 xx Non-QM QC Complete North Carolina xx NPL General Active B * Missing Updated Title Report (Lvl 4) The received Updated title report dated xx/xx/xxxx is incomplete. It has only 4 pages (abstract report only). The supportive documents in the updated title report are missing.    
xx 32081380 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in North Carolina State. The following required state disclosures are missing from the loan file.
1.Amortization Schedule Disclosure
2.Credit Property Insurance Disclosure
3.Fee Agreement
4.Priority of Security Instrument Disclosure
5.Attorney Selection Disclosure		    
xx 32081380 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the late fees test.
The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located.
The loan data is 5.000% and comparison data is 4.000 %; hence, the variance is +1.000%.
This loan failed the first lien lender fees test due to one of the following findings.
The loan is a first lien mortgage with a principal amount that is greater than or equal to $10,000 and the sum of all lender fees exceeds the greater of 0.25% of the principal amount or $150. Lender fees are all fees designated for the lender other than the origination fee, discount points, assumption fee, rate lock fee, application fee, commitment fee, lender
inspection fee (post-close) and interest; or
The loan is a first lien mortgage made by a HUD-approved lender and the sum of all lender fees exceeds the greater of 0.25% of the principal amount or $150. Lender fees are all fees designated for the lender other than the origination fee, discount points, assumption fee, rate lock fee, application fee, commitment fee, lender inspection fee (post-close) and
interest; or
The loan is a first lien mortgage with a principal amount that is less than $10,000 and the loan charges a lender fee.
The loan data is $456.00 and comparison data is $225.00; hence, the variance is +$231.00.		    
xx 32081380 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the late fees test.
This loan also failed for the first lien lender fees test.		    
xx 32081380 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to determine operative index value since supportive documents are missing from the loan file.    
xx 72447380 xx 561 561-882 xx Non-QM QC Complete Washington D.C. xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 72447380 xx 561 561-882 xx Non-QM QC Complete Washington D.C. xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from the loan file.    
xx 72447380 xx 561 561-882 xx Non-QM QC Complete Washington D.C. xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The following disclosures are missing from the loan file,
1.DC Insurance Notice
2.Domestic Partner Disclosure		    
xx 66789976 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 66789976 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 66789976 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business form is missing from the loan file.    
xx 66789976 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 66789976 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Legal Docs Doc Issue Active B * Amount of title insurance is less than mortgage amount (Lvl 3) As per the final title policy the amount of insurance is xx which is less than the original amount .However the original loan amount is xx.This can be cured by adding an addendum to final title policy with correct amount of insurance.    
xx 66789976 xx 561 561-882 xx Non-QM QC Complete New Jersey xx NPL General Active B * The property had a tax sale - property or cert was sold to 3rd party (Lvl 2) As per the updated title report dated  xx/xx/xxxx the certificate of tax buyer for the unpaid municipal liens was recorded on xx the amount of tax is not available. No release found in the county records.    
xx 66789976 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 66789976 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow acct disclosure is missing from the loan file.    
xx 66789976 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
xx 66789976 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index value is unable to determine from the available loan file.    
xx 66789976 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Prepayment Term Test: FAIL Loan Data 36Months Comparison Data 0Months Variance  36Months    
xx 66789976 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The modification agreement was made between the lender xx. The first payment date is xx and the maturity date is xx.
The amount of $71,043.00 has been forgiven exceeds 2% of modification amount.		    
xx 66789976 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Legal Docs Doc Issue Active B * Prepayment Rider Missing (Lvl 2) The original note contains the prepayment penalty term, however the prepayment penalty rider is missing from the loan file.    
xx 66789976 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the prepayment penalty test. ( Freddie Mac Bulletin 2013-16 )
The loan charges a prepayment penalty. Prepayment penalty mortgages are not eligible for sale to Freddie Mac.		    
xx 66789976 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * GSE Points and Fees Test Violations (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.    
xx 1201504 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 1201504 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 1201504 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 1201504 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 1201504 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final loan application is missing from the loan file.    
xx 1201504 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from the loan file.    
xx 1201504 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Operative Index Numerical Value Unavailable based on lender docs (Lvl 2) Operative index numerical value is unavailable as the supportive documents such as loan program disclosure/rate lock agreement/closing instruction are missing from the loan file.    
xx 1201504 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) The ComplianceEase risk indicator is "Elevated", due to
GSE (Freddie Mac public guidelines) Prepayment Penalty Test:
This loan failed the prepayment penalty test. ( Freddie Mac Bulletin 2013-16 )		    
xx 1201504 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located at "Florida" state and this state requires following disclosures and all are missing from the loan file.
1) Anti-Coercion Notice
2) Radon Gas Disclosure
3) Insurance Sales Disclosure		    
xx 27685925 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 27685925 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 27685925 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Form is missing from the loan file.    
xx 27685925 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 27685925 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 27685925 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) GSE (Freddie Mac public guidelines) Prepayment Penalty Test: Result: FAIL.

This loan failed the prepayment penalty test.
The loan charges a prepayment penalty. Prepayment penalty mortgages are not eligible for sale to Freddie Mac		    
xx 27685925 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Services Providers is missing from the loan file.    
xx 27685925 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 27685925 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located at FL State. The following state disclosures are missing from the loan files.
·Anti-Coercion Notice
·Title Insurance Disclosure
·Radon Gas Disclosure
·Insurance Sales Disclosure.		    
xx 27685925 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to determine an operative  index value since the supportive documents are missing from the loan file.    
xx 49871761 xx 561 561-882 xx Non-QM QC Complete Washington D.C. xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 49871761 xx 561 561-882 xx Non-QM QC Complete Washington D.C. xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 49871761 xx 561 561-882 xx Non-QM QC Complete Washington D.C. xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business form is missing from the loan file.    
xx 49871761 xx 561 561-882 xx Non-QM QC Complete Washington D.C. xx Valuation Property Active B * Property Damage (Lvl 2) As per the comment dated xx/xx/xxxx, the borrower had water damage to the home, however, no further details have been found regarding the nature of damage, date of loss and estimated repairs amount.    
xx 49871761 xx 561 561-882 xx Non-QM QC Complete Washington D.C. xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Below mentioned required state disclosures are missing from the loan file:
1. Construction Lien Disclosure
2. Mortgage Loan Servicing Disclosure
3. Choice of Insurance Notice
4. Purchase Money Residential Mortgage Loan Closing Valuation Disclosure
5. Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 49871761 xx 561 561-882 xx Non-QM QC Complete Washington D.C. xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers document is missing from the loan file.    
xx 49871761 xx 561 561-882 xx Non-QM QC Complete Washington D.C. xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to calculate Operative index value due to missing documents from the loan file.    
xx 26099784 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 26099784 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 26099784 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrowers.    
xx 26099784 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated Business Disclosure is missing from the loan file.    
xx 26099784 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) The Appraisal at the time of origination is missing from the loan file.    
xx 26099784 xx 561 561-882 xx Non-QM QC Complete Florida xx Data Edit Data Edit Active B * Deceased Borrower(s) (Lvl 3) According to the updated title report dated xx/xx/xxxx, the borrower,xx was deceased on xx. However, no details regarding the death certificate or probate has been found in the collection comments.

.		    
xx 26099784 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Application Missing (Lvl 2) The Final Application/1003 is missing from the loan file.    
xx 26099784 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Doc Issue Active B * Missing Title evidence (Lvl 4) The Final Title Policy along with Commitment / preliminary policy  are missing from the loan file.    
xx 26099784 xx 561 561-882 xx Non-QM QC Complete Florida xx Data Edit Data Edit Active B * Foreclosure Delay or Contested (Lvl 2) The foreclosure was contested on xx/xx/xxxx. The comment dated xx/xx/xxxx states that the notified contested issue resolved and the closed the file.    
xx 26099784 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) The Initial Escrow Account Disclosure is missing from the loan file.    
xx 26099784 xx 561 561-882 xx Non-QM QC Complete Florida xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The payment history is not complete. We require the latest 12 months payment history. It is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 26099784 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) The ROR is missing from the loan file.    
xx 26099784 xx 561 561-882 xx Non-QM QC Complete Florida xx NPL General Active B * Recent Foreclosure Sale - Need Update (Lvl 4) xx    
xx 26099784 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The Servicing Transfer Disclosure is missing from the loan file.    
xx 26099784 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in the Florida state. The following state disclosures are missing from the loan file:

1. Anti-Coercion Notice
2. Title Insurance Disclosure
3. Radon Gas Disclosure
4. Insurance Sales Disclosure		    
xx 26099784 xx 561 561-882 xx Non-QM QC Complete Florida xx Data Edit Data Edit Active B * Litigation (Lvl 3) This is litigated loan. The comment dated xx/xx/xxxx states that the loan is in litigation and no further information found regarding the matter was resolved or not.    
xx 4035558 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 4035558 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 4035558 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) According to the modification agreement dated xx located at “xx”, the lender has forgiven principal amount of $xx, which is exceeding 2% of modified principal balance of $125,000.00.    
xx 4035558 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 4035558 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 4035558 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan file.    
xx 4035558 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 4035558 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index value is unable to calculate as supportive document is missing from the loan file.    
xx 4035558 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 4035558 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in california State. The following disclosures are missing from the loan file:
Impound Account Disclosure
Cosigner Notice
Private Mortgage Insurance Disclosure
Earthquake Disclosure forCondominiums
Hazard Insurance Disclosure
Insurer RecommendationDisclosure
CA Fair Lending Notice
Anti-Tying Disclosure
Privacy Notice
Notice of Right to Copy of Appraisal
Application for Credit-Married Persons
Fair Debt Collection Notice
Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application.		    
xx 25669814 xx 561 561-882 xx Non-QM QC Complete New Mexico xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 25669814 xx 561 561-882 xx Non-QM QC Complete New Mexico xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 25669814 xx 561 561-882 xx Non-QM QC Complete New Mexico xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) As per the loan modification which was made on xx. The modified terms, the new principal balance is in the amount of $xx. The amount $xx of the new principal balance has been forgiven which exceeds 2% of modification amount.    
xx 25669814 xx 561 561-882 xx Non-QM QC Complete New Mexico xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Following disclosure of New Mexico is missing from the loan file.

Freedom to Choose InsuranceCompany and InsuranceProfessional		    
xx 25669814 xx 561 561-882 xx Non-QM QC Complete New Mexico xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from the loan file.    
xx 25669814 xx 561 561-882 xx Non-QM QC Complete New Mexico xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Loan Data36Months Comparison Data0Months Variance36Months
This loan failed the prepayment term test.		    
xx 25669814 xx 561 561-882 xx Non-QM QC Complete New Mexico xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) Loan Data36Months Comparison Data0Months Variance36Months
This loan failed the prepayment term test.

The loan has a prepayment term that does not conform to the requirements for the lender's license type in the state where the
property is located.		    
xx 25669814 xx 561 561-882 xx Non-QM QC Complete New Mexico xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from the loan file.    
xx 25669814 xx 561 561-882 xx Non-QM QC Complete New Mexico xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) The chain of assignment is incomplete as there is a break in chain of assignment from xx to xx.    
xx 25669814 xx 561 561-882 xx Non-QM QC Complete New Mexico xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 18767972 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 18767972 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 18767972 xx 561 561-882 xx Non-QM QC Complete Georgia xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) The Appraisal at the time of origination is missing from the loan file.    
xx 18767972 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Application Missing (Lvl 2) The Final Application/1003 is missing from the loan file.    
xx 18767972 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) The Final TIL is not hand dated by the borrower.    
xx 18767972 xx 561 561-882 xx Non-QM QC Complete Georgia xx Legal Docs Doc Issue Active B * Missing Title evidence (Lvl 4) The Final Title Policy at the time of origination along with Commitment and Preliminary title  report are missing from the loan file.    
xx 18767972 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) The Initial Escrow Account Disclosure is missing from the loan file.    
xx 18767972 xx 561 561-882 xx Non-QM QC Complete Georgia xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The payment history is not complete. We require the latest 12 months payment history. It is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 18767972 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) The ROR is not hand dated by the borrower.    
xx 18767972 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in the Georgia state. The following state disclosures are missing from the loan file:
1. Waiver of Borrowers Rights and Closing Attorney Affidavit (not required by law but provided as a matter of custom)
2. Disclosure of Additional Fees		    
xx 50653647 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Property Active B * Subject property is located in a FEMA designated disaster area (recent). (Lvl 2) As per collection comments dated xx/xx/xxxx, the foreclosure was put on hold due to xx  and the disaster protection was expired. The subject property is located in the xx.    
xx 50653647 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) As per modified terms the borrower promises to pay the UPB of $xx; however, as per document located at “xx” there is 18.00% of principal reduction , so the principal balance is $xx and the 18.00% amount that is $xx which  has been forgiven;  that  amount exceeds the 2.00% of UPB. The latest payment history tape data does not reflect any deferred balance and the current UPB is $xx.    
xx 50653647 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 50653647 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated business disclosure is missing from the loan files.    
xx 50653647 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Application Missing (Lvl 2) The final  loan application is missing from the files; however, the values are updated as per the application located at "xx".    
xx 50653647 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service providers is missing from the loan files.    
xx 50653647 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Operative Index Numerical Value Unavailable based on lender docs (Lvl 2) The operative index value is unable to determine from the available loan files.    
xx 50653647 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The property is located in CA state, the following required state disclosures are missing from the loan files.
Impound Account Disclosure
Cosigner Notice
Private Mortgage Insurance Disclosure
Earthquake Disclosure forCondominiums
Hazard Insurance Disclosure
Insurer RecommendationDisclosure
CA Fair Lending Notice
Anti-Tying Disclosure
Privacy Notice
Notice of Right to Copy of Appraisal
Application for Credit-Married Persons
Fair Debt Collection Notice
Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 41307911 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 41307911 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 41307911 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business form is missing from the loan file.    
xx 41307911 xx 561 561-882 xx Non-QM QC Complete Texas xx Valuation Property Active B * Property Damage (Lvl 2) As per the comment dated xx/xx/xxxx, property had damage due to hurricane/wind. Date of loss is xx/xx/xxxx. In collection comments there are two different comments of the same date of xx/xx/xxxx in which Cheaque amount is same in the amount of $392.38; however, the claim amount is different $5,818.58 and $2,455.58. No further details have been found whether repairs are completed or not.    
xx 41307911 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) xx     
xx 41307911 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final Application is missing from the loan file.    
xx 41307911 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers document is missing from the loan file.    
xx 41307911 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to calculate operative index value from the loan file.    
xx 19328198 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 19328198 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 19328198 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 19328198 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business form is missing from the loan file.    
xx 19328198 xx 561 561-882 xx Non-QM QC Complete Florida xx Data Edit Data Edit Active B * Litigation (Lvl 2) As per the comment dated xx/xx/xxxx, the loan is in litigation. The reason for litigation is not found. No further details have been found stating the litigation issue was resolved.    
xx 19328198 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) As per the modification worksheet located at "xx", existing principal balance is in the amount of $296,745.38 which is reduced to $243,331.21. Hence the principal has been forgiven permanently in the amount of $53,414.17 which is exceeding 2% of modification amount.    
xx 19328198 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Legal Docs Active B * Updated title review shows IRS / vehicle / federal / personal tax liens (Lvl 2) As per the review of the updated title report, the search was done on the borrower’s name, there are two IRS liens against the borrower which are recorded on different dates, however, amount is not available and no further details provided to determine whether these liens are against the borrower or not.    
xx 19328198 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 19328198 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Below mentioned required state disclosures are missing from the loan file:
1. Anti-Coercion Notice
2. Title Insurance Disclosure
3. Radon Gas Disclosure
4. Insurance Sales Disclosure		    
xx 19328198 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers document is missing from the loan file.    
xx 19328198 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
xx 19328198 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of Servicing transfer document is missing from the loan file.    
xx 19328198 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index value is unable to determine from the available loan file.    
xx 19328198 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 97526677 xx 561 561-882 xx Non-QM QC Complete Nevada xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 97526677 xx 561 561-882 xx Non-QM QC Complete Nevada xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 97526677 xx 561 561-882 xx Non-QM QC Complete Nevada xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 97526677 xx 561 561-882 xx Non-QM QC Complete Nevada xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 97526677 xx 561 561-882 xx Non-QM QC Complete Nevada xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 97526677 xx 561 561-882 xx Non-QM QC Complete Nevada xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 is missing from the loan file. However a copy of initial 1003 is available in loan file.    
xx 97526677 xx 561 561-882 xx Non-QM QC Complete Nevada xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL not hand dated is  from the loan file.    
xx 97526677 xx 561 561-882 xx Non-QM QC Complete Nevada xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of  disclosure is missing from the loan file on the below.

Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 97526677 xx 561 561-882 xx Non-QM QC Complete Nevada xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
xx 97526677 xx 561 561-882 xx Non-QM QC Complete Nevada xx Compliance Compliance Active B * Operative Index Numerical Value Unavailable based on lender docs (Lvl 2) Operative index numerical value is unavailable as the supportive documents such as Loan program disclosure/Rate lock agreement/Closing instruction are missing from the loan file.    
xx 97526677 xx 561 561-882 xx Non-QM QC Complete Nevada xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The modification agreement was made on xx. As per MOD lender decided to forgive principal amount of $73,600.00 from UPB which exceeds the modified UPB by more than 2%.    
xx 97526677 xx 561 561-882 xx Non-QM QC Complete Nevada xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 45250183 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 45250183 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) According to the loan modification agreement dated xx, the lender agrees to forgive $71,103.01 (which exceeds 2% of modification amount) permanently from the total principal balance of $323,913.71.    
xx 45250183 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 45250183 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Rvw shows prop. owner of record is not borr. (Lvl 2) xx    
xx 45250183 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 45250183 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal report is missing from the loan file.    
xx 45250183 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from the loan file.    
xx 45250183 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index numerical value is unable to determine from the given lenders documents.    
xx 45250183 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 45250183 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in California state. The following state disclosures are missing from the loan file.
Impound Account Disclosure
Cosigner Notice
Private Mortgage Insurance Disclosure
Earthquake Disclosure forCondominiums
Hazard Insurance Disclosure
Insurer RecommendationDisclosure
CA Fair Lending Notice
Anti-Tying Disclosure
Privacy Notice
Notice of Right to Copy of Appraisal
Application for Credit-Married Persons
Fair Debt Collection Notice
Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 46766123 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 46766123 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 46766123 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan files.    
xx 46766123 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Other Disclosures Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan files.    
xx 83594036 xx 561 561-882 xx Non-QM QC Complete Nevada xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 83594036 xx 561 561-882 xx Non-QM QC Complete Nevada xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 83594036 xx 561 561-882 xx Non-QM QC Complete Nevada xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 83594036 xx 561 561-882 xx Non-QM QC Complete Nevada xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) As per modification agreement which was made on xx. The lender has forgiven principal in the amount of $xx. Hence, the new modified principal balance is $xx. However, the forgiven amount exceeds 2% of the modified principal balance.    
xx 83594036 xx 561 561-882 xx Non-QM QC Complete Nevada xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 83594036 xx 561 561-882 xx Non-QM QC Complete Nevada xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 83594036 xx 561 561-882 xx Non-QM QC Complete Nevada xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated Business disclosure document is missing in the given loan file.    
xx 83594036 xx 561 561-882 xx Non-QM QC Complete Nevada xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) The final hud-1 settlement statement is not singed by the both borrowers.    
xx 83594036 xx 561 561-882 xx Non-QM QC Complete Nevada xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The Subject property is located in Nevada state. The Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application is missing from the loan file.    
xx 83594036 xx 561 561-882 xx Non-QM QC Complete Nevada xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to confirm operative index value from available loan files.    
xx 37874124 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 37874124 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 37874124 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 37874124 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated Business Disclosure is missing from the loan file.    
xx 37874124 xx 561 561-882 xx Non-QM QC Complete Florida xx Data Edit Data Edit Active B * Foreclosure Delay or Contested (Lvl 2) The comment dated xx/xx/xxxx reflects that the foreclosure was contested. However, no details were found regarding the contested matter. According to the comment dated xx/xx/xxxx, the contested issue was resolved.    
xx 37874124 xx 561 561-882 xx Non-QM QC Complete Florida xx Data Edit Data Edit Active B * Litigation (Lvl 3) The comment dated xx/xx/xxxx states that the litigation was filed on xx/xx/xxxx and the foreclosure was put on hold. However, no details were found regarding the litigation. Further information is not available to confirm whether the litigation hold was removed.    
xx 37874124 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of Service Providers Disclosure is missing from the loan file.    
xx 37874124 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located Florida State. The following state disclosures are missing from the loan file.
1.·Anti-Coercion Notice
·2.Title Insurance Disclosure
3.·Radon Gas Disclosure
4.·Insurance Sales Disclosure		    
xx 37874124 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to determine an operative index value since the supporting documents are missing from the loan file.    
xx 45015628 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 45015628 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 45015628 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Property Active B * Property Damage (Lvl 3) As per the collection comment xx/xx/xxxx the property had flood damage on xx/xx/xxxx. The damage due to water was in an amount of $6,390.75. The nature of damage is unavailable. The claim was disbursed in the amount of $4,048.57.
Also,xx/xx/xxxx collection comment states the damage due to hurricane on xx/xx/xxxx. The final check in the amount of $12047.58 was disbursed. Thexx/xx/xxxx collection comment states that 91% of repairs are completed. The comment dated xx/xx/xxxx states that the 90% inspection results with all structural repairs completed to close the claim. No further details found whether the repairs completed fully or not.		    
xx 45015628 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Legal Docs Active B * Updated title review shows IRS / vehicle / federal / personal tax liens (Lvl 2) As per the updated title report there is an IRS lien in the amount of xx.    
xx 45015628 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated Business Disclosure is missing from the loan file.    
xx 45015628 xx 561 561-882 xx Non-QM QC Complete Florida xx Data Edit Data Edit Active B * Deceased Borrower(s) (Lvl 3) According to the updated title report dated xx/xx/xxxx, the borrower,xx was deceased on xx. However, no details regarding the death certificate or probate has been found in the collection comments.

.		    
xx 45015628 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) The Operative Index Value at the time of origination is missing from the loan file.    
xx 45015628 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in the Florida state. The following state disclosures are missing from the loan file:

1.Anti-Coercion Notice
2.Title Insurance Disclosure
3.Radon Gas Disclosure
4.Insurance Sales Disclosure		    
xx 45015628 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Appraisal Active B * Variation in Parcel number(APN#) (Lvl 3) xx    
xx 82382943 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 82382943 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 82382943 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from loan file.    
xx 82382943 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) Modification agreement was made on xx. As per the modified terms, new principal balance is $xx. Borrower promises to pay $xx monthly with a modified interest rate 2.00 % beginning from xx/xx/xxxx with a maturity date xx. The interest-bearing amount is $xx. The lender has agreed to forgive $xx the unpaid principal balance on the modification. However, the forgiven amount exceeds 2% of modified principal.    
xx 82382943 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in North Carolina state. The state disclosures missing from the loan file are:  Amortization Schedule Disclosure Credit Property Insurance Disclosure Fee Agreement Priority of Security Instrument Disclosure Attorney Selection Disclosure    
xx 82382943 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the late fees test.
The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is
located.		    
xx 82382943 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the late fees test.
The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is
located.
Late Fees Test: FAIL 5.000% 4.000% +1.000%		    
xx 92740540 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 92740540 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 92740540 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Form Disclosure is missing from the loan file.    
xx 92740540 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
xx 75369897 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 75369897 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 75369897 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 75369897 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx     
xx 75369897 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 75369897 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Valuation Property Active B * Property Damage (Lvl 2) As per the collection comment xx/xx/xxxx property had roof damage. The cost of damage is unavailable. No details were found regarding the insurance claim. Latest BPO report is unavailable. Details regarding repairs are unavailable.    
xx 75369897 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final loan application is missing from the loan file.    
xx 75369897 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from the loan file.    
xx 75369897 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Operative Index Numerical Value Unavailable based on lender docs (Lvl 2) Operative index numerical value is unavailable as the supportive documents such as loan program disclosure/rate lock agreement/closing instruction are missing from the loan file.    
xx 75369897 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Legal Docs Mortgage Active B * Mortgage  (Lvl 2) Subject loan was originated under jumbo loan category.    
xx 75369897 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The ComplianceEase risk indicator is "Moderate", due to
Prepayment Term Test:
Prohibited Fees Test:		    
xx 75369897 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located at "New Jersey" state and this state requires following disclosures and all are missing from the loan file.

Unacceptability of Insurance Notice
Tax Bill Information
Private Well Testing
Choice of Insurer Disclosure
Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 75369897 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan is failed for
1)  Prepayment Term Test:
The loan data is 36 Months, the comparison data is 0 Months, and the variance is +36 Months.

This loan is not tested for the late fees test.
The loan is not tested against any late fees restrictions for the lender's license type.

2) Prohibited Fees Test:
The loan data is $50.00, the comparison data is $0.00, and the variance is +$50.00.
 
This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test.
(N.J.S.A. §17:11C-23, N.J.A.C. §§3:1-16.2)
The loan does charge fee(s) not provided for in this act, which is prohibited.
A person licensed as a mortgage broker shall have the right to charge only the following fees: (1) application fee; and (2)
discount points which may be labeled as an origination fee.
A person licensed as a mortgage banker or correspondent mortgage banker shall have the right to charge only the following
fees:
1 a credit report fee;
2 appraisal fee;
3 application fee;
4 commitment fee;
5 warehouse fee;
6 discount points;
7 lock-in fee;
8 a service fee not to exceed $25.00 to cancel the mortgage; and
9 fees necessary to reimburse the mortgage banker for charges imposed by third parties limited to the following fees:
1 overnight delivery, messenger, fax, and other special delivery fees;
2 flood certification fees;
3 pest inspection or certification fees;
4 final inspection fee;
5 outside counsels' fees as permitted by N.J.S.A. §46:10A-6;
6 certified check fees;
7 credit report and appraisal update fees;
8 not more than one-year of mortgage insurance premiums;
9 survey fees;
10recording fees;
11title and title search fees, including title insurance premiums;
12taxes;
13tax service fees;
14radon test fees;
15other third party fees which are of benefit to the borrower and represent a cost not associated with the lender's
overhead. Accordingly, the Department will not approve fees for document preparation, processing, underwriting, file
updates, lender reviews, copying, funding, and miscellaneous.		    
xx 80722377 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 80722377 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 80722377 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated Business Disclosure is missing from the loan file.    
xx 80722377 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Application Missing (Lvl 2) The final application is missing from the loan file.    
xx 80722377 xx 561 561-882 xx Non-QM QC Complete California xx NPL General Active B * Recent Foreclosure Sale - Need Update (Lvl 4) xx    
xx 80722377 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service providers disclosure is missing from the loan file.    
xx 80722377 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * ROR Transaction date not consistent with Note and/or HUD (Lvl 2) The ROR transaction date as is xx which is different from the Note date of xx.    
xx 80722377 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 80722377 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in the California state. The following state disclosures are missing from the loan file.
1. Impound Account Disclosure
2. Cosigner Notice
3. Private Mortgage Insurance Disclosure
4. Earthquake Disclosure for Condominiums
5. Hazard Insurance Disclosure
6. Insurer Recommendation Disclosure
7. CA Fair Lending Notice
8. Anti-Tying Disclosure
9. Privacy Notice
10. Notice of Right to Copy of Appraisal
11. Application for Credit-Married Persons
12. Fair Debt Collection Notice
13. Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 80722377 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to determine an operative index value since the supporting documents are missing from the loan file.    
xx 76570189 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 76570189 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated Business Disclosure is missing from the loan file.    
xx 76570189 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider document is missing from the loan file.    
xx 76570189 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) The operative index value unable to determine from the available loan files.    
xx 76570189 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 76570189 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) xx    
xx 76570189 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Connecticut State. The following required state disclosures are missing from the loan file.
1.Appraisal Disclosure
2.2nd Liens = provide CT disclosure and comply with terms Mortgage Insurance Disclosure
3.Interest Rate Disclosure
4.Lock-In Agreement Disclosure
5.Payoff Statement Disclosure
6.Legal RepresentationDisclosure
7.Non-Prime HUD ContactDisclosure
8.Non-Prime Notice of LoanTerms Disclosure
9.Interim Financing Disclosure		    
xx 76570189 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the Connecticut license validation test.    
xx 76570189 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Compliance Compliance Active B * ComplianceEase Exceptions Test Failed (Lvl 2) This loan failed the Connecticut license validation test.
First mortgage lender licenses and secondary mortgage lender licenses in existence on June 30th, 2008 shall be deemed on and
after July 1st, 2008, to be a mortgage lender license.
As of July 1, 2008 the Connecticut First Mortgage Lender License and the Connecticut Second Mortgage Lender License are no
longer valid. The Connecticut Mortgage Lender License is available for loans with a closing date before July 1st, 2008.		    
xx 53169918 xx 561 561-882 xx Non-QM QC Complete Nevada xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 53169918 xx 561 561-882 xx Non-QM QC Complete Nevada xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 53169918 xx 561 561-882 xx Non-QM QC Complete Nevada xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal report is missing from the loan file.    
xx 53169918 xx 561 561-882 xx Non-QM QC Complete Nevada xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 53169918 xx 561 561-882 xx Non-QM QC Complete Nevada xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application is missing from the loan file.    
xx 53169918 xx 561 561-882 xx Non-QM QC Complete Nevada xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application is missing from the loan file.    
xx 53169918 xx 561 561-882 xx Non-QM QC Complete Nevada xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 53169918 xx 561 561-882 xx Non-QM QC Complete Nevada xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow acct disclosure is missing from the loan file.    
xx 53169918 xx 561 561-882 xx Non-QM QC Complete Nevada xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from the loan file.    
xx 53169918 xx 561 561-882 xx Non-QM QC Complete Nevada xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of service transfer disclosure is missing from the loan file.    
xx 53169918 xx 561 561-882 xx Non-QM QC Complete Nevada xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by the borrower.    
xx 53169918 xx 561 561-882 xx Non-QM QC Complete Nevada xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The modification agreement made on xx, in which the lender has forgiven principal in the amount of $xx; however, the forgiven amount exceeds 2% of the modified principal balance.    
xx 53169918 xx 561 561-882 xx Non-QM QC Complete Nevada xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 53169918 xx 561 561-882 xx Non-QM QC Complete Nevada xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA APR test. ( 12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4) )
The annual percentage rate (APR) is 8.039%. The disclosed APR of 0.000% is not considered accurate because it is more than
1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.		    
xx 53169918 xx 561 561-882 xx Non-QM QC Complete Nevada xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) TILA APR Test: FAIL 0.000% 8.039% -8.039%.    
xx 67907357 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 67907357 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 67907357 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from theloan file.    
xx 67907357 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Valuation Property Active B * Property Damage (Lvl 3) As per servicing comment dated xx/xx/xxxx shows subject property had roof and window damage due to hurricane with estimated repair cost of $6,000. No further comment was found stating that all the repairs have been completed. However, the latest BPO report is not available to verify the current condition of subject property.    
xx 67907357 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of servicing providers disclosure is missing from the loan file.    
xx 67907357 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index numerical value is unavailable as the supportive documents such as Loan program disclosure/Rate lock agreement/Closing instruction are missing from the loan file.    
xx 67907357 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Tennessee. Following disclosures are missing from the loan file.
1.Placement of Insurance Disclosure
2.Availability of Title Insurance
3.TN Consent to Disclosure of Insurance Information
4.Choice of Agent/insurer
5.Insurance Solicitation/Post Commitment		    
xx 46642562 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 46642562 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 46642562 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 46642562 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 46642562 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 53282682 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 53282682 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 53282682 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Form is missing from the loan file.    
xx 53282682 xx 561 561-882 xx Non-QM QC Complete Virginia xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) As per updated title report dated xx/xx/xxxx, the chain of assignment has not been given. However, the current assignment is with lender xx.    
xx 53282682 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan Program Disclosure is missing from the loan file    
xx 53282682 xx 561 561-882 xx Non-QM QC Complete Virginia xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) The Appraisal report is missing from the loan file.    
xx 53282682 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Application Missing (Lvl 2) The Final Application/1003 is missing from the loan file.    
xx 53282682 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) The Initial Escrow Account Disclosure is missing from the loan file.    
xx 53282682 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The List of Service Provider Disclosure is missing from the loan file.    
xx 53282682 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The Servicing Transfer Disclosure is missing from the loan file.    
xx 53282682 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Virginia state. The following required state disclosures are missing from the loan file.
1. ·VA Application Disclosure.
·2. Choice of Settlement Agent Disclosure.
3. ·Disclosure of Charges For Appraisal or Valuation.
4. ·Copy of Appraisal or Statement of Appraised Value.		    
xx 53282682 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to determine the operative index value from the loan file.    
xx 31513906 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business disclosure is missing from the loan file.    
xx 31513906 xx 561 561-882 xx Non-QM QC Complete Illinois xx Valuation Property Active B * Property Damage (Lvl 2) As per the servicing comment dated xx/xx/xxxx the subject property was vacant for 3 months while the borrower made repairs and the property is now rented again. No information found regarding the cost of repairs.    
xx 31513906 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Title Review Active B * Active State Tax Lien Judgement. (Lvl 2) As per the updated title report, there are ten state tax liens in the total amount of $23,516.55 in the favor of xx    
xx 31513906 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Other Disclosures Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from the loan file.    
xx 31513906 xx 561 561-882 xx Non-QM QC Complete Illinois xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 31513906 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to confirm the operative index from the loan file.    
xx 20380641 xx 561 561-882 xx Non-QM QC Complete Montana xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 20380641 xx 561 561-882 xx Non-QM QC Complete Montana xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 20380641 xx 561 561-882 xx Non-QM QC Complete Montana xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan file.    
xx 20380641 xx 561 561-882 xx Non-QM QC Complete Montana xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application is missing from the loan file.    
xx 20380641 xx 561 561-882 xx Non-QM QC Complete Montana xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 20380641 xx 561 561-882 xx Non-QM QC Complete Montana xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from the loan file.    
xx 20380641 xx 561 561-882 xx Non-QM QC Complete Montana xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is missing from the loan file.    
xx 20380641 xx 561 561-882 xx Non-QM QC Complete Montana xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) We have comment history from xx/xx/xxxx to xx/xx/xxxx. However, we required latest 24 months comment history. The  Comment history is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 62799248 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 62799248 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 62799248 xx 561 561-882 xx Non-QM QC Complete Maryland xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 62799248 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Comment history is available from xx/xx/xxxx toxx/xx/xxxx. However, we require the latest 24 months comment history. Comment history missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 62799248 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow acct disclosure is missing from the loan file.    
xx 62799248 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index numerical value is unavailable as the supportive documents such as Loan program disclosure/Rate lock agreement/Closing instruction are missing from the loan file.    
xx 62799248 xx 561 561-882 xx Non-QM QC Complete Maryland xx NPL NPL Active B * Payment History is not Complete (Lvl 3) Payment history is available from xx/xx/xxxx toxx/xx/xxxx.However, we require the latest 12 months comment history. Comment history missing from xx/xx/xxxx to xx/xx/xxxx and xx/xx/xxxx to xx/xx/xxxx.    
xx 62799248 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) Prepayment Term Test: FAIL 36Months 0Months 36Months
This loan failed the prepayment term test.
The loan has a prepayment term that does not conform to the requirements for the lender's license type in the state where the
property is located.		    
xx 62799248 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Prepayment Term Test: FAIL 36Months 0Months 36Months
This loan failed the prepayment term test.
The loan has a prepayment term that does not conform to the requirements for the lender's license type in the state where the
property is located.		    
xx 62799248 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure missing from the loan file.    
xx 62799248 xx 561 561-882 xx Non-QM QC Complete Maryland xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) The chain of assignment is incomplete as there is a break in chain of assignment from xx to xx.    
xx 62799248 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The following state disclosures are missing from the loan file.
Affidavit of Consideration, Affidavit of Disbursement, First Time Buyers Affidavit, Notice of Right to Select Attorney, Title Insurance Company and Settlement Agent Disclosure, Balloon Payment, No Escrow Account, Mandatory Binding Arbitration Disclosures, Home Buyer Education and Counseling Disclosure.		    
xx 62799248 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Other Disclosures Active B * Missing Required Disclosures (Lvl 2) The list of service providers disclosure is missing from the loan file.    
xx 91834619 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 91834619 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 91834619 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 91834619 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business disclosure is missing from the loan file.    
xx 91834619 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 91834619 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 91834619 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 is missing from the loan file ; however the values are consider from the initial 1003.    
xx 91834619 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow account disclosure is missing from the loan file.    
xx 91834619 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider disclosures is missing from the loan file.    
xx 91834619 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The modification agreement was made on xx. As per MOD lender forgive the principal in the amount of $113,300.00 from UPB which exceeds 2% of original modified balance.    
xx 91834619 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Florida State and the FL state requires total 3 disclosures, all are missing from the loan file.
1) Anti-Coercion Notice
2) Radon Gas Disclosure
3) Insurance Sales Disclosure		    
xx 22708285 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 22708285 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 22708285 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 22708285 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) According to the loan modification agreement dated xx, the lender agrees to forgive $46,360.91 (which exceeds 2% of modification amount) permanently from the total principal balance of $533,150.52.    
xx 22708285 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase risk indicator shows moderate due to Prepayment Term Test and Prohibited Fees Test failed.    
xx 22708285 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index numerical value is unable to determine from the given lenders documents.    
xx 22708285 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Legal Docs Mortgage Active B * Mortgage  (Lvl 2) Subject loan was originated under jumbo loan category.    
xx 22708285 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the prepayment term test.
The loan has a prepayment term that does not conform to the requirements for the lenders license type in the state where the property is located.

This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test.(N.J.S.A. §17:11C-23, N.J.A.C. §§3:1-16.2)
The loan does charge fee(s) not provided for in this act, which is prohibited.
A person licensed as a mortgage broker shall have the right to charge only the following fees: (1) application fee; and (2) discount points which may be labeled as an origination fee.		    
xx 53706314 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 53706314 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow acct disclosure is missing from the loan file.    
xx 53706314 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from the loan file.    
xx 53706314 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The following disclosures are missing from the loan file,

1.Affidavit of Consideration
2.Notice of Right to Select Attorney, Title Insurance Company and Settlement Agent Disclosure		    
xx 66584478 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 66584478 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 66584478 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Valuation Active B * Property Damge (Lvl 4) Property damage details from loan documents / servicing comments which amounting to total of equal to /more than $10,000.00 as repair cost or estimated damage cost (Structural and not cosmetic)  It appears that the borrowers were referred for foreclosure but a hold was placed due to hurricane xx disaster protection efforts. The son and his wife are in the process of dealing with water damage from hurricane xx. It appears that the initial lost was approximately $75,000 for roof damage other items.    
xx 66584478 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Doc Issue Active B * Missing flood cert (Lvl 2) There is no flood certification in the file.    
xx 66584478 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 2) Updated due to the latest Modification    
xx 66584478 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Review shows major title concern (Lvl 2) xx    
xx 18638258 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 18638258 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 18638258 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 18638258 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Property Active B * Property Damage (Lvl 2) As per the comment dated xx/xx/xxxx, the property was damaged due to the hurricane. The roof was leaking and started developing the mole. However, as per the comment dated xx/xx/xxxx, the roof leaking damage was repaired and the cost of repair was $9,000.10. The comment dated xx/xx/xxxx reveals that all the damage has been 100% repaired. No further damage or repair has been found and property is in good condition.    
xx 18638258 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 18638258 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) As per the modification agreement which was made between the lender xx, the The new principal balance is $xx and amount of $xx of the new principal balance shall be deferred; however, as per the clause, if the borrower makes regular payment during the first three years from the date xx. Then, the whole deferred amount will be referred to as the forgiven amount. However, the borrower makes 3 years regular payment. Hence, the whole amount of the deferred balance was qualified for the forgives. Hence, the principal forgiven amount is $xx. The new interest-bearing amount is in the amount of $xx.    
xx 18638258 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Appraisal Active B * Variation in Parcel number(APN#) (Lvl 3) xx    
xx 18638258 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) The final Hud-1 document is not signed by the borrower.    
xx 18638258 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service providers is missing from the loan file.    
xx 18638258 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in the Florida state. The following required state disclosures are missing from the loan file.
1.Anti-Coercion Notice.
2.Radon Gas Disclosure.
3.Insurance Sales Disclosure.		    
xx 18638258 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to determine operative index value from the available loan file.    
xx 54259934 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 54259934 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 54259934 xx 561 561-882 xx Non-QM QC Complete Michigan xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 54259934 xx 561 561-882 xx Non-QM QC Complete Michigan xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 54259934 xx 561 561-882 xx Non-QM QC Complete Michigan xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal report is missing from the loan file.    
xx 54259934 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers document is missing from the loan file.    
xx 54259934 xx 561 561-882 xx Non-QM QC Complete Michigan xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
xx 54259934 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active B * Operative Index Numerical Value Unavailable based on lender docs (Lvl 2) Operative index numerical value is unable to determine from the given lenders documents.    
xx 54259934 xx 561 561-882 xx Non-QM QC Complete Michigan xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer disclosure is missing from the loan file.    
xx 54259934 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in state of Michigan. The following state disclosures is missing from the loan file.
Choice of Insurance Agent.		    
xx 33237718 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 33237718 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 33237718 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 33237718 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Property Active B * Property Damage (Lvl 2) As per the comment dated xx/xx/xxxx, the loss draft call has been received from the borrower. The date of loss is xx/xx/xxxx. The subject property was damaged because of the water. No details were found regarding the insurance claim. The latest collection comment does not reflect any damage to the subject property. Details regarding repairs are unavailable.    
xx 33237718 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 33237718 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider document is missing from the loan file.    
xx 33237718 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The loan modification agreement was made on xx. As per the new modified terms, the new principal balance is $xx. Also the principal in the amount of $xx has been forgiven, which exceeds 2% of modified principal balance. The borrower promise to pay for the amount of $xx with an interest rate of 5.00% beginning on xx/xx/xxxx till maturity date xx.    
xx 33237718 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) The operative index value unable to determine from the available loan files.    
xx 33237718 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
xx 33237718 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Florida State. The following state disclosures are missing in the loan file.
1.Anti-Coercion Notice
2.Title Insurance Disclosure
3.Radon Gas Disclosure
4.Insurance Sales Disclosure		    
xx 33237718 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Appraisal Active B * Variation in Parcel number(APN#) (Lvl 2) xx    
xx 15352244 xx 561 561-882 xx Non-QM QC Complete Delaware xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 15352244 xx 561 561-882 xx Non-QM QC Complete Delaware xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 15352244 xx 561 561-882 xx Non-QM QC Complete Delaware xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business from is missing from the loan file.    
xx 15352244 xx 561 561-882 xx Non-QM QC Complete Delaware xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service providers disclosure is missing from the loan file.    
xx 15352244 xx 561 561-882 xx Non-QM QC Complete Delaware xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) The Operative index value is unable to confirm, due to missing documents.    
xx 15352244 xx 561 561-882 xx Non-QM QC Complete Delaware xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 15352244 xx 561 561-882 xx Non-QM QC Complete Delaware xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 11135928 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 11135928 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 11135928 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business disclosure is missing from the loan file.    
xx 11135928 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Valuation Active B * Property Damage (Lvl 3) As per the servicing comments dated xx/xx/xxxx there are repairs found and loss drafts to post funds. The comment dated xx/xx/xxxx states that the borrower wants to repair and want to keep the property. The comment dated xx/xx/xxxx states that the cause of loss was unknown and date of loss was xx/xx/xxxx. The comment dated xx/xx/xxxx states that the funds in the amount of $9,166.67 was issued on xx/xx/xxxx. No further information available regarding the repairs completed or not.    
xx 11135928 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 11135928 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Other Disclosures Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from the loan file.    
xx 11135928 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
xx 11135928 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 11135928 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The modification agreement made between the borrower xx. The UPB is $396,906.06, the forgiven amount is $180,906.06 and the new UPB is $216,000.00. The modification is a four step modification. The forgiven amount exceeds 2% of modification amount.    
xx 11135928 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) xx    
xx 11135928 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to confirm operative index value from the loan file.    
xx 91009752 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 91009752 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 91009752 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan files.    
xx 91009752 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Amount of title insurance is less than mortgage amount (Lvl 3) As per the note, the loan amount is xx and the amount of insurance as per the final TPOL is xx.    
xx 91009752 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 91009752 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index value is unable to confirm from the available loan file.    
xx 91009752 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The following disclosures are missing from the loan file,

1.Impound Account Disclosure
2.Cosigner Notice
3.Private Mortgage Insurance Disclosure
4.Hazard Insurance Disclosure
5.Insurer RecommendationDisclosure
6.CA Fair Lending Notice
7.Anti-Tying Disclosure
8.Privacy Notice
9.Notice of Right to Copy of Appraisal
10.Application for Credit-Married Persons
11.Fair Debt Collection Notice
12.Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 35708107 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 35708107 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 35708107 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application is missing from the loan file.    
xx 35708107 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Application Not Signed by All Borrowers (Lvl 2) Final application is missing from the loan file. however, values are considered from initial application date xx.    
xx 35708107 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow acct disclosure is missing from the loan file.    
xx 35708107 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Subject property is located in Florida state.
The following state disclosures are missing from the loan file:
Anti-Coercion Notice
Title Insurance Disclosure
Radon Gas Disclosure
Insurance Sales Disclosure		    
xx 35708107 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The affiliated business form disclosure is missing from the loan file.    
xx 35708107 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Property Active B * Property Damage (Lvl 2) The comment dated xx/xx/xxxx indicates that the subject property had damaged due to Hurricane. The actual damage is back fence leaks. The estimated cost of repair is in the amount of $30,000.18 and the comment dated xx/xx/xxxx states that the subject property had fence damaged with an estimated cost of repair is in the amount of $1500.17. An insurance claim was not filed. However, the home repair has been completed on January 19, 2018.    
xx 35708107 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service providers disclosure is missing from the loan file.    
xx 35708107 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to determine the operative index value from the loan file.    
xx 65640844 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 65640844 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 65640844 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan files.    
xx 65640844 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application is missing from the loan files.    
xx 65640844 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * Operative Index Numerical Value Unavailable based on lender docs (Lvl 2) Operative index numerical value is unavailable as the supportive documents such as loan program disclosure/rate lock agreement/closing instruction are missing from the loan file.    
xx 56857409 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 56857409 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 56857409 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 56857409 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) As per the loan modification agreement made on xx. However, there is a principal reduction alternative. The amount of $13,261.14 of the principal balance is eligible for forgiveness. (The deferred principal reduction Amount).  If the borrower makes monthly mortgage payments on time, the lender agrees to forgive $13,261.14 of the principal balance of the loan on each of the first, second and Third anniversary. Latest payment history tape data is reflecting current UPB as $256,422.91.    
xx 56857409 xx 561 561-882 xx Non-QM QC Complete New Jersey xx NPL General Active B * Water/Sewer Taxes (Lvl 2) According to the review of the updated title report dated xx/xx/xxxx, the utilities charge of the year xx are delinquent in  the amount ofxx.    
xx 56857409 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Legal Docs Legal Docs Active B * Updated title review shows IRS / vehicle / federal / personal tax liens (Lvl 2) As per the review of the updated title report dated xx/xx/xxxx, there are 2 IRS liens in the favor of xx.
There is a civil judgment in the amount of xx.		    
xx 56857409 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 56857409 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application is missing from the loan file.    
xx 56857409 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow acct disclosure is missing from the loan file.    
xx 56857409 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from the loan file.    
xx 56857409 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Prepayment Term Test: FAIL 36Months 0Months 36Months.
Prohibited Fees Test: FAIL $2,145.00 $0.00 +$2,145.00.		    
xx 56857409 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The following disclosures are missing from the loan file,

1.NJ Application Disclosure
2.Delivery Fee Authorization
3.NJ Attorney Disclosure
4.Unacceptability of Insurance Notice
5.Attorney Disclosure II
6.Tax Bill Information
7.Private Well Testing
8.Commitment Disclosures
9.Choice of Insurer Disclosure
10.Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 56857409 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the prepayment term test.
The loan has a prepayment term that does not conform to the requirements for the lender's license type in the state where the
property is located.
This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test.
The loan does charge fee(s) not provided for in this act, which is prohibited.
A person licensed as a mortgage broker shall have the right to charge only the following fees: (1) application fee; and (2)
discount points which may be labeled as an origination fee.		    
xx 1995701 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 1995701 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 1995701 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business disclosure is missing from the loan file.    
xx 1995701 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal is missing from the loan file.    
xx 1995701 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Property Active B * Property Damage (Lvl 2) As per the servicing comment xx/xx/xxxx there are damages due to water and the comment dated xx/xx/xxxx states that there are damages due to fire, the loss draft was received and asbestos damaged and date of loss is xx/xx/xxxx and funds haven't released yet.  The comment dated xx/xx/xxxx states that the 90% of the house burnt to the ground and cost of repairs in the amount of $800,000.00. However, the comment dated xx/xx/xxxx states that property insurance received but may not be FEMA check and  they are currently living in the property and repairs are 100% completed    
xx 1995701 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Active State Tax Lien Judgement. (Lvl 2) As per the updated title report, there are two state tax liens in the amount of  xx respectively.    
xx 1995701 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003  is missing from the loan file.    
xx 1995701 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD-1 present in the loan file is not signed by the borrower.    
xx 1995701 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 1995701 xx 561 561-882 xx Non-QM QC Complete California xx Credit Other Disclosures Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from the loan file.    
xx 1995701 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
xx 1995701 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Mortgage Active B * Mortgage  (Lvl 2) Subject loan was originated under jumbo loan category.    
xx 1995701 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The modification agreement made between the borrower xx. The UPB is $469859.64, the forgiven amount is $18,794.39 and the new unpaid principal balance is $451,065.25. The modification is a step modification.  The forgiven amount exceeds 2% of the modification amount.    
xx 1995701 xx 561 561-882 xx Non-QM QC Complete California xx NPL General Active B * Recent Foreclosure Sale - Need Update (Lvl 4) xx    
xx 1995701 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Property Active B * Subject property is located in a FEMA designated disaster area (recent). (Lvl 2) The subject property is located in the county where recent FEMA disaster is declared (California wild fires).    
xx 79098166 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 79098166 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 79098166 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 79098166 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow acct. disclosure is missing from the loan file.    
xx 79098166 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Other Disclosures Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from the loan file.    
xx 79098166 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer disclosure is missing from the loan file.    
xx 79098166 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The below State disclosures are missing from the loan file:
1. NJ Attorney Disclosure.
2. Unacceptability of Insurance Notice.
3. Attorney Disclosure II.
4. Tax Bill Information.
5. Private Well Testing.
6. Choice of Insurer Disclosure.
7. Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application.		    
xx 79098166 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The CE risk indicator is Moderate as the loan is violating State Regulations Restricted Fees.
This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test.
The loan does charge fee(s) not provided for in this act, which is prohibited.
A person licensed as a mortgage broker shall have the right to charge only the following fees: (1) application fee; and (2)
discount points which may be labeled as an origination fee.		    
xx 79098166 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Valuation Property Active B * Property Damage (Lvl 2) The comment dated xx/xx/xxxx shows that the property was damaged due to the heaviness of ice on the roof the ceiling dropped. The date of loss wasxx/xx/xxxx. The comment dated xx/xx/xxxx states that received a loss draft from xx in the amount of $3638.87 on xx/xx/xxxx with check #xx. Further, the comment dated xx/xx/xxxx states that the borrower called in to verity claim status for cause of loss Ice and was looking to get emergency funds or expedite the draw process in order to get funds to repair the roof.
No BPO and inspection reports are provided. Details regarding repairs are not available.		    
xx 79098166 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test.
The loan does charge fee(s) not provided for in this act, which is prohibited.
A person licensed as a mortgage broker shall have the right to charge only the following fees: (1) application fee; and (2)
discount points which may be labeled as an origination fee.		    
xx 51020851 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 51020851 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 51020851 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Form is missing from the loan file.    
xx 51020851 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Property Active B * Property Damage (Lvl 2) As per the comment dated xx/xx/xxxx, there was potential property damage reported. The nature of damage was due Water Damage to Ceiling. The Estimated cost of damage was $500.00. The claim was not filed.  No comments regarding the repair has been found.
The subject property occupied by the owner. No pertaining damage or repair related information has been found.		    
xx 51020851 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Providers Disclosures is missing from the loan file.    
xx 51020851 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in FL state. The following state disclosure is missing from the loan file.
Anti-Coercion Notice
Title Insurance Disclosure
Radon Gas Disclosure
Insurance Sales Disclosure		    
xx 51020851 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to determine an operative index value since the supportive documents are missing from the loan file.    
xx 19944847 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 19944847 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 19944847 xx 561 561-882 xx Non-QM QC Complete Illinois xx NPL General Active B * Describe the BK payment plan (Lvl 2) xx    
xx 19944847 xx 561 561-882 xx Non-QM QC Complete Illinois xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 19944847 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final loan application is missing from loan file.    
xx 19944847 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by borrowers.    
xx 19944847 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) xx     
xx 19944847 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from loan file.    
xx 19944847 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated Business Disclosure is missing from loan file.    
xx 19944847 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Title Review Active B * Active State Tax Lien Judgement. (Lvl 2) The updated title dated xx/xx/xxxx shows, there are two state tax liens active against xx.    
xx 88426433 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 88426433 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 88426433 xx 561 561-882 xx Non-QM QC Complete New York xx Data Edit Data Edit Active B * Litigation (Lvl 2) According to the loan file, the foreclosure was initiated and the filed was referred to an attorney on xx. The complaint was filed on xx.
According to the comment dated xx/xx/xxxx, the foreclosure was placed on hold due to litigation.  
According to notice of appearance, verified answer, and counter claims document located at “xx, the plaintiff in this action, did not originate the disputed mortgage. Plaintiff fails to state the party from whom the alleged not was assigned and fails to state who the originating entity. The plaintiff does not have standing and claim a cause of action because it was not the owner of the mortgage and note when this action was commence. The comment dated xx/xx/xxxx states that the borrower was contesting the foreclosure for income. The borrower has provided an appeal letter. No new documents were provided for appeal review. According to the comment dated xx/xx/xxxx. The foreclosure hold has been removed and the litigation matter has been concluded. The amended complaint was filed on xx.		    
xx 88426433 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 88426433 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 88426433 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 88426433 xx 561 561-882 xx Non-QM QC Complete New York xx Legal Docs Mortgage Active B * Mortgage  (Lvl 2) Subject loan was originated under jumbo loan category.    
xx 88426433 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 88426433 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in New York State. The following disclosures are missing from the loan file:
NY Consumer Credit Disclosure / Fair Credit Reporting Notice
NY Interest Rate Disclosure
NY Hazard Insurance  Disclosure
Tax Escrow Account Designation
Mortgage Bankers and Exempt Organizations Preapplication
Part 80 Disclosure
Alternative Mortgage Transaction Disclosures
Co-Signer Notice Requirements
Default Warning Notice
Smoke Alarm Affidavit
New York Real Property Escrow Account Disclosure
Subprime Home Loan Counseling Disclosure
Subprime Home Loan Tax and Insurance Payment Disclosure
Subprime Home Loan Disclosure
Commitment Disclosure
Lock-in Disclosure
Expiration of Lock-in or Commitment Period.		    
xx 88426433 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the late fees test.
The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located.
Late Fees Test: FAIL Loan Data 5.000% Comparison Data 2.000% Variance +3.000%.
This loan failed the prepayment term test.
The loan has a prepayment term that does not conform to the requirements for the lender's license type in the state where the property is located.
Prepayment Term Test: FAIL Loan Data 36Months Comparison Data 12Months Variance 24Months.		    
xx 88426433 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the late fees test.
This loan failed the prepayment term test.		    
xx 41096993 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 41096993 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 41096993 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * ROR Transaction date not consistent with Note and/or HUD (Lvl 2) According to the ROR, the transaction date is xx; however, the loan originated on xx.    
xx 41096993 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from loan file.    
xx 41096993 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 41096993 xx 561 561-882 xx Non-QM QC Complete Florida xx Data Edit Data Edit Active B * Foreclosure Delay or Contested (Lvl 2) As per servicing comment dated xx/xx/xxxx shows that the foreclosure was contested by the borrower and the servicer approved the litigation/contested fees to pay as per the xx; However, as per servicing comment dated xx/xx/xxxx, the contested matter was resolved.    
xx 41096993 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List oF Service Providers is missing from loan file.    
xx 41096993 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 41096993 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property has been located in Florida State. The following disclosures are missing from loan file:
1. Anti-Coercion Notice.
2. Title Insurance Disclosure.
3. Radon Gas Disclosure.
4. Insurance Sales Disclosure.		    
xx 41096993 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to determine the operative index value from the loan file.    
xx 29158459 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 29158459 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 29158459 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Property Active B * Property Damage (Lvl 2) According to the comment dated xx/xx/xxxx, the subject property was damaged due to water and the date of loss was xx/xx/xxxx. Living room drywall needs to be replaced. The total estimated cost of damage is not available in the collection comment.  The comment dated xx/xx/xxxx states that additional funds in the amount of $1,650.00 can be released to the borrower. The draw for the same amount was issued on xx/xx/xxxx.
The comment dated xx/xx/xxxx states that the check in the amount of $3,850.00 has been issued on xx/xx/xxxx. The roof on porch and patio needs to be repaired. The amount $1,115.19 has been deposited to the borrower account.
As per comment dated xx/xx/xxxx, there was cause of loss due to wind on date of loss xx/xx/xxxx. 50% inspection has been completed. The claim amount was $2,013.43. According to BPO report dated xx/xx/xxxx, the subject property is owner occupied and the market value of the subject property is $225,000.00.		    
xx 29158459 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 29158459 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 29158459 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 29158459 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index value is unable to calculate as supportive document is missing from the loan file.    
xx 29158459 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 29158459 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Florida State. The following disclosures are missing from the loan file:
Anti-Coercion Notice
Title Insurance Disclosure
Radon Gas Disclosure
Insurance Sales Disclosure.		    
xx 82638869 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 82638869 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 82638869 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Legal Docs Legal Docs Active B * Updated title review shows IRS / vehicle / federal / personal tax liens (Lvl 2) According to updated title report dated xx/xx/xxxx, there is a IRS lien against xx.    
xx 82638869 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 82638869 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 82638869 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Available copy of Final HUD-1 is not signed by borrower.    
xx 82638869 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final Application / 1003 is missing from the loan file.    
xx 82638869 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of servicing providers disclosure is missing from the loan file.    
xx 82638869 xx 561 561-882 xx Non-QM QC Complete Minnesota xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Minnesota. Following disclosure is missing from the loan file.
MN Notice of Right to Discontinue Escrow
Interest Rate or Discount Point Agreement
Conditional Qualification/Approval Disclosure
Insurance Disclosure		    
xx 81513255 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 81513255 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Form Disclosure is missing from the loan file.    
xx 81513255 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing Transfer Document is missing from the loan file.    
xx 81513255 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The List of Service Provider Disclosure is missing from the loan file.    
xx 81513255 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in New York State. The following state disclosures are missing from the loan file.


1.NY Consumer Credit Disclosure / Fair Credit Reporting Notice
2.NY Interest Rate Disclosure
3.NY Hazard Insurance  Disclosure
4.Tax Escrow Account Designation
5.Mortgage Bankers and Exempt Organizations Preapplication
6.Part 80 Disclosure
7.Alternative Mortgage Transaction Disclosures
8.Co-Signer Notice Requirements
9.Default Warning Notice
10.Smoke Alarm Affidavit
11.New York Real Property Escrow Account Disclosure
12.Subprime Home Loan Counseling Disclosure
13.Subprime Home Loan Tax and Insurance Payment Disclosure
14.Subprime Home Loan Disclosure
15.Commitment Disclosure
16.Lock-in Disclosure
17.Expiration of Lock-in or Commitment Period		    
xx 81513255 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * ComplianceEase Exceptions Test Failed (Lvl 2) This loan failed the RESPA "Title Services and Lender's Title Insurance" (1101) validation test.
The loan provides a value of $3,082.99 for "Title Services and Lender's Title Insurance." However, the sum of all component fees, $2,232.16, does not equal the value entered for "Title Services and Lender's Title Insurance." There is a difference of $850.83.
If any "Title Services and Lender's Title Insurance" component fees are provided to ComplianceAnalyzer, then all component fees that contribute to the total "Title Services and Lender's Title Insurance" should be provided and their sum must reflect the total "Title Services and Lender's Title Insurance." This is necessary in order to correctly calculate the loan's finance charge and
APR.		    
xx 81513255 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.
Loan data is $226354.27  which is compared with $227,205.10  and variance is $850.83
The finance charge is $227,205.10. The disclosed finance charge of $226,354.27 is not considered accurate because it is  understated by more than $100.		    
xx 81513255 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA finance charge test.
This loan failed the RESPA "Title Services and Lender's Title Insurance" (1101) validation test.		    
xx 27804932 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 27804932 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 27804932 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 27804932 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) Late Fees Test: Result: FAIL Loan Data: 5.000% Comparison Data: 2.000% Variance: +3.000%    
xx 27804932 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Late Fees Test: Result: FAIL Loan Data: 5.000% Comparison Data: 2.000% Variance: +3.000%

This loan failed the late fees test.
The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is
located.		    
xx 27804932 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comments are available from xx/xx/xxxx toxx/xx/xxxx. However, we require the latest 24 months’ servicing comments. The servicing comments are missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 27804932 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to determine an operative index value because supportive documents are missing from the loan file.    
xx 34374520 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 34374520 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 34374520 xx 561 561-882 xx Non-QM QC Complete Texas xx Valuation Property Active B * Property Damage (Lvl 2) As per collection comments dated xx/xx/xxxx, there are violations on the property Andhe city could be charging up to$1000 per day against the property that violation consists of used building materials (scrap wood and scrap metal), broken    automotive parts and other materials that tend by decay, putrid or provide harborage for rodents    and vectors such as trash bags, loose trash, junk and debris and accumulated reuse, vegetation, or other matter that creates breeding and living places for insects and rodents. reference# XX-received; however, there no damages or estimated repairs for the property has been reported.    
xx 34374520 xx 561 561-882 xx Non-QM QC Complete Texas xx NPL General Active B * SOL - Statute of Limitations Issue (Lvl 2) As per collection comments dated xx/xx/xxxx, there is a statute of limitation loan; however, As per review of available document located at " xx"; the foreclosure was initiated and the file was referred to an attorney on xx; however, the foreclosure was put on hold due to filed bankruptcy under chapter-xx with the case#xx. As per collection comments dated xx/xx/xxxx    
xx 34374520 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Title Review Active B * Tax Lien showing on the subject property (Lvl 3) As per updated title report dated, there is a Muni/City/Code Lien against the subject property( which is an assessment notice recorded on xx in the amount of $3,800.00. which is in the favor of xx; however, the property may get foreclosed due to this unpaid lien and that can be cured by paying off the lien amount with other charges (if any).    
xx 34374520 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated business disclosure is missing from the loan files.    
xx 34374520 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service providers is missing from the loan files.    
xx 34374520 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * Operative Index Numerical Value Unavailable based on lender docs (Lvl 2) The operative index is unable to determine from the available loan files.    
xx 34374520 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) xx     
xx 4881657 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 4881657 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 4881657 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final loan application /1003 is missing from the loan file.    
xx 4881657 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated Business Disclosure is missing from the loan file.    
xx 4881657 xx 561 561-882 xx Non-QM QC Complete Florida xx Data Edit Data Edit Active B * Foreclosure Delay or Contested (Lvl 2) The foreclosure was initiated. The file referred to an attorney on xx. The foreclosure was contested on xx. As per the comment dated xx/xx/xxxx, the contested matter has been resolved.    
xx 4881657 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) The Initial Escrow Account Disclosure is missing from the loan file.    
xx 4881657 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The List of Service Provider Disclosure is missing from the loan file.    
xx 4881657 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Florida  State. However following disclosures are missing from the loan file.
1. ·Anti-Coercion Notice
2. ·Title Insurance Disclosure
3. ·Radon Gas Disclosure
4. ·Insurance Sales Disclosure		    
xx 4881657 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to determine operative index value from the loan file.    
xx 37496154 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 37496154 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 37496154 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated business disclosure is missing from the loan file.    
xx 37496154 xx 561 561-882 xx Non-QM QC Complete Florida xx Data Edit Data Edit Active B * Litigation (Lvl 2) The comment dated xx/xx/xxxx reflects that the litigation was filed on xx/xx/xxxx and the foreclosure was placed on hold. The comment dated xx/xx/xxxx states that the litigation was resolved.    
xx 37496154 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Application Not Signed by All Borrowers (Lvl 2) The final 1003 is missing from the loan file. However, the values are updated from the initial 1003 located at 'xx'.    
xx 37496154 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Application Missing (Lvl 2) The final 1003 is missing from the loan file. However, the values are updated from the initial 1003 located at 'xx'.    
xx 37496154 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) The Initial escrow acct disclosure is missing from the loan file.    
xx 37496154 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service providers disclosure is missing from the loan file.    
xx 37496154 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) The loan program disclosure is missing from the loan file.    
xx 37496154 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Florida state. The following state disclosures are missing from the loan file.
1.Anti-Coercion Notice
2.Title Insurance Disclosure
3.Radon Gas Disclosure
4.Insurance Sales Disclosure		    
xx 37496154 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to determine an Operative index value since supporting documents are missing from the loan file.    
xx 2513204 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 2513204 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 2513204 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from loan file.    
xx 2513204 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Credit Active B * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 is available in the loan file, however some points and fees are handwritten.    
xx 2513204 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) Late Fees Test: FAIL,loan data: 5.000%, comparison data: 2.000%, variance: +3.000%
Prepayment Term Test: FAIL, loan data: 36Months, comparison data: 0Months, variance:  36Months		    
xx 2513204 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The CE failed for Late Fees Test and Prepayment Term Test.    
xx 73088299 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 73088299 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 73088299 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from loan file.    
xx 73088299 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from loan file.    
xx 73088299 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List Of Service Providers is missing from loan file.    
xx 73088299 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Legal Docs Mortgage Active B * Mortgage  (Lvl 2) Subject loan was originated under jumbo loan category.    
xx 73088299 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) The loan has a prepayment term that does not conform to the requirements for the lenders license type in the state where the
property is located.
Prepayment Term Test: FAIL Loan Data:36months Comparison Data:0 Months Variance:36Months

This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test.
(N.J.S.A. §17:11C-23, N.J.A.C. §§3:1-16.2)
Prohibited Fees Test: FAIL Loan Data $9,600.00 Comparison Data$0.00  Variance+$9,600.00
Prohibited Fees: Mortgage broker Fee(Direct)		    
xx 73088299 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) The operative index value at origination is unable to be confirmed from the available loan documents.    
xx 73088299 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in New Jersey, Following disclosures are missing from loan file.
1. NJ Application Disclosure
2. Delivery Fee Authorization
3. NJ Attorney Disclosure
4. Unacceptability of Insurance Notice
5. Attorney Disclosure II
6. Tax Bill Information
7. Private Well Testing
8. Lock-In Agreement
9. Commitment Disclosures
10. Choice of Insurer Disclosure
11. Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 73088299 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan has failed prepayment term test and state regulations restricted fees test.    
xx 64888289 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 64888289 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 64888289 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 64888289 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Credit Active B * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 is  available in the loan file, however some points and fees are hand written.    
xx 64888289 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) Late Fees Test: FAIL  Loan Data : 5.000%  Comparison Data : 2.000%  Variance : +3.000%
This loan failed the late fees test.
The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is
located.		    
xx 64888289 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Providers is missing from the loan file.    
xx 64888289 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index numerical value is unavailable as the supportive documents such as Loan program disclosure/Rate lock agreement/Closing instruction are missing from the loan file.    
xx 64888289 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The CE failed for Late Fees Test: FAIL.    
xx 64888289 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in New York State. The state disclosures missing from the loan file are: NY Consumer Credit Disclosure / Fair Credit Reporting Notice, NY Interest Rate Disclosure, NY Hazard Insurance  Disclosure, Tax Escrow Account Designation, Mortgage Bankers and Exempt Organizations Pre-application, Part 80 DisclosureAlternative Mortgage Transaction Disclosures, Co-Signer Notice Requirements, Default Warning Notice, Smoke Alarm AffidavitNew York Real Property Escrow Account Disclosure, Subprime Home Loan Counseling Disclosure, Subprime Home Loan Tax and Insurance Payment Disclosure, Subprime Home Loan Disclosure, Commitment Disclosure, Lock-in Disclosure, Expiration of Lock-in or Commitment Period.    
xx 48321691 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 48321691 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 48321691 xx 561 561-882 xx Non-QM QC Complete New York xx Legal Docs Doc Issue Active B * Missing required 1-4 family rider (Lvl 2) 1-4 family rider is missing in the loan files.    
xx 48321691 xx 561 561-882 xx Non-QM QC Complete New York xx Data Edit Data Edit Active B * Foreclosure Delay or Contested (Lvl 2) As per the comments the FC has between contested on xx/xx/xxxx and the issue has been resolved as per comments dated xx/xx/xxxx. no further information regarding the contested matter has been found.    
xx 48321691 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final Application is missing in the loan files, however found initial application at LOC (xx) updated as per the application.    
xx 48321691 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing in the loan files.    
xx 48321691 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Credit Active B * HUD-1 Closing Statement missing or unsigned (Lvl 3) Some of the points and fees of the HUd are hand written.    
xx 48321691 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The affiliated Business form is missing in the loan files.    
xx 48321691 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The following state disclosures are missing in the loan files, Commitment Disclosure, Subprime Home Loan Disclosure, Subprime Home Loan Tax and Insurance Payment Disclosure, Subprime Home Loan Counseling Disclosure, Smoke Alarm Affidavit, Default Warning Notice, Co-Signer Notice Requirements, Co-Signer Notice Requirements, Alternative Mortgage Transaction Disclosures, Part 80 Disclosure, Mortgage Bankers and Exempt Organizations Preapplication ,Tax Escrow Account Designation, NY Hazard Insurance  Disclosure, NY Consumer Credit Disclosure / Fair Credit Reporting Notice.    
xx 48321691 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service providers is missing in the loan files.    
xx 48321691 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 48321691 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 48321691 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 48321691 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the grace period test.
The loan has a grace period that does not conform to the requirements for the lenders license type in the state where the property is located.
This loan failed the late fees test.
The loan has late fees that do not conform to the requirements for the lenders license type in the state where the property is located.		    
xx 48321691 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the late fees test.
This loan failed the grace period test.
This loan failed the TILA right of rescission test.		    
xx 48321691 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA right of rescission test. ROR is missing from the loan file.    
xx 48321691 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to confirm operative index value due to missing documents.    
xx 43622424 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 43622424 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 43622424 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) “According to the review of updated title report dated xx/xx/xxxx, there are four ECB liens found in the combined amount of $905.00 in the favor of “xx. The liens were searched by the borrower name. The subject property is located at “New York” (Super lien) state and there can be a possibility of foreclosure due to these unpaid non mortgage liens. This can be cured if the liens are paid off with late charges and penalties. But; the property address provided on the original documents of the liens does not match with the subject property address.”    
xx 43622424 xx 561 561-882 xx Non-QM QC Complete New York xx Data Edit Data Edit Active B * Excessive Property Damage Noted (Lvl 4) According to the collection comment dated xx/xx/xxxx, the subject property got damaged at interior flooding on xx/xx/xxxx due to the Hurricane. The  comment states that the estimated cost of repairs is $30,000.00. According to the comment dated xx/xx/xxxx, the insurance claim for the same was not filed.The comment also states that the xx and received notification of damages. The latest collection comments does not have any information regarding this damage. Based on the collection comments as of xx/xx/xxxx, it is unable to confirm whether the damage is repaired. Also, there is no BPO report available to verify the damage.    
xx 43622424 xx 561 561-882 xx Non-QM QC Complete New York xx NPL General Active B * Water/Sewer Taxes (Lvl 2) According to the review of the updated title report dated xx/xx/xxxx, the utilities charge of the year xx are delinquent in  the amount ofxx.    
xx 43622424 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 43622424 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 43622424 xx 561 561-882 xx Non-QM QC Complete New York xx Legal Docs Mortgage Active B * Mortgage  (Lvl 2) Subject loan was originated under jumbo loan category.    
xx 43622424 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 43622424 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is in "New York" state which requires following disclosures are required and all are missing from the loan file.
NY Consumer Credit Disclosure / Fair Credit Reporting Notice
NY Interest Rate Disclosure
NY Hazard Insurance  Disclosure
Mortgage Bankers and Exempt Organizations Pre application
Co-Signer Notice Requirements
New York Real Property Escrow Account Disclosure
Commitment Disclosure
Lock-in Disclosure
Expiration of Lock-in or Commitment Period		    
xx 8758916 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 8758916 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 8758916 xx 561 561-882 xx Non-QM QC Complete New York xx NPL General Active B * Water/Sewer Taxes (Lvl 2) According to the review of the updated title report dated xx/xx/xxxx, the utilities charge of the year xx are delinquent in  the amount ofxx.    
xx 8758916 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) CE risk indicator is moderate due to,
1. This loan failed the TILA right of rescission test.
2. This loan failed the late fees test.		    
xx 8758916 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) CE state regulations test failed due to,
This loan failed the late fees test.
 The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located.		    
xx 8758916 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) CE TILA test failed,
This loan failed the TILA right of rescission test.
The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last.		    
xx 8758916 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider is missing from loan file.    
xx 8758916 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Operative Index Numerical Value Unavailable based on lender docs (Lvl 2) Operative index numerical value is unavailable as the supportive documents such as Loan program disclosure/Rate lock agreement/Closing instruction are missing from the loan file.    
xx 8758916 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from loan file.    
xx 8758916 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in NY State; however, required state disclosure is missing from loan file.
1. NY Consumer Credit Disclosure / Fair Credit Reporting Notice
2. NY Interest Rate Disclosure
3. NY Hazard Insurance  Disclosure
4. Tax Escrow Account Designation
5. Mortgage Bankers and Exempt Organizations Preapplication
6. Co-Signer Notice Requirements
7. Commitment Disclosure		    
xx 8899702 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 8899702 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 8899702 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Title Review Active B * Active Judgment Against Borrower (Lvl 3) According to updated title report dated xx/xx/xxxx there are two civil judgments against the borrower in amount of $xx in the favor of xx, they are recorded after the recorded mortgage.    
xx 8899702 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 8899702 xx 561 561-882 xx Non-QM QC Complete New York xx NPL General Active B * Water/Sewer Taxes (Lvl 2) According to the review of the updated title report dated xx/xx/xxxx, the utilities charge of the year xx are delinquent in  the amount ofxx.    
xx 8899702 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan files.    
xx 8899702 xx 561 561-882 xx Non-QM QC Complete New York xx Data Edit Data Edit Active B * Litigation (Lvl 3) As per collection comment dated xx/xx/xxxx shows that the loan active in litigation. No further information is available about litigation matter was resolved or not.    
xx 8899702 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) CE risk indicator is moderate due to, the TILA right of rescission test.    
xx 8899702 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) CE TILA test failed due to,
This loan failed the TILA right of rescission test.
 The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last.		    
xx 8899702 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Credit Active B * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 is available in the loan file. However, some points and fees are Hand Written.    
xx 8899702 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider is missing from loan file.    
xx 8899702 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of Servicing transfer is missing from the loan files.    
xx 8899702 xx 561 561-882 xx Non-QM QC Complete New York xx Legal Docs Note / Mod Active B * Lost Note Affidavit (Lvl 3) Original note is damaged / lost, and lost note affidavit found in the loan file at locator " xx". However a duplicate copy available in loan files.    
xx 8899702 xx 561 561-882 xx Non-QM QC Complete New York xx Legal Docs Mortgage Active B * Mortgage  (Lvl 2) Subject loan was originated under jumbo loan category.    
xx 8899702 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 8899702 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 8899702 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in NY State; however, required state disclosure is missing from loan file.
NY Consumer Credit Disclosure / Fair Credit Reporting Notice
NY Interest Rate Disclosure
NY Hazard Insurance  Disclosure
Mortgage Bankers and Exempt Organizations Preapplication
Co-Signer Notice Requirements
Commitment Disclosure		    
xx 35864424 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 35864424 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 35864424 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Application Missing (Lvl 2) Origination Application is missing however considered the Initial application located at (xx)    
xx 35864424 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated business disclosure is missing or un executed    
xx 35864424 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 35864424 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service providers is missing in the loan files.    
xx 35864424 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The required state disclosures are missing in the loan files.Impound Account Disclosure, Cosigner Notice, Private Mortgage Insurance Disclosure, Earthquake Disclosure forCondominiums, Hazard Insurance Disclosure, Insurer RecommendationDisclosure, CA Fair Lending Notice, Anti-Tying Disclosure, Privacy Notice, Notice of Right to Copy of Appraisal, Application for Credit-Married Persons, Fair Debt Collection Notice, Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application    
xx 35864424 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Property Active B * Subject property is located in a FEMA designated disaster area (recent). (Lvl 2) The subject property is located in the Los Angeles county where recent FEMA disaster is declared (California wild fires).    
xx 7564094 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 7564094 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 7564094 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Form is missing from the loan file.    
xx 7564094 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Valuation Property Active B * Property is Manufactured Housing (Lvl 2) As per the appraisal report, the subject property is Manufacture house. There is a VIN#xx on the mortgage document. The Alta 7 has not been found on Final Title Policy. Also the Affixation document was not found in the loan file.    
xx 7564094 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Acct Disclosure is missing from the loan file.    
xx 7564094 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Services Providers is missing from the loan file.    
xx 7564094 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) MI Certificate is missing from the loan file.    
xx 7564094 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 7564094 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer Disclosure is missing from the loan file.    
xx 7564094 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The following state disclosures are missing from the loan file.
1. ·Placement of Insurance Disclosure
2. ·Availability of Title Insurance
3. ·TN Consent to Disclosure of Insurance Information
4. ·Choice of Agent/insurer
5. ·Insurance Solicitation/Post Commitment.		    
xx 29216903 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 29216903 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 29216903 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Form is missing from the loan file.    
xx 29216903 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) Prepayment Term Test FAIL Loan Data 36Months Comparison Data 0Months Variance 36Months.
This loan failed the prepayment term test.
The loan has a prepayment term that does not conform to the requirements for the lender's license type in the state where the
property is located.		    
xx 29216903 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing Transfer Document is missing from the loan file.    
xx 29216903 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Application Missing (Lvl 2) The final application / 1003 is missing from the loan file.    
xx 29216903 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The List of Service Providers is missing from the loan file.    
xx 29216903 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) The loan program disclosure is missing from the loan file.    
xx 29216903 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comment is available from xx/xx/xxxx to xx/xx/xxxx. However, we require the latest 24 months of servicing comment. The servicing comment is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 29216903 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in the Maryland state. The following required state disclosures are missing from the loan file.
1. Affidavit of Consideration.
2. Affidavit of Disbursement.
3. First Time Buyers Affidavit.
4. Notice of Right to Select Attorney, Title Insurance Company and Settlement Agent Disclosure.
5. Balloon Payment.
6. No Escrow Account.
7. Mandatory Binding Arbitration Disclosures.		    
xx 29216903 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed prepayment term test.    
xx 29216903 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to determine the operative index value from the available loan file.    
xx 60128860 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 60128860 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 60128860 xx 561 561-882 xx Non-QM QC Complete Washington xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report at the time of origination is missing from the loan file.    
xx 60128860 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Collection comment is present from xx/xx/xxxx to xx/xx/xxxx; however we required latest 24 months comments. Collection comments are missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 60128860 xx 561 561-882 xx Non-QM QC Complete Washington xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD1 is not signed by the borrower.    
xx 60128860 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Following state disclosures are missing from the loan file.
Mortgage Loan Servicing Disclosure
Choice of Insurance Notice
Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 60128860 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider disclosure is missing from the loan file.    
xx 60128860 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from the loan file.    
xx 60128860 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Doc Issue Active B * ROR Transaction date not consistent with Note and/or HUD (Lvl 2) ROR transaction date is xx and the note date is xx, which is different from each other.    
xx 60128860 xx 561 561-882 xx Non-QM QC Complete Washington xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The loan was modified on xx between borrower and Lender. According to the modification agreement the new modified principal balance is $xx. In addition to this the lender agrees to forgive the principal balance is in the amount of $xx which exceeds more than 2.000% of the modified principal balance.    
xx 45638666 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 45638666 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 45638666 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business form is missing from the document.    
xx 45638666 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 45638666 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Mortgage Active B * Mortgage  (Lvl 2) Subject loan was originated under jumbo loan category.    
xx 45638666 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The Loan Modification Agreement consists of principle forgiven. As per MOD dated xx, the new modified principle balance is in the amount of xx in which $75,681.58 is deferred. In addition to this, there is a provision that $75,681.58 of the deferred principle balance is eligible for forgiveness. It’s been provided that the borrower will not be in default on his new payments for three full monthly consecutive payments. Then the lender will reduce on each of the first, second & third anniversaries of xx/xx/xxxx the deferred principle balance in installments equal to the one-third of the deferred principle reduction amount.    
xx 45638666 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Tax Lien showing on the subject property (Lvl 2) The notice of special tax liens attached with the updated title report dated xx/xx/xxxx states that there is a lien against the subject property to secure the payment of a special tax imposed by the governing board of the authority, xx. These special tax secured by the lien is for the purpose if providing library services and facility.  However, the amount of lien is not mentioned. The property is located in CA state. These special tax liens were recorded on xx respectively.    
xx 45638666 xx 561 561-882 xx Non-QM QC Complete California xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comments are available from xx/xx/xxxx to xx/xx/xxxx; However, we require latest 24 months of complete comment history. Hence, the servicing comments are missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 77882405 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 77882405 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 77882405 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 77882405 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from loan file.    
xx 77882405 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer document is missing from file.    
xx 77882405 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The affiliated business form is missing from the loan file.    
xx 77882405 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Application Missing (Lvl 2) The final 1003/application is missing from the loan file.    
xx 77882405 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) The final TIL is not hand dated by the borrower.    
xx 77882405 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The List of service providers is missing from the loan file.    
xx 77882405 xx 561 561-882 xx Non-QM QC Complete California xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comment is available from xx/xx/xxxx to xx/xx/xxxx. However, we require the latest 24 months of servicing comment. The servicing comment is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 77882405 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in the California. The following required state disclosures are missing from the loan file.
1. Impound Account Disclosure.
2. Cosigner Notice.
3. Private Mortgage Insurance Disclosure.
4. Hazard Insurance Disclosure.
5. Insurer Recommendation Disclosure.
6. Anti-Tying Disclosure.
7. Privacy Notice.
8. Notice of Right to Copy of Appraisal.
9. Application for Credit-Married Persons.
10. Fair Debt Collection Notice.
11. Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application.		    
xx 66437146 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Form is missing in the loan file    
xx 66437146 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan file    
xx 66437146 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Property Active B * Property Damage (Lvl 1) As per comment dated xx/xx/xxxx water damage disaster and claim filed by borrower in the amount of $10,001.00 and comment dated xx/xx/xxxx shows the inspection result repair are 100% complete. Current comment dated xx/xx/xxxx and BPO report (xx) dated xx/xx/xxxx shows the no visible damages.    
xx 66437146 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003/ loan application is missing from the loan file    
xx 66437146 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 / settlement statement or itemization of amount financed are missing from the loan File.    
xx 66437146 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 66437146 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of Servicing Transfer is missing in the loan file    
xx 66437146 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 22021398 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 22021398 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 22021398 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Comment history is available from xx/xx/xxxx to xx/xx/xxxx. However, we require the latest 24 months comment history. Comment history is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 22021398 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 22021398 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider document is missing from the loan file.    
xx 22021398 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
xx 22021398 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Massachusetts State. The following required state disclosures are missing from the loan file.
1.Lead-Based Paint Disclosure
2.Mortgage Loan Application Disclosure
3.Carbon Monoxide Alarms
4.MA Smoke Detector Certificate
5.Notice of the Specific Reason for Denial of Credit
6.Demonstration and Documentation of Compliance with Borrower’s Interest Requirement		    
xx 22021398 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to determine operative index value since supportive documents are missing from the loan file.    
xx 30175745 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 30175745 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 30175745 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) According to the review of updated title report dated xx/xx/xxxx, there are two Water/Sewer/Utilities liens for xx" which were recorded on xx respectively. The subject property is located at "Pennsylvania" (Super Lien) State there can be a possibility of foreclosure due this non mortgage unpaid liens. This can be cured by paying this liens with late charges and penalties.    
xx 30175745 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated business disclosure is missing from the loan file.    
xx 30175745 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Credit Active B * HUD-1 Closing Statement missing or unsigned (Lvl 3) The final HUD1 is available in the file. However, the point and fees are handwritten.    
xx 30175745 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service providers disclosure is missing from the loan file.    
xx 30175745 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 30175745 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The servicing transfer disclosure is missing from the loan file.    
xx 30175745 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Guidelines Active B * Cash out purchase (Lvl 2) This is a purchase transaction. However, the borrower received cash in hand in the amount of $869.78.    
xx 23897847 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 23897847 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 23897847 xx 561 561-882 xx Non-QM QC Complete Michigan xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 23897847 xx 561 561-882 xx Non-QM QC Complete Michigan xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is  missing in the loan file.    
xx 23897847 xx 561 561-882 xx Non-QM QC Complete Michigan xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated business disclosure is missing from the loan file.    
xx 23897847 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The CE failed for TILA finance charge test and TILA foreclosure rescission finance charge test.    
xx 23897847 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The Subject property is located in Michigan (MI) state. The following state disclosure is missing in the given loan file.
1.Choice of Insurance Agent.		    
xx 23897847 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active B * GSE Points and Fees Test Violations (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.    
xx 23897847 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA Finance Charge Test: Loan Data:  $94,109.00 Comparison Data: $94,492.32  Variance:  -$383.32
TILA Foreclosure Rescission Finance Charge Test: Loan Data: $94,109.00 Comparison Data:  $94,492.32 Variance: -$383.32		    
xx 26081018 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal report is missing from the loan file.    
xx 26081018 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final loan application is missing from the loan file.    
xx 26081018 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
xx 26081018 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 26081018 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from the loan file.    
xx 26081018 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 26081018 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Note / Mod Active B * Lost Note Affidavit (Lvl 3) The lost note affidavit has been found in the loan file located at “xx”, which states that the original note has been misplaced or destroyed. However, the duplicate copy of note is available in the loan file.    
xx 26081018 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comments are available from xx/xx/xxxx to xx/xx/xxxx. However, we required latest 24 months servicing comments. The servicing comments are missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 26081018 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Florida State. The following state disclosures are missing from the loan file.
1. Title Insurance Disclosure
2. Radon Gas Disclosure
3. Insurance Sales Disclosure		    
xx 69061033 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 69061033 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 69061033 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 69061033 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 69061033 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) ComplianceEase risk indicator is elevated as the loan had failed for GSE points and fees.    
xx 69061033 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow acct. disclosure is missing from the loan file.    
xx 69061033 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
xx 69061033 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 69061033 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The property has been located in CA State. The below State disclosures are missing from the loan file:
1. Impound Account Disclosure.
2. Cosigner Notice.
3. Private Mortgage Insurance Disclosure.
4. Hazard Insurance Disclosure.
5. Insurer RecommendationDisclosure.
6. Anti-Tying Disclosure.
7. Privacy Notice.
8. Notice of Right to Copy of Appraisal.
9. Application for Credit-Married Persons.
10. Fair Debt Collection Notice.
11. Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application.		    
xx 69061033 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * GSE Points and Fees Test Violations (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.    
xx 69061033 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to determine the operative index value from the loan file.    
xx 28044798 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 28044798 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 28044798 xx 561 561-882 xx Non-QM QC Complete California xx Data Edit Data Edit Active B * Litigation (Lvl 3) According to comment dated xx/xx/xxxx, the litigation issue was observed and the file is placed on hold. According to comment dated xx/xx/xxxx, the account is in litigation. Unable to determine the issue of litigation or whether it is resolved or not.    
xx 28044798 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from loan file.    
xx 28044798 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 28044798 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from loan file.    
xx 28044798 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan Program Disclosure is missing from loan file.    
xx 28044798 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 28044798 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Mortgage Active B * Mortgage  (Lvl 2) Subject loan was originated under jumbo loan category.    
xx 28044798 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of Service providers is missing from loan file.    
xx 28044798 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The property is located in state of California. The following required State Disclosure is missing in the loan file.
1.Impound Account Disclosure
2.Cosigner Notice
3.Private Mortgage Insurance Disclosure
4.Earthquake Disclosure forCondominiums
5.Hazard Insurance Disclosure
6.Insurer RecommendationDisclosure
7.CA Fair Lending Notice
8.Anti-Tying Disclosure
9.Privacy Notice
10.Notice of Right to Copy of Appraisal
11.Application for Credit-Married Persons
12.Fair Debt Collection Notice
13.Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 28044798 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA APR test.    
xx 28044798 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA APR test.
The annual percentage rate (APR) is 3.154%. The disclosed APR of 0.000% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.
The loan data is 0.000% and comparison data is 3.154%; hence, the variance is -3.154%.		    
xx 28044798 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to determine operative index value since supportive documents are missing from the loan file.    
xx 7616813 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 7616813 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Comment history is availanble from xx/xx/xxxx to xx/xx/xxxx. However, we require latest 24 months comment history. The comment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 7616813 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1/settlement statement and itemization of fees are missing from the loan file.    
xx 7616813 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final loan application /1003 is missing from the loan file.    
xx 7616813 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
xx 7616813 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account disclosure is missing from the loan file.    
xx 7616813 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service providers is missing from the loan file.    
xx 7616813 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of Servicing transfer is missing from the loan file.    
xx 7616813 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) Right of Rescission is missing from the loan file.    
xx 53787838 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 53787838 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 53787838 xx 561 561-882 xx Non-QM QC Complete New Jersey xx NPL NPL Active B * POC Deadline is coming soon (Lvl 4) As per the Pacer search for POC deadlines, The POC deadline due date was set for xx, however the POC has been filed by the lender on xx, hence the POC bar date has been passed.    
xx 53787838 xx 561 561-882 xx Non-QM QC Complete New Jersey xx NPL General Active B * Water/Sewer Taxes (Lvl 2) According to the review of the updated title report dated xx/xx/xxxx, the utilities charge of the year xx are delinquent in  the amount ofxx.    
xx 53787838 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 53787838 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The affiliated business form is missing in the loan files.    
xx 53787838 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The collection comments are available from xx/xx/xxxx till xx/xx/xxxx, we require recent 24 months of collection comments, missing the collection comments from xx/xx/xxxx till xx/xx/xxxx.    
xx 53787838 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The following state regulations are missing in the loan files,Delivery Fee Authorization,NJ Attorney Disclosure,Unacceptability of Insurance Notice,Attorney Disclosure II,Unacceptability of Insurance Notice,Attorney Disclosure II,Tax Bill Information,Private Well Testing,Choice of Insurer Disclosure,Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application.    
xx 53787838 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) The initial Account disclosure is missing in the loan files.    
xx 53787838 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service providers disclosure is missing in the loan files.    
xx 53787838 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The notice of servicing transfer document is missing in the loan files.    
xx 53787838 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 53787838 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test.    
xx 53787838 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test.
The loan does charge fee(s) not provided for in this act, which is prohibited.A person licensed as a mortgage broker shall have the right to charge only the following fees: (1) application fee; and (2) discount points which may be labeled as an origination fee.		    
xx 73021403 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 73021403 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 73021403 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 73021403 xx 561 561-882 xx Non-QM QC Complete Florida xx NPL General Active B * Describe the BK payment plan (Lvl 2) xx    
xx 73021403 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Collection comments are available from xx/xx/xxxx to xx/xx/xxxx which are incomplete as we required for recent 24 months. Collection comments are missing from xx/xx/xxxx6 toxx/xx/xxxx.    
xx 73021403 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase Risk Indicator is Moderate due to
This loan failed the TILA finance charge test.
This loan failed the TILA foreclosure rescission finance charge test.		    
xx 73021403 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow acct disclosure is missing from the loan file    
xx 73021403 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 73021403 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Subject property is located in Florida state.
The following Disclosuresare missing from the loan file:
Anti-Coercion Notice
Title Insurance Disclosure
Radon Gas Disclosure
Insurance Sales Disclosure		    
xx 73021403 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The affiliated business disclosure is missing from the loan file.    
xx 73021403 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider disclosure is missing from the loan file    
xx 73021403 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test. Loan Data:$112,554.99 Comparison Data:$113,142.72 Variance:-$587.73
This loan failed the TILA foreclosure rescission finance charge test. Loan Data:$112,554.99 Comparison Data:$113,142.72 Variance:-$587.73		    
xx 73021403 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * GSE Points and Fees Test Violations (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.
As loan data is  $4,589.00 and Comparison data is $3,195.00  with a variance of +$1,394.00		    
xx 33309780 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 33309780 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 33309780 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Credit Title Review Active B * Active Judgment Against Borrower (Lvl 3) According to updated title report dated xx/xx/xxxx, there is an Notice of judgment lien against the real estate in the favor of xx.
The supportive document attached with the updated title at xx states that the lien has been filed in the xx. However, the document does not contain the subject property address.		    
xx 33309780 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 33309780 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan files.    
xx 33309780 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 33309780 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The notice of servicing transfer disclosure is missing from the loan file.    
xx 33309780 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
xx 33309780 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Kentucky State. The following required state disclosures are missing from the loan file.
1.Insurance Sales
2.Fair Housing Notice
3.Homeownership Protection Center Disclosures
4.Notice of Free Choice of Agent or Insurer
5.VA Application Disclosure
6.Choice of Settlement Agent Disclosure
7.Disclosure of Charges For Appraisal or Valuation
8.Copy of Appraisal or Statement of Appraised Value
9.Affiliated Business Disclosure		    
xx 56557261 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 56557261 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 56557261 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 56557261 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Valuation Property Active B * Property Damage (Lvl 2) As per the BPO report inspected on xx/xx/xxxx, there was an estimated cost of repair on the subject property has been found in the amount of $1,500.00. However, no further detail related to damage or repair has been found.    
xx 56557261 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan file.    
xx 56557261 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 56557261 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Compliance Compliance Active B * Operative Index Numerical Value Unavailable based on lender docs (Lvl 2) Operative index value is unable to determine from the available loan file.    
xx 56557261 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Credit Doc Issue Active B * Application Missing (Lvl 2) The final application/1003 is missing from the loan file.    
xx 56557261 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) The Loan program disclosure is missing from the loan file.    
xx 56557261 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The Subject property is located in the Oklahoma (OK) state. The below Required State disclosures are missing in the given loan files. 
1] OK Title protection notice.
2] Insurance Disclosure.
3] NSF Fee Disclosure.
4] Over-the-limit fees.
5] Notice of Rights to Obtain a Security Freeze.		    
xx 69339471 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 69339471 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 69339471 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 69339471 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 69339471 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 69339471 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is missing from the loan file.    
xx 69339471 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 69339471 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The property has been located in NC State. The following State disclosures are missing from the loan file:
1. Amortization Schedule Disclosure.
2. Credit Property Insurance Disclosure.
3. Fee Agreement.
4. Priority of Security Instrument Disclosure.
5. Attorney Selection Disclosure.		    
xx 33666917 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 33666917 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 33666917 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 33666917 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase risk indicator is moderate as this loan failed the TILA APR test and GSE points and Fees test.    
xx 33666917 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final Application/1003 is missing from the loan file.    
xx 33666917 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file    
xx 33666917 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow disclosure is missing from the loan file.    
xx 33666917 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 33666917 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is missing from the loan file.    
xx 33666917 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 33666917 xx 561 561-882 xx Non-QM QC Complete New York xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) The chain of assignment is incomplete as there is a break in chain of assignment from xx to xx.    
xx 33666917 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 33666917 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property has been located in New York State. The below required State disclosures are missing from the loan file:
1] NY Consumer Credit Disclosure / Fair Credit Reporting Notice.
2] NY Interest Rate Disclosure.
3] NY Hazard Insurance  Disclosure.
4] Tax Escrow Account Designation.
5] Part 80 Disclosure.
6] Alternative Mortgage Transaction Disclosures.
7] Co-Signer Notice Requirements.
8] Default Warning Notice.
9] Smoke Alarm Affidavit.
10] New York Real Property Escrow Account Disclosure.		    
xx 33666917 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed TILA APR Test. Loan Data : 0.0000%, Comparison Data: 13.224% and Variance: -13.224%.
This loan failed the TILA APR test.
The annual percentage rate (APR) is 13.224%. The disclosed APR of 0.000% is not considered accurate because it is more than
1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.		    
xx 33666917 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * GSE Points and Fees Test Violations (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.    
xx 96824793 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 96824793 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 96824793 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affilliated Business disclosure is missing from the loan file.    
xx 96824793 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in the state of NC. The following state disclosures are missing from the loan file.
1. Amortization Schedule Disclosure
2. Credit Property Insurance Disclosure
3. Fee Agreement
4. Priority of Security Instrument Disclosure
Attorney Selection Disclosure		    
xx 96824793 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.
The finance charge is $96,956.01. The disclosed finance charge of $96,552.02 is not considered accurate because it is
understated by more than $100.		    
xx 96824793 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) TILA Finance Charge Test: FAIL Loan Data  xx Comparison Data xx  Variance -xx    
xx 69752021 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 69752021 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 69752021 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Following are the state disclosure which are missing from the loan file;
1. Affidavit of Consideration
2. First Time Buyers Affidavit
3. Notice of Right to Select Attorney, Title Insurance Company and Settlement Agent Disclosure
4. No Escrow Account
5. Mandatory Binding Arbitration Disclosures		    
xx 69752021 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 69752021 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider is missing from the loan file.    
xx 69752021 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated Business Disclosure is missing from the loan file.    
xx 69752021 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Service Transfer Disclosure is missing from the loan file.    
xx 69752021 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) xx    
xx 69752021 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 94514404 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 94514404 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 94514404 xx 561 561-882 xx Non-QM QC Complete Maryland xx NPL NPL Active B * Payment History is not Complete (Lvl 3) Available payment history is from xx/xx/xxxx toxx/xx/xxxx; however, we require latest 12 months payment history. Payment history is missing from datexx/xx/xxxx to xx/xx/xxxx.    
xx 94514404 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Compliance Ease Risk Indicator is moderate as the loan is failing for TILA APR test:  Charged 0.000%  Allowed 7.618% Over By -7.618%.    
xx 94514404 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) Compliance Ease Risk Indicator is moderate as the loan is failing for TILA APR test:  Charged 0.000%  Allowed 7.618% Over By -7.618%.
This loan failed the TILA APR test. ( 12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4) )
The annual percentage rate (APR) is 7.618%. The disclosed APR of 0.000% is not considered accurate because it is more than
1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.		    
xx 94514404 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 94514404 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Following state disclosures are missing from the loan file.
Affidavit of Consideration
Affidavit of Disbursement
First Time Buyers Affidavit
Notice of Right to Select Attorney, Title Insurance Company and Settlement Agent Disclosure
Balloon Payment
No Escrow Account
Mandatory Binding Arbitration Disclosures
Home Buyer Education and Counseling Disclosure		    
xx 94514404 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider disclosure is missing from the loan file.    
xx 94514404 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
xx 94514404 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of service transfer disclosure is missing from the loan file.    
xx 94514404 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index numerical value is unavailable as the supportive documents such as Loan program disclosure/Rate lock agreement/Closing instruction are missing from the loan file.    
xx 94514404 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from the loan file.    
xx 94514404 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Title Review Active B * Active State Tax Lien Judgement. (Lvl 2) The review of the pro-title dated xx/xx/xxxx , there is a State Tax lien against the borrower xx    
xx 94514404 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 2) xx    
xx 83861839 xx 561 561-882 xx Non-QM QC Complete Iowa xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 83861839 xx 561 561-882 xx Non-QM QC Complete Iowa xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 83861839 xx 561 561-882 xx Non-QM QC Complete Iowa xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Latest servicing comment is available from xx/xx/xxxx to xx/xx/xxxx. However, we required latest 24 months servicing comment. Servicing comment is missing from  xx/xx/xxxx toxx/xx/xxxx.    
xx 83861839 xx 561 561-882 xx Non-QM QC Complete Iowa xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider disclosure is missing from the loan file.    
xx 83861839 xx 561 561-882 xx Non-QM QC Complete Iowa xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing  transfer document is missing from the loan file.    
xx 1068287 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 1068287 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 1068287 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Comment history is available from xx/xx/xxxx to xx/xx/xxxx. However, we require latest 24 months comment history. The comment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 1068287 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final loan application /1003 is missing from the loan file.    
xx 1068287 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Subject property is located in Georgia state.
The following Disclosures are missing from the loan file:
1. Waiver of Borrowers Rightsand Closing Attorney Affidavit (not required by law but provided as a matter of custom)
2. Disclosure of Additional Fees		    
xx 1068287 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The affiliated business disclosure is missing from the loan file.    
xx 1068287 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) The initial escrow account disclosure is missing from the loan file.    
xx 1068287 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider disclosure is missing from the loan file.    
xx 1068287 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to determine operative index value from the loan file.    
xx 70484452 xx 561 561-882 xx Non-QM QC Complete Colorado xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 70484452 xx 561 561-882 xx Non-QM QC Complete Colorado xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 70484452 xx 561 561-882 xx Non-QM QC Complete Colorado xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated Business Disclosure is missing from the loan file.    
xx 70484452 xx 561 561-882 xx Non-QM QC Complete Colorado xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The collection comments are available from xx/xx/xxxx to xx/xx/xxxx. The latest 24 months collection comments are required. The comments are missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 70484452 xx 561 561-882 xx Non-QM QC Complete Colorado xx Credit Doc Issue Active B * Application Missing (Lvl 2) The final 1003 is missing from the loan file.    
xx 70484452 xx 561 561-882 xx Non-QM QC Complete Colorado xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) The Initial escrow acct disclosure is missing from the loan.    
xx 70484452 xx 561 561-882 xx Non-QM QC Complete Colorado xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service providers disclosure is missing from the loan file.    
xx 70484452 xx 561 561-882 xx Non-QM QC Complete Colorado xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in the state of Colorado. The following state disclosures are missing from loan file.
1.Cash-Out Refinance Disclosure
2.Property Insurance Disclosure
3.Colorado Notice to Cosigner
4.Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 70484452 xx 561 561-882 xx Non-QM QC Complete Colorado xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.    
xx 70484452 xx 561 561-882 xx Non-QM QC Complete Colorado xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to determine an operative index value since the supportive documents are missing from the loan file.    
xx 36587506 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 36587506 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 36587506 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 36587506 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is missing from loan file.    
xx 36587506 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated Business Disclosure is missing from loan file.    
xx 36587506 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 36587506 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in the state of Florida. The following state disclosures are missing from the loan file.
1. Anti-Coercion Notice
2. Title Insurance Disclosure
3. Radon Gas Disclosure
4. Insurance Sales Disclosure		    
xx 67156474 xx 561 561-882 xx Non-QM QC Complete Oregon xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 67156474 xx 561 561-882 xx Non-QM QC Complete Oregon xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 67156474 xx 561 561-882 xx Non-QM QC Complete Oregon xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 67156474 xx 561 561-882 xx Non-QM QC Complete Oregon xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated Business Disclosure is missing from the loan file.    
xx 67156474 xx 561 561-882 xx Non-QM QC Complete Oregon xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) The chain of assignment has not been completed. The latest assignment is from xx.    
xx 67156474 xx 561 561-882 xx Non-QM QC Complete Oregon xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) The final HUD-1 document is not signed by borrower.    
xx 67156474 xx 561 561-882 xx Non-QM QC Complete Oregon xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The List of Service Provider Disclosure is missing from the loan file.    
xx 67156474 xx 561 561-882 xx Non-QM QC Complete Oregon xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comments is available from xx/xx/xxxx to xx/xx/xxxx. However, we required the last 24 months of servicing comments. The servicing comments are missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 67156474 xx 561 561-882 xx Non-QM QC Complete Oregon xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in the Oregon State. However the following required state disclosures are missing from the loan file.
1. ·Oregon Forced Placed Insurance Notice.
2. ·Notice where Escrow Account is NOT Required.
3. ·Escrow Notice for Loans Sold to Out-of- State Purchases within one year.
4. ·Anti-Coercion Notice.
·5. Insurance Premium Notice.
6. ·Insurance Sales Notice.
7. ·Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application.		    
xx 67156474 xx 561 561-882 xx Non-QM QC Complete Oregon xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to determine the operative index value from the available loan files.    
xx 85319049 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 85319049 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 85319049 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 85319049 xx 561 561-882 xx Non-QM QC Complete Illinois xx Valuation Property Active B * Property Damage (Lvl 1) As per the comment dated xx/xx/xxxx, the property gets Water damage due to this the roof, fencing and shutters were damaged. The borrower filed claim with the insurance company xx for repair the damaged. The estimated repair amount of damage was $10,001.00. As per the comment dated xx/xx/xxxx, the property inspection was completed and all damages(100%) has been repaired and the borrower and lender is satisfied with the work done. The claim was closed.    
xx 85319049 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow disclosure is missing from the loan file.    
xx 85319049 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from the loan file.    
xx 85319049 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
xx 85319049 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is missing from the loan file.    
xx 85319049 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active B * Operative Index Numerical Value Unavailable based on lender docs (Lvl 2) Operative index value is unable to confirm from the loan file.    
xx 85319049 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) xx     
xx 60479884 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 60479884 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 60479884 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 60479884 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosures is missing from the loan file.    
xx 60479884 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report at the origination is missing from the loan file.    
xx 60479884 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
xx 60479884 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD-1 is not sign by all the borrowers.    
xx 60479884 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider disclosures is missing from the loan file.    
xx 60479884 xx 561 561-882 xx Non-QM QC Complete California xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Servicing comments are available from xx/xx/xxxx to xx/xx/xxxx; however, we require latest 24 months comments history; Servicing comments are missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 60479884 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 60479884 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in California State and the CA state requires total 12 disclosures, all are missing from the loan file.
1) Impound Account Disclosure
2) Cosigner Notice
3) Private Mortgage Insurance Disclosure
4) Hazard Insurance Disclosure
5) Insurer Recommendation Disclosure
6) CA Fair Lending Notice
7) Anti-Tying Disclosure
8) Privacy Notice
9) Notice of Right to Copy of Appraisal
10) Application for Credit-Married Persons
11) Fair Debt Collection Notice
12) Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 60479884 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 93151541 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 93151541 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 93151541 xx 561 561-882 xx Non-QM QC Complete Washington xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 93151541 xx 561 561-882 xx Non-QM QC Complete Washington xx Valuation Property Active B * Property Damage (Lvl 1) According to servicing comment dated xx/xx/xxxx, subject property was damage. The total estimate amount of repair $5000.00. The nature of damage was cosmetic. However, latest servicing comment dated xx/xx/xxxx show, subject property is average condition with no repairs needed. There is no latest BPO or property inspection report available in the loan file. Also, No information has been found regarding the insurance claim. This seems that the damages  repaired has been completed.    
xx 93151541 xx 561 561-882 xx Non-QM QC Complete Washington xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD-1 is available in the loan file. However, it is not signed by borrower.    
xx 93151541 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider is missing from the loan file.    
xx 93151541 xx 561 561-882 xx Non-QM QC Complete Washington xx Legal Docs Mortgage Active B * Mortgage  (Lvl 2) Subject loan was originated under jumbo loan category.    
xx 93151541 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA finance charge test.    
xx 93151541 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.
The finance charge is $603,014.55. The disclosed finance charge of $602,714.72 is not considered accurate because it is understated by more than $100.
Loan data is $602714.72 which is comparison with $603014.55 and varianc is -$299.83.		    
xx 89161620 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 89161620 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 89161620 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit DTI Active B * DTI > 60% (Lvl 2) As per final 1003, borrower monthly income is $3311.76 and the total monthly expenses are in the amount of $2063.99 which exceed DTI 60.000%.    
xx 89161620 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Valuation Property Active B * Property Damage (Lvl 2) Latest collection comment dated xx/xx/xxxx state that there is some damages on the subject property. Some flooring that had been purchased and replaced. Estimated repaired cost is in the amount of $600.00.  The nature of the damage is unavailable. No details were found regarding the insurance claim.    
xx 89161620 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider disclosure is missing from the loan file.    
xx 89161620 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) Loan is FHA and LTV is greater than xx, hence MI is required which was missing from the loan file.    
xx 89161620 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Credit Active B * FHA need to verify with HUD if still active (Lvl 4) This is FHA loan. The loan was originated on xx as an FHA loan with case #xx. No indication of any changes in loan type found in the loan file.    
xx 19110148 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 19110148 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 19110148 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Data Edit Data Edit Active B * Excessive Property Damage Noted (Lvl 4) According to comments dated xx/xx/xxxx and xx/xx/xxxx, the interior BPO inspection has been completed on xx/xx/xxxx which shows the subject property had damages to its windows and floor. The interior needs to be painted.  The property needed repairs in the amount of $11,267.00. However, we are unable to determine whether the repairs have been completed or not as latest servicing comments do not provide any information regarding the damages and we also don’t have any latest BPO to verify the property condition. No details have been found regarding the insurance claim.    
xx 19110148 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 19110148 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 19110148 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal report is missing from the loan file.    
xx 19110148 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Legal Docs Doc Issue Active B * Title policy missing (Lvl 3) Final Title Policy is missing from the loan file. However, values are updated from the commitment located at "xx".    
xx 19110148 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Following disclosures of Massachusetts State are missing from the loan file.
Lead-Based Paint Disclosure
Mortgage Loan Application Disclosure
Carbon Monoxide Alarms
MA Smoke Detector Certificate
Notice of the Specific Reason for Denial of Credit
Demonstration and Documentation of Compliance with Borrower’s Interest Requirement		    
xx 19110148 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 19110148 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service providers disclosure is missing from the loan file.    
xx 19110148 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) MI certificate is missing from the loan file.    
xx 19110148 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Credit Active B * FHA need to verify with HUD if still active (Lvl 4) This is FHA loan. The loan was originated on xx as an FHA loan with case #xx. No indication of any changes in loan type found in the loan file.    
xx 57458912 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 57458912 xx 561 561-882 xx Non-QM QC Complete Indiana xx Valuation Valuation Active B * Property Damage (Lvl 3) According to servicing comment dated xx/xx/xxxx subject property has a damage. The nature of damage is roof. Servicing comment dated xx/xx/xxxx shows, borrower intends to repair the property as the estimated claim amount is under $20000.00. According to servicing comment dated xx/xx/xxxx, borrower has claimed to insurance company for repairing the amount of $7892.79. The borrower has received the amount of $6892.79 with the deduction of $1000.00 due to policy limitations. Still it has not been cleared that for how much cost the damage was, also the latest servicing comment does not show whether the repair has been done or not.    
xx 57458912 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Form Disclosure is missing from the loan file.    
xx 57458912 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider is missing from the loan file.    
xx 57458912 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Subject property is located at IN state.
Following state disclosure is missing from the loan file.:-
1) Hazard Insurance Disclosure.
2) Federal Consumer Credit Protection Act Disclosure.		    
xx 57458912 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the Indiana license validation test.    
xx 57458912 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active B * ComplianceEase Exceptions Test Failed (Lvl 2) This loan failed the Indiana license validation test.
Indiana House Enrolled Act 1359 requires the Indiana Department of Financial Institutions to begin regulation of both first and subordinate lien mortgage lending under the First Lien Mortgage Lending License and Subordinate Lien Mortgage Lending License. As a result, lenders will no longer be allowed to make loans under the Indiana Unregulated (1st Lien), Unregulated
UCCC, Consumer Loan License, Consumer Loan License UCCC, or the Exemption Letter UCCC. The Indiana First Lien Mortgage Lending License and Indiana Subordinate Lien Lending License are not available for loans with a closing date before the Act's effective date of January 1, 2009.		    
xx 57458912 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Credit Active B * FHA need to verify with HUD if still active (Lvl 4) This is FHA loan. The loan was originated on xx as an FHA loan with case #xx. No indication of any changes in loan type found in the loan file.    
xx 20807570 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 20807570 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 20807570 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) According to the updated title report dated xx/xx/xxxx, there is an HOA lien in the amount of xx.
 The subject property is located in Florida State, which is a super lien state. There is a risk of the property to be foreclosed due to above unpaid liens. This can be a cure if the above lien is paid off with unpaid interest and late fees.		    
xx 20807570 xx 561 561-882 xx Non-QM QC Complete Florida xx Data Edit Data Edit Active B * Foreclosure Delay or Contested (Lvl 2) As per the comment dated xx/xx/xxxx, the contested matter was identified. No further details have been found. As per the comment dated xx/xx/xxxx, the contested matter was resolved.    
xx 20807570 xx 561 561-882 xx Non-QM QC Complete Florida xx Data Edit Data Edit Active B * Litigation (Lvl 3) As per the comment dated xx/xx/xxxx, the litigation action was filed on xx/xx/xxxx. No further details have been found. No comments have been found stating the litigation was resolved.    
xx 20807570 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Property Active B * Property Damage (Lvl 2) As per the comment dated xx/xx/xxxx, there is drywall damage behind the bathroom toilet. The living room ceiling is damaged. No further details have been found. As per the comment dated xx/xx/xxxx, no repairs and damages have been found.    
xx 20807570 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 20807570 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider is missing from the loan file.    
xx 20807570 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) Loan type is conventional and LTV is xx its greater than xx. MI certificate is required but not available in the loan file.    
xx 20807570 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated business form is missing from the loan file.    
xx 20807570 xx 561 561-882 xx Non-QM QC Complete Florida xx Data Edit Data Edit Active B * Deceased Borrower(s) (Lvl 3) According to the updated title report dated xx/xx/xxxx, the borrower,xx was deceased on xx. However, no details regarding the death certificate or probate has been found in the collection comments.

.		    
xx 20807570 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) xx    
xx 20807570 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Credit Active B * FHA need to verify with HUD if still active (Lvl 4) This is FHA loan. The loan was originated on xx as an FHA loan with case #xx. No indication of any changes in loan type found in the loan file.    
xx 5301109 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit DTI Active B * DTI > 60% (Lvl 2) According to the 1003 the total monthly income is in the amount of xx and the total monthly expenses is in the amount of $3,630.01 hence, it exceeds the standard limit of xx%.    
xx 5301109 xx 561 561-882 xx Non-QM QC Complete New Jersey xx NPL General Active B * Water/Sewer Taxes (Lvl 2) According to the review of the updated title report dated xx/xx/xxxx, the utilities charge of the year xx are delinquent in  the amount ofxx.    
xx 5301109 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) According to the updated title report dated xx/xx/xxxx, there is a certificate of tax sale for unpaid municipal lien for xx against the subject property, which was sold to xx. The subject property is located in the NJ, which is a super lien state. There is a risk of property getting foreclose due to unpaid taxes. This can be cured by the redemption of tax certificate.    
xx 5301109 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 5301109 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 5301109 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider document is missing from the loan file.    
xx 5301109 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer disclosure is missing from the loan file.    
xx 5301109 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 5301109 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in NJ State. The following state disclosures are missing in the loan file.
NJ Attorney Disclosure
Unacceptability of Insurance Notice
Attorney Disclosure II
Tax Bill Information
Private Well Testing
Choice of Insurer Disclosure
Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 92300199 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 92300199 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application is missing from the loan file; however, the values are updated as per the prior application located at (xx).    
xx 92300199 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Acct Disclosure is missing from the loan file.    
xx 92300199 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Other Disclosures Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from the loan file.    
xx 92300199 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) xx     
xx 40160519 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 40160519 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 40160519 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 40160519 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 40160519 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 40160519 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 40160519 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from the loan file.    
xx 40160519 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property has been located in Wisconsin State. The following State disclosures are missing in the loan file:
1. Explanation of Personal Obligation.
2. Marital Property Act Disclosure.
3. Pre-Application Fee Disclosure.
4. Choice of Insurance Disclosure.
5. Escrow Disclosure.
6. Co-Signer Notice.
7. Tattle Tale Notice under the Marital Property Act.		    
xx 40160519 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA APR test.    
xx 40160519 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA APR Test: Result: FAIL Loan Data: 0.000%, Comparison Data: 6.005% and Variance: -6.005%.
This loan failed the TILA APR test.
The annual percentage rate (APR) is 6.005%. The disclosed APR of 0.000% is not considered accurate because it is more than
1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.		    
xx 63319917 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 63319917 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 63319917 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Title Review Active B * Property address changed since origination - address on updated title different from note (Lvl 2) xx    
xx 63319917 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application is missing from the loan file.    
xx 63319917 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The following state disclosures are missing from the loan file.
1.Agent Preference Disclosure
2.Casualty Insurance Disclosure
3.Manufactured Home Loan Disclosures.		    
xx 63319917 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Other Disclosures Active B * Missing Required Disclosures (Lvl 2) The list of service providers disclosure is missing from the loan file.    
xx 69977999 xx 561 561-882 xx Non-QM QC Complete Kansas xx Valuation Appraisal Active B * Variation in Parcel number(APN#) (Lvl 2) xx    
xx 69977999 xx 561 561-882 xx Non-QM QC Complete Kansas xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 69977999 xx 561 561-882 xx Non-QM QC Complete Kansas xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan file.    
xx 69977999 xx 561 561-882 xx Non-QM QC Complete Kansas xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application is missing from the loan file.    
xx 69977999 xx 561 561-882 xx Non-QM QC Complete Kansas xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1/settlement statement along with estimated HUD-1 / itemization of fees are missing from the loan file.    
xx 69977999 xx 561 561-882 xx Non-QM QC Complete Kansas xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 69977999 xx 561 561-882 xx Non-QM QC Complete Kansas xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow acct disclosure is missing from the loan file.    
xx 69977999 xx 561 561-882 xx Non-QM QC Complete Kansas xx Legal Docs Title Issue Active B * Title issue (Lvl 3) ISAOA / It's successors and or assigns clause is missing from the Short form loan policy.    
xx 69977999 xx 561 561-882 xx Non-QM QC Complete Kansas xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Servicing providers discloser is missing from the loan file.    
xx 69977999 xx 561 561-882 xx Non-QM QC Complete Kansas xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of Servicing Transfer disclosure is missing from the loan file.    
xx 69977999 xx 561 561-882 xx Non-QM QC Complete Kansas xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 59993412 xx 561 561-882 xx Non-QM QC Complete Maine xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal Report is missing from the loan file.    
xx 59993412 xx 561 561-882 xx Non-QM QC Complete Maine xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 59993412 xx 561 561-882 xx Non-QM QC Complete Maine xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) As per the modification agreement which was made on xx. According to the modified terms, the current principal balance is $xx; however, the lender has forgiven the amount of $xx which exceeds 2% of the modified principal balance. Currently, the new principal balance is $xx.    
xx 59993412 xx 561 561-882 xx Non-QM QC Complete Maine xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan file.    
xx 59993412 xx 561 561-882 xx Non-QM QC Complete Maine xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Providers is missing from the loan file.    
xx 59993412 xx 561 561-882 xx Non-QM QC Complete Maine xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated Business Disclosure is missing from the loan file.    
xx 59993412 xx 561 561-882 xx Non-QM QC Complete Maine xx Credit Doc Issue Active B * Application Missing (Lvl 2) The final application/1003 is missing from the loan file.    
xx 59993412 xx 561 561-882 xx Non-QM QC Complete Maine xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) The final HUD-1 along with itemization and estimated HUD-1 are missing from the loan file.    
xx 59993412 xx 561 561-882 xx Non-QM QC Complete Maine xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) The final TIL is missing from the loan file.    
xx 59993412 xx 561 561-882 xx Non-QM QC Complete Maine xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) The Loan Program Disclosure is missing from the loan file.    
xx 59993412 xx 561 561-882 xx Non-QM QC Complete Maine xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) The Right of Rescission is missing from the loan file.    
xx 59993412 xx 561 561-882 xx Non-QM QC Complete Maine xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The Servicing Transfer Document is missing from the loan file.    
xx 59993412 xx 561 561-882 xx Non-QM QC Complete Maine xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Maine State. The following required state disclosures are missing from the loan file.
1. Notice to Cosigner.
2. Title Attorney Disclosure.
3. Choice of Insurance Notice.
4. Withholding Tax Disclosure.		    
xx 59993412 xx 561 561-882 xx Non-QM QC Complete Maine xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to determine the Operative Index value from the available loan file.    
xx 69929685 xx 561 561-882 xx Non-QM QC Complete Missouri xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 69929685 xx 561 561-882 xx Non-QM QC Complete Missouri xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 69929685 xx 561 561-882 xx Non-QM QC Complete Missouri xx Valuation Valuation Active B * Property Damage (Lvl 2) According to the BPO report dated xx/xx/xxxx located at “xx”, the subject property needs new roof. The estimated amount of repair was $3,000.00. As per the collection comment dated xx/xx/xxxx, the subject property was damaged due to hail from year ago. The comment dated xx/xx/xxxx, the loss draft was received; however, the amount is not available. According to the inspection report dated xx/xx/xxxx located at “xx”, the subject property was occupied by unknown party with good condition. Unable to determine the current condition and occupancy of the subject property as the latest BPO report is not available in the loan file.    
xx 69929685 xx 561 561-882 xx Non-QM QC Complete Missouri xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) According to the updated title report dated xx/xx/xxxx, the subject mortgage is at lower lien position as there is an active water sewer lien against the subject property in the favor of xx.
The subject property is located in Missouri; which is a super lien state. There is a risk of property being foreclosed due to above unpaid lien.
This can be cured by paying off the lien along with late fees and accrued interest.		    
xx 69929685 xx 561 561-882 xx Non-QM QC Complete Missouri xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 69929685 xx 561 561-882 xx Non-QM QC Complete Missouri xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) CE risk indicator is Moderate due to:-
This loan failed the first lien prohibited fees test.
This loan failed the broker fees test.
This loan failed the origination fee and broker fee test.		    
xx 69929685 xx 561 561-882 xx Non-QM QC Complete Missouri xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) ComplianceEase State Regulations are failed for:-

1) This loan failed the first lien prohibited fees test. Fail: Charged:-$1,440.00 Allowed: $0.00 Over By: +$1,440.00

2) This loan failed the broker fees test. Fail: Charged:-$3,637.00 Allowed: $1,440.00 Over By: +$2,197.00

3) This loan failed the origination fee and broker fee test. Fail: Charged:-$3,812.00 Allowed: $1,440.00 Over By: +$2,372.00		    
xx 69929685 xx 561 561-882 xx Non-QM QC Complete Missouri xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final loan application is missing from the loan file.    
xx 69929685 xx 561 561-882 xx Non-QM QC Complete Missouri xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The affiliated business form is missing in the loan files.    
xx 69929685 xx 561 561-882 xx Non-QM QC Complete Missouri xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service providers are missing in the loan files.    
xx 69929685 xx 561 561-882 xx Non-QM QC Complete Missouri xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) xx     
xx 9218843 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 9218843 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 9218843 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 9218843 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * ROR Transaction date not consistent with Note and/or HUD (Lvl 2) As per ROR, the transaction date is xx which is different than the note date xx.    
xx 9218843 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 9218843 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 9218843 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
xx 9218843 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer disclosure is missing from the loan file.    
xx 9218843 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Mortgage Active B * Mortgage  (Lvl 2) Subject loan was originated under jumbo loan category.    
xx 9218843 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in CA State. The following state disclosures are missing in the loan files.

1. Impound Account Disclosure
2. Cosigner Notice
3. Hazard Insurance Disclosure
4. Insurer Recommendation Disclosure
5. Anti-Tying Disclosure
6. Privacy Notice
Notice of Right to Copy of Appraisal
Application for Credit-Married Persons
Fair Debt Collection Notice
Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 9218843 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Property Active B * Subject property is located in a FEMA designated disaster area (recent). (Lvl 2) The subject property is located in the Los Angeles county where recent FEMA disaster is declared (California wild fires). According to servicing comment dated xx/xx/xxxx, the inspection for any damage regarding the FEMA was ordered; however, the comment dated xx/xx/xxxx  shows that the inspection results did not report any damage or repairs pertaining to the subject property.    
xx 9218843 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to confirm an operative index value from the available loan files.    
xx 93157219 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 93157219 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 93157219 xx 561 561-882 xx Non-QM QC Complete Michigan xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 93157219 xx 561 561-882 xx Non-QM QC Complete Michigan xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 93157219 xx 561 561-882 xx Non-QM QC Complete Michigan xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan file.    
xx 93157219 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase Risk Indicator is Moderate due to
This loan failed the TILA finance charge test.
This loan failed the TILA foreclosure rescission finance charge test.		    
xx 93157219 xx 561 561-882 xx Non-QM QC Complete Michigan xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by borrower.    
xx 93157219 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 93157219 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of servicing providers disclosure is missing from the loan file.    
xx 93157219 xx 561 561-882 xx Non-QM QC Complete Michigan xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR was not hand dated by the borrower.    
xx 93157219 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Michigan State. Following disclosures are missing from the loan file.
1.MI Borrower's Bill of Rights
2.MI Consumer Caution and Homeownership Counseling Notice
3.Choice of Insurance Agent		    
xx 93157219 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test. Loan data is $100,768.04, Comparison data is $101,106.68 and variance is -$338.64.
This loan failed the TILA foreclosure rescission finance charge test. Loan data is $100,768.04, Comparison data is $101,106.68 and variance is -$338.64.		    
xx 26547616 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 26547616 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 26547616 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider document is missing from the loan file.    
xx 26547616 xx 561 561-882 xx Non-QM QC Complete Ohio xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The loan has been modified once since origination. According to the modified terms, the new unpaid principal balance is xx. The borrower is qualifies for the principal reduction in the amount of $37,265.05. The lender has agreed to forgive the amount of $37,265.05 of the unpaid principal balance on the modification effective date which exceeds 2% of the modified principal amount of $204,249.18.    
xx 26547616 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Ohio State. The following required state disclosures are missing from the loan file.
1. Equal Credit Availability Notice
2. Insurance Tying Disclosure
3. Non-Deposit Insurance Disclosure		    
xx 26547616 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to determine an operative index value as the supportive documents are missing from the loan file.    
xx 90044907 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 90044907 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 90044907 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Credit Title Review Active B * Active Judgment Against Borrower (Lvl 3) Active judgment against the borrower.
As per the review of the updated title report dated xx/xx/xxxx, there is a senior judgment against the borrower in the favor of xx. The short form policy does not show any exception for this. This can be cured by paying off the judgment amount along with interest rate and penalty.		    
xx 90044907 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Data Edit Data Edit Active B * Deceased Borrower(s) (Lvl 3) According to the updated title report dated xx/xx/xxxx, the borrower,xx was deceased on xx. However, no details regarding the death certificate or probate has been found in the collection comments.

.		    
xx 90044907 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 90044907 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated Business Disclosure is missing from the loan file.    
xx 90044907 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) The Final Truth In Lending is not hand dated by the borrowers.    
xx 90044907 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) The Initial Escrow Account Disclosure is missing from the loan file.    
xx 90044907 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The List of Service Provider Disclosure is missing from the loan file.    
xx 90044907 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Legal Docs Doc Issue Active B * Prepayment Rider Missing (Lvl 2) The original note contains the pre-payment penalty term, however the pre-payment rider is missing from the loan file.    
xx 90044907 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) The Right of Rescission is not hand dated by the borrowers.    
xx 90044907 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) xx    
xx 90044907 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in the Louisiana state. The following state disclosures are missing from the loan file:
1. Authorization Fees, Charges and Expenses for Federally Related Mortgage Loans
2. Anti-Tying Disclosure
3. Financial Institution Choice of Insurance Disclosure		    
xx 90044907 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.    
xx 24427623 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 24427623 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated business disclosure is missing from the loan files.    
xx 24427623 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The ComplianceEase risk indicator is Moderate as this loan failed exceptions test for the Indiana license validation test.    
xx 24427623 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service providers is missing from the loan files.    
xx 24427623 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) The loan program disclosure is missing from the loan files.    
xx 24427623 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) The operative index value is unable to be determined from the available loan files.    
xx 24427623 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The property is located in IN state, the following required state disclosures are missing from the loan files.
1. Hazard Insurance Disclosure
2. Federal Consumer Credit Protection Act Disclosure
3. Insurance Freedom of Choice Disclosure		    
xx 24427623 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active B * ComplianceEase Exceptions Test Failed (Lvl 2) This loan failed exceptions test for the Indiana license validation test.    
xx 24427623 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active B * GSE Points and Fees Test Violations (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.    
xx 18913038 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 18913038 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 18913038 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 18913038 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) ComplianceEase risk indicator is moderate as the loan is failing for prepayment penalty test.
The loan is a primary residence loan that charges a prepayment penalty with a term exceeding 3 years.		    
xx 18913038 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account disclosure is missing from the loan file.    
xx 18913038 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from the loan file.    
xx 18913038 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is missing from the loan file.    
xx 18913038 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The Subject property is located in Georgia (GA) state. The below Required State disclosures are missing in the given loan files.
1] Waiver of Borrowers Rightsand Closing Attorney Affidavit (not required by law but provided as a matter of custom)
2] Disclosure of Additional Fees.		    
xx 18913038 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 26801893 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 26801893 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 26801893 xx 561 561-882 xx Non-QM QC Complete Illinois xx Data Edit Data Edit Active B * Deceased Borrower(s) (Lvl 3) According to the servicing comment dated xx/xx/xxxx, the co-borrower (xx had deceased on xx. The death certificate for the same was received on xx.    
xx 26801893 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from loan file.    
xx 26801893 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider document is missing from the loan file.    
xx 26801893 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer disclosure is missing from the loan file.    
xx 26801893 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) xx     
xx 10112082 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 10112082 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 10112082 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase Risk Indicator is Moderate due to State Regulation has been failed for Prepayment Term Test.    
xx 10112082 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) ComplianceEase State Regulation Test has been failed due to Prepayment Term Test which shows result as Loan Data 36 Months, Comparison Data 0Months, and Variance is 36Months.
The loan has a prepayment term that does not conform to the requirements for the lender's license type in the state where the property is located.		    
xx 10112082 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider disclosure is missing from the loan file.    
xx 10112082 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) List of service provider disclosure is missing from the loan file.    
xx 54233159 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 54233159 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 54233159 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 3) xx year 2nd half taxes, xx year 2nd half taxes and xx year 1st half taxes ($6,084.10) in the total amount of $18,374.02 are delinquent and the payoff good through by xx    
xx 54233159 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 54233159 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD is not executed by the borrower.    
xx 54233159 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 54233159 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Mortgage Active B * Mortgage  (Lvl 2) Subject loan was originated under jumbo loan category.    
xx 91802275 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report is missing from loan file; however, the values are updated as per the tape data.    
xx 91802275 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from loan file.    
xx 91802275 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice Of Servicing Transfer disclosure is missing from loan file.    
xx 91802275 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from loan file.    
xx 91802275 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Good Faith Estimate missing or unexecuted (Lvl 2) The loan was originated after xx; however, the final GFE is missing from loan file.    
xx 91802275 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Initial Good Faith Estimate is Missing (Lvl 2) The loan was originated after xx; however, the initial GFE is missing from loan file.    
xx 91802275 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Initial Truth in Lending Disclosure is Missing (Lvl 2) The loan was originated after xx; however, the initial truth in lending disclosure is missing from loan file.    
xx 91802275 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 2) xx    
xx 91802275 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * ComplianceEase Exceptions Test Failed (Lvl 2) This loan failed the Pennsylvania license validation test. (PA HB 2179 Section 6111)
The Pennsylvania HB 2179 requires non-exempt mortgage lenders engaged in the business of making mortgage loans to be
licensed, effective November 5th, 2008.
The Pennsylvania Mortgage Lender License and Pennsylvania Exemption Letter (Mortgage Act) are not available for loans with a
closing date before November 5th, 2008.
FAIL
LOAN DETAIL		    
xx 91802275 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the Pennsylvania license validation test. (PA HB 2179 Section 6111).    
xx 45675806 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Valuation Appraisal Active B * Variation in Parcel number(APN#) (Lvl 3) xx    
xx 45675806 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase Risk Indicator is Moderate due to loan failed the Pennsylvania license validation test.    
xx 45675806 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Legal Docs Doc Issue Active B * Title policy missing (Lvl 3) Final title policy at origination is missing from the loan file. However, the commitment to the title policy (Loc#xx) is available in the loan file.    
xx 45675806 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from the loan file.    
xx 45675806 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is missing from the loan file.    
xx 45675806 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from the loan file.    
xx 45675806 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) The appraisal report is missing from the loan file.    
xx 45675806 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * ComplianceEase Exceptions Test Failed (Lvl 2) This loan failed the Pennsylvania license validation test.
The Pennsylvania HB 2179 requires non-exempt mortgage lenders engaged in the business of making mortgage loans to be licensed, effective November 5th, 2008. The Pennsylvania Mortgage Lender License and Pennsylvania Exemption Letter (Mortgage Act) are not available for loans with a closing date before November 5th, 2008.		    
xx 52533448 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 52533448 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 52533448 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final copy of HUD-1 is available in loan file located at ("xx"); however, the final HUD is not signed by the borrower.    
xx 52533448 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The affiliated business form disclosure is missing from the loan file.    
xx 52533448 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Other Disclosures Active B * Missing Required Disclosures (Lvl 2) The list of service providers disclosure is missing from the loan file.    
xx 52533448 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in state of FL.
The following state disclosures are missing from the loan file.
1.Anti-Coercion Notice
2.Title Insurance Disclosure
3.Radon Gas Disclosure
4.Insurance Sales Disclosure.		    
xx 52533448 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Appraisal Active B * Variation in Parcel number(APN#) (Lvl 3) xx    
xx 52533448 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.    
xx 52533448 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) TILA Finance Charge Test: FAIL Loan Data  xx Comparison Data xx  Variance -xx    
xx 52533448 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 84466235 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 84466235 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 84466235 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 84466235 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final loan application /1003 is missing from the loan file. However, values taken as per initial application is (xx).    
xx 84466235 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan Program disclosure is missing from the loan file.    
xx 84466235 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is missing from the loan file.    
xx 84466235 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The affiliated business form disclosure is missing from the loan file.    
xx 84466235 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The following state disclosures are missing from the loan file.
1. Impound Account Disclosure.
2. Cosigner Notice.
3. Private Mortgage Insurance Disclosure.
4. Hazard Insurance Disclosure.
5. Insurer RecommendationDisclosure.
6. Anti-Tying Disclosure.
7. Privacy Notice.
8. Notice of Right to Copy of Appraisal.
9. Application for Credit-Married Persons.
10. Fair Debt Collection Notice.
11. Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application.		    
xx 84466235 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to determine the operative index value source from the loan file.    
xx 22253955 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 22253955 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 22253955 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The notice of servicing transfer disclosure is missing from the loan file.    
xx 22253955 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
xx 22253955 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) The ROR is missing from the loan file.    
xx 22253955 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 22253955 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Virginia State. The following required state disclosures are missing from the loan file.

1.VA Application Disclosure
2.Choice of Settlement Agent Disclosure
3.Disclosure of Charges for Appraisal or Valuation
4.Copy of Appraisal or Statement of Appraised Value		    
xx 22253955 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Title Review Active B * Property address changed since origination - address on updated title different from note (Lvl 2) xx    
xx 10471570 xx 561 561-882 xx Non-QM QC Complete Oregon xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 10471570 xx 561 561-882 xx Non-QM QC Complete Oregon xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 10471570 xx 561 561-882 xx Non-QM QC Complete Oregon xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD-1 is not signed by the borrower, However unsigned copy of Final Hud-1 is available in loan file.    
xx 10471570 xx 561 561-882 xx Non-QM QC Complete Oregon xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider is missing in loan file.    
xx 10471570 xx 561 561-882 xx Non-QM QC Complete Oregon xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing in loan file    
xx 10471570 xx 561 561-882 xx Non-QM QC Complete Oregon xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated Business Disclosure is missing in loan file.    
xx 87319956 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 87319956 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Legal Docs Active B * Updated title review shows IRS / vehicle / federal / personal tax liens (Lvl 2) According to the updated title report dated xx/xx/xxxx there are 2 IRS liens against the borrower total in the amount of xx. Verified with the SSN of borrower as the related document reflects the SSN#xxx-xx-xx of subject borrower.    
xx 87319956 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Form is missing from the loan file.    
xx 87319956 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) CE Risk Indicator is "Moderate" as this loan failed Initial TIL Disclosure Date Test.    
xx 87319956 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Good Faith Estimate missing or unexecuted (Lvl 2) Final GFE is missing from the loan file.    
xx 87319956 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Providers Disclosures is missing from the loan file.    
xx 87319956 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Mortgage Active B * Mortgage  (Lvl 2) Subject loan was originated under jumbo loan category.    
xx 87319956 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 87319956 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in CA state. The following state disclosure is missing from the loan file.
Impound Account Disclosure
Cosigner Notice
Private Mortgage Insurance Disclosure
Hazard Insurance Disclosure
Insurer RecommendationDisclosure
Anti-Tying Disclosure
Privacy Notice
Notice of Right to Copy of Appraisal
Application for Credit-Married Persons
Fair Debt Collection Notice
Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 87319956 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the initial TIL disclosure date test due to one of the following:
date creditor received the application (formerly application date) is on or after July 30, 2009, and:
The loan is a mortgage transaction subject to the Real Estate Settlement Procedures Act (12 U.S.C. §2601 et seq.) that is
secured by the consumer's dwelling; and
The initial TIL disclosure date is not later than the third business day (counting days on which the creditor's offices are
open to the public for carrying on substantially all of its business functions) after the creditor receives the consumer's
written application; and
The initial TIL disclosure date is not later than the seventh business day (counting all calendar days except Sunday and
specified legal public holidays) before consummation of the transaction.
Or, the application date of the loan is before July 30, 2009, and
The loan is a "residential mortgage transaction" subject to the Real Estate Settlement Procedures Act (12 U.S.C. §2601
et seq.); and
The initial TIL disclosure date is before consummation or three business days after the creditor receives the consumer's
written application, whichever is earlier.		    
xx 63755006 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 63755006 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 63755006 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) An operative index value is unable to determine from the available loan file.    
xx 63755006 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) The Loan program disclosure document is missing in the given loan file.    
xx 63755006 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The Notice of servicing Transfer document is missing in the given loan file.    
xx 63755006 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Required Affiliated Business disclosure document is missing in the given loan file.    
xx 63755006 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) xx     
xx 72855060 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 72855060 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 72855060 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from loan file.    
xx 72855060 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is missing from loan file.    
xx 72855060 xx 561 561-882 xx Non-QM QC Complete Texas xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 72855060 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider  is missing from the loan file.    
xx 72855060 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) xx     
xx 37555006 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business form is missing from the loan file.    
xx 37555006 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report page 1 is located at "xx", however, remaining portion of the report is missing from the loan file.    
xx 37555006 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) As per the review of the updated title report, the chain of assignment has not been completed. Currently, the mortgage is with xx.    
xx 37555006 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application is missing from the loan file.    
xx 37555006 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final Hud-1 along with itemization and estimated HUD are missing from the loan file.    
xx 37555006 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 37555006 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 37555006 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers document is missing from the loan file.    
xx 37555006 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 37555006 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer document is missing from the loan file.    
xx 37555006 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The following disclosures are missing from the loan file,

1.Anti-Coercion Notice
2.Title Insurance Disclosure
3.Radon Gas Disclosure
4.Insurance Sales Disclosure		    
xx 37555006 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 37555006 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 9268932 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 9268932 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 9268932 xx 561 561-882 xx Non-QM QC Complete Georgia xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal report is missing from the loan file.    
xx 9268932 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
xx 9268932 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Georgia State. The following required state disclosures are missing from the loan file.
1.Waiver of Borrowers Rightsand Closing Attorney Affidavit (not required by law but provided as a matter of custom)
2.Disclosure of Additional Fees		    
xx 1115288 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 1115288 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Legal Docs Legal Docs Active B * Updated title review shows IRS / vehicle / federal / personal tax liens (Lvl 2) As per updated title report dated xx/xx/xxxx, there are five active IRS Liens against the subject borrower in the total amount of xx.    
xx 1115288 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Credit Title Review Active B * Active State Tax Lien Judgement. (Lvl 2) As per updated title report dated xx/xx/xxxx, there is an active state tax lien against the borrower in the amount of $xx which was recorded on xx    
xx 1115288 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider disclosure is missing from the loan file.    
xx 90897705 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 90897705 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 90897705 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 90897705 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Valuation Property Active B * Property Damage (Lvl 2) As per the comment dated xx/xx/xxxx, the property had some repairs. The estimated cost of repairs and the nature of damage has not been mentioned. No further information found which state whether the damage has been repaired. Also, the latest BPO is not available.    
xx 90897705 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Legal Docs Legal Docs Active B * Updated title review shows IRS / vehicle / federal / personal tax liens (Lvl 2) As per the review of the updated title report dated xx/xx/xxxx,there are five IRS liens against the borrower in the favor of xx which were recorded on different dates.    
xx 90897705 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application is missing from the loan file.    
xx 90897705 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Providers is missing from loan file.    
xx 90897705 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located at Kentucky, following disclosures are missing from loan file.

1.Fair Housing Notice
2.Homeownership Protection Center Disclosures
3.Notice of Free Choice of Agent or Insurer		    
xx 90897705 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to determine an operative  index value since the supportive documents are missing from the loan file.    
xx 68285979 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 68285979 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Doc Issue Active B * Good Faith Estimate missing or unexecuted (Lvl 2) Good Faith Estimate is un executed. It was not signed by borrower also it was not on note date.    
xx 68285979 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan file.    
xx 68285979 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Doc Issue Active B * Initial Good Faith Estimate is Missing (Lvl 2) Initial GFE is missing from the loan file.    
xx 68285979 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Doc Issue Active B * Initial Truth in Lending Disclosure is Missing (Lvl 2) Initial TIL is missing from the loan file.    
xx 68285979 xx 561 561-882 xx Non-QM QC Complete Washington xx Valuation LTV Active B * LTV or CLTV exceeds 104% (Lvl 2) LTV/CLTV Exceeds xx.00%.    
xx 68285979 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of Service Transfer Disclosure is missing from the loan file.    
xx 68285979 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated Business Disclosure is missing from the loan file.    
xx 68285979 xx 561 561-882 xx Non-QM QC Complete Washington xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 68285979 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider disclosure is missing from the loan file.    
xx 68285979 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The property is located in WA State and the required disclosures are missing from the loan file.
Mortgage Loan Servicing Disclosure
Choice of Insurance Notice
Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 68285979 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 3) THis is FHA loan and LTV exceeds xx% hence required the MI certificate which is missing from the loan file.    
xx 68285979 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Credit Active B * FHA need to verify with HUD if still active (Lvl 4) This is FHA loan. The loan was originated on xx as an FHA loan with case #xx. No indication of any changes in loan type found in the loan file.    
xx 90088557 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 90088557 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 90088557 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 90088557 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is nor hand dated by the borrower.    
xx 90088557 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) Service Providers List is missing from the loan file.    
xx 90088557 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) The initial escrow account disclosure is missing from the loan file.    
xx 90088557 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) The loan is FHA and MI certificate is missing from the loan file.    
xx 90088557 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The notice of servicing transfer is missing from the loan file.    
xx 90088557 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Credit Active B * FHA need to verify with HUD if still active (Lvl 4) This is FHA loan. The loan was originated on xx as an FHA loan with case #xx. No indication of any changes in loan type found in the loan file.    
xx 55189482 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 55189482 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 55189482 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) According to the modification agreement made on xx the new principal is in the amount of xx  with interest rate of 2.000%.In addition to this the lender agrees to permanently forgive the principal balance in the amount of $109,486.29 which exceeds 2% of the modified principal amount.    
xx 55189482 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Legal Docs Active B * Updated title review shows IRS / vehicle / federal / personal tax liens (Lvl 2) According to the updated title report dated xx/xx/xxxx, there is a IRS lien against the borrower xx.    
xx 55189482 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
xx 55189482 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD-1 is not signed by the borrower.    
xx 55189482 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 55189482 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Title policy missing (Lvl 3) Final title policy is missing from the loan file along with title commitment. However, preliminary title report is available in the loan file.    
xx 55189482 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 55189482 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
xx 55189482 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index numerical value is unable to determine from the given lenders documents.    
xx 55189482 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Mortgage Active B * Mortgage  (Lvl 2) Subject loan was originated under jumbo loan category.    
xx 57292671 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 57292671 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 57292671 xx 561 561-882 xx Non-QM QC Complete New York xx Valuation Appraisal Active B * Property is vacant (Lvl 3) As per the collection comment dated xx/xx/xxxx, the subject property is vacant.    
xx 57292671 xx 561 561-882 xx Non-QM QC Complete New York xx Credit DTI Active B * DTI > 60% (Lvl 2) As per the final 1003, borrower's monthly income is $2000.00 and the borrower's monthly expenses are $1548.48, so DTI exceeds 60.00%    
xx 57292671 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Compliance Ease Risk Indicator is moderate as the loan is failing for TILA Foreclosure Rescission Finance Charge Test: Charged $147,107.26 Allowed $147,153.14 Over By $45.88.    
xx 57292671 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) Compliance Ease Risk Indicator is moderate as the loan is failing for TILA Foreclosure Rescission Finance Charge Test: Charged $147,107.26 Allowed $147,153.14 Over By $45.88.
This loan failed the TILA foreclosure rescission finance charge test. ( 12 CFR §1026.23(h) , transferred from 12 CFR
§226.23(h) )		    
xx 57292671 xx 561 561-882 xx Non-QM QC Complete New York xx Legal Docs Doc Issue Active B * Title policy missing (Lvl 3) Final title policy at the time of origination is missing from the loan file; however Title Commitment is available in the file locator ("xx"), values are updated as per the title commitment.    
xx 4474903 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 4474903 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 4474903 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) According to the updated title report dated xx/xx/xxxx, the subject mortgage is at lower lien position as there are two statement of condominium liens for (COA liens) against the subject property in the favor of xx respectively. Also, there are two judgments of COA liens for the total amount of xx respectively.    
xx 4474903 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 4474903 xx 561 561-882 xx Non-QM QC Complete Maryland xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD-1 is not signed by the borrower.    
xx 4474903 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan file.    
xx 4474903 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 4474903 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is missing from the loan file.    
xx 4474903 xx 561 561-882 xx Non-QM QC Complete Maryland xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 4474903 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Maryland State. The following state disclosures are missing from the loan file:
1. Affidavit of Consideration
2. Affidavit of Disbursement
3. First Time Buyers Affidavit
4. Notice of Right to Select Attorney, Title Insurance Company and Settlement Agent Disclosure
5. No Escrow Account
6. Mandatory Binding Arbitration Disclosures
7. Home Buyer Education and Counseling Disclosure		    
xx 4474903 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 4474903 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.
The finance charge is $215,578.53. The disclosed finance charge of $215,264.53 is not considered accurate because it is understated by more than $100.
TILA Finance Charge Test: FAIL Loan Data is: $215,264.53, Comparison Data is: $215,578.53; hence, variance: -$314.00

This loan failed the TILA foreclosure rescission finance charge test.
The finance charge is $215,578.53. The disclosed finance charge of $215,264.53 is not considered accurate for purposes of rescission because it is understated by more than $35.
TILA Foreclosure Rescission Finance Charge Test: FAIL Loan Data is: $215,264.53, Comparison Data is: $215,578.53; hence, variance: -$314.00		    
xx 4474903 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA finance charge test.
This loan failed the TILA foreclosure rescission finance charge test.		    
xx 23951827 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 23951827 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 23951827 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Credit Worthiness Active B * Fraudulent  (Lvl 3) According to the collection comments xx/xx/xxxx, the reason for default is fraud and as per comments dated xx/xx/xxxx, the borrower declined to setup payment on that day and stated that  fraudulent activities done to one of his checking accounts and will call on xx/xx/xxxx to schedule the payments; however, further information pertaining to that has not been found.    
xx 23951827 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 23951827 xx 561 561-882 xx Non-QM QC Complete Georgia xx Data Edit Data Edit Active B * Water/Sewer Taxes (Lvl 3) xx    
xx 23951827 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Collection comments are available from xx/xx/xxxx to xx/xx/xxxx which are incomplete as we require recent 24 months. Collection comments are missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 23951827 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated business disclosure is missing from the loan files.    
xx 23951827 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 23951827 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service providers is missing from the loan files.    
xx 23951827 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) xx     
xx 23951827 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 33185921 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 33185921 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 33185921 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 33185921 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 33185921 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Collection comments are available from xx/xx/xxxx to xx/xx/xxxx. However, we required latest 24 months collection comments. Hence, the comments are missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 33185921 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Legal Docs Doc Issue Active B * Title policy missing (Lvl 3) Final title policy is missing in the loan file. However, the commitment is available, located at ("xx").    
xx 33185921 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is missing from the loan file.    
xx 33185921 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from the loan file.    
xx 82818851 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 82818851 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 82818851 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Compliance Compliance Active B * ComplianceEase Exceptions Test Failed (Lvl 2) CE Exception Test failed for CT License Validation Test.    
xx 82818851 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) CE risk indicator is moderate as State Regulations failed for First Lien Prepaid Finance Charge Test.    
xx 82818851 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) CE State Regulations failed for First Lien Prepaid Finance Charge Test. Fail: Charged:$5,048.00 Allowed: $5,000.00 Over By:+$48.00    
xx 82818851 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider is missing from loan file.    
xx 82818851 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from loan file.    
xx 82818851 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Servicing comments are available from xx/xx/xxxx to xx/xx/xxxx. However, we required latest 24 months complete comments history. Servicing comments are missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 82818851 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in CT State and the required Legal Representation Disclosure is missing from loan file.    
xx 82818851 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Compliance Compliance Active B * GSE Points and Fees Test Violations (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.    
xx 79316501 xx 561 561-882 xx Non-QM QC Complete Rhode Island xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 79316501 xx 561 561-882 xx Non-QM QC Complete Rhode Island xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 79316501 xx 561 561-882 xx Non-QM QC Complete Rhode Island xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 79316501 xx 561 561-882 xx Non-QM QC Complete Rhode Island xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan file.    
xx 79316501 xx 561 561-882 xx Non-QM QC Complete Rhode Island xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of servicing providers disclosure is missing from the loan file.    
xx 79316501 xx 561 561-882 xx Non-QM QC Complete Rhode Island xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is missing from the loan file.    
xx 79316501 xx 561 561-882 xx Non-QM QC Complete Rhode Island xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) The loan program disclosure is missing from the loan file.    
xx 79316501 xx 561 561-882 xx Non-QM QC Complete Rhode Island xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in RhodeIsland state. Following disclosures are missing from the loan file.
1.Appraisal Fee Disclosure
2.Choice of Title Insurer
3.Choice of Insurer (any type of insurance)
4.Withholding Tax Disclosure
5.Fee Disclosure
6.Notice of Rights
7.Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 24016600 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 24016600 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 24016600 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) According to the updated title report dated xx/xx/xxxx, the chain of assignments has been recorded out of order. The subject mortgage was originated with the lender,xx. However, the second assignment was recorded on xx.    
xx 24016600 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 24016600 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 24016600 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Servicing comments are available from xx/xx/xxxx to xx/xx/xxxx in the loan file. However, we require latest 24 months collection comments. Servicing comments are missing from xx/xx/xxxx to xx/xx/xxxx, from xx/xx/xxxx to xx/xx/xxxx, and xx/xx/xxxx to xx/xx/xxxx.    
xx 24016600 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in the North Carolina state. The following state disclosures are missing from the loan file:
1.Amortization Schedule Disclosure
2.Credit Property Insurance Disclosure
3.Fee Agreement
4.Priority of Security Instrument Disclosure
5.Attorney Selection Disclosure		    
xx 24016600 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 33663026 xx 561 561-882 xx Non-QM QC Complete Kansas xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 33663026 xx 561 561-882 xx Non-QM QC Complete Kansas xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 33663026 xx 561 561-882 xx Non-QM QC Complete Kansas xx Legal Docs Title Issue Active B * Title issue (Lvl 3) xx    
xx 33663026 xx 561 561-882 xx Non-QM QC Complete Kansas xx Credit Doc Issue Active B * Application Not Signed by All Borrowers (Lvl 2) Final application is missing from the loan file. Therefore the information is considered from initial loan application which is located at "xx"    
xx 33663026 xx 561 561-882 xx Non-QM QC Complete Kansas xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application is missing from the loan file. Therefore the information is considered from initial loan application which is located at "xx"    
xx 33663026 xx 561 561-882 xx Non-QM QC Complete Kansas xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow acct disclosure is missing from the loan file.    
xx 33663026 xx 561 561-882 xx Non-QM QC Complete Kansas xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by borrower.    
xx 33663026 xx 561 561-882 xx Non-QM QC Complete Kansas xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The following state disclosure is missing from the loan file.
Signed Closed-end Credit Agreement Notice		    
xx 33663026 xx 561 561-882 xx Non-QM QC Complete Kansas xx Modification Doc Issue Active B * Loan appears modified. Mod missing or unexecuted (Lvl 3) The loan modification agreement dated xx is not signed by borrower. However, the borrower has been making the payments as per the modification agreement.    
xx 33663026 xx 561 561-882 xx Non-QM QC Complete Kansas xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the late fees test.    
xx 33663026 xx 561 561-882 xx Non-QM QC Complete Kansas xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the late fees test.
The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is
located
Late Fees Test: FAIL Loan Data 5.000%  Comparison Data 4.784%  Veriance +0.216%		    
xx 196642 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 196642 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 196642 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) According to the updated title report dated xx/xx/xxxx, there is HOA lien against the subject property in the favor of xx The foreclosure was initiated for same lien and Notice of Lis pendens was filed on xx.
The subject property is located in Florida State which is super lien state. There is risk of the subject property being foreclosed. This can be cured by paying off above unpaid HOA lien with accrued interest and late charges.		    
xx 196642 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 196642 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from the loan file.    
xx 196642 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 196642 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Valuation Active B *  Property value crammed down (Lvl 4) xx     
xx 196642 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) xx    
xx 196642 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The Subject property is located in Florida (FL) state. The below Required State disclosures are missing in the given loan files. 
1] Anti-Coercion Notice.
2] Title Insurance Disclosure.
3] Radon Gas Disclosure.
4] Insurance Sales Disclosure.		    
xx 196642 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA finance charge test.    
xx 196642 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.
The finance charge is $232,841.06. The disclosed finance charge of $230,159.96 is not considered accurate because it is understated by more than $100.
This loan Failed TILA Finance Charge Test::  Loan Data: $230,159.95  Comparison Data: $232,841.06  Variance: -$2,681.10.		    
xx 62871402 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 62871402 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 62871402 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Appraisal Active B * Property is vacant (Lvl 3) According to collection comment dated xx/xx/xxxx shows the subject property is vacant but secure.    
xx 62871402 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 62871402 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 62871402 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * ROR Transaction date not consistent with Note and/or HUD (Lvl 2) As per ROR the transaction date is xx which is different from the note date. However, the note date is xx.    
xx 62871402 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Active State Tax Lien Judgement. (Lvl 2) As per the updated title report dated xx/xx/xxxx there are 3 state tax liens  in the favor of xx.    
xx 62871402 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Legal Docs Active B * Updated title review shows IRS / vehicle / federal / personal tax liens (Lvl 2) As per the updated title report dated xx/xx/xxxx there is one IRS lien against the borrower xx.    
xx 62871402 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) HUD-1 is not sign by all the borrower.    
xx 62871402 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service provider disclosure is missing from the loan file.    
xx 62871402 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
xx 62871402 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index value is unable to determine from the available loan file.    
xx 62871402 xx 561 561-882 xx Non-QM QC Complete California xx Credit Credit Active B * HUD-1 Closing Statement missing or unsigned (Lvl 3) The final copy of HUD-1 is missing from the loan file. However, the copy of Estimated HUD is available located at ("xx").The values are updated as per estimated HUD-1.    
xx 62871402 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Rvw shows prop. owner of record is not borr. (Lvl 2) xx    
xx 62871402 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in California State , CA state required total 10 disclosure all are missing from the loan file.
1) Impound Account Disclosure
2) Cosigner Notice
3 ) Private Mortgage Insurance Disclosure
4) Hazard Insurance Disclosure
5) Insurer Recommendation Disclosure
6) Anti-Tying Disclosure
7) Privacy Notice
8) Notice of Right to Copy of Appraisal
9) Application for Credit-Married Persons
10) Fair Debt Collection Notice
11) Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 28482399 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 28482399 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 28482399 xx 561 561-882 xx Non-QM QC Complete New Jersey xx NPL General Active B * Recent Foreclosure Sale - Need Update (Lvl 4) xx    
xx 28482399 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan file.    
xx 28482399 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Providers is missing from the loan file.    
xx 28482399 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan Program Disclosure is missing from the loan file.    
xx 28482399 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located at New Jersey, the following disclosures are missing from loan file.
1. NJ Application Disclosure.
2. Delivery Fee Authorization.
3. NJ Attorney Disclosure.
4. Unacceptability of Insurance Notice.
5. Attorney Disclosure II.
6. Tax Bill Information.
7. Private Well Testing.
8. Lock-In Agreement.
9. Commitment Disclosures.
10. Choice of Insurer Disclosure.
11. Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application.		    
xx 28482399 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to determine an operative  index value since the supportive documents are missing from the loan file.    
xx 78149577 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 78149577 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 78149577 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 78149577 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider document is missing from the loan file.    
xx 78149577 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
xx 78149577 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.    
xx 18062613 xx 561 561-882 xx Non-QM QC Complete Delaware xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 18062613 xx 561 561-882 xx Non-QM QC Complete Delaware xx Data Edit Data Edit Active B * Water/Sewer Taxes (Lvl 2) xx    
xx 18062613 xx 561 561-882 xx Non-QM QC Complete Delaware xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1) Compliance Ease Exception test incomplete.    
xx 18062613 xx 561 561-882 xx Non-QM QC Complete Delaware xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1) Compliance ease RESPA test incomplete.    
xx 18062613 xx 561 561-882 xx Non-QM QC Complete Delaware xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan file.    
xx 18062613 xx 561 561-882 xx Non-QM QC Complete Delaware xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program Disclosure is missing from the loan file.    
xx 18062613 xx 561 561-882 xx Non-QM QC Complete Delaware xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The List of service providers are missing from the loan file.    
xx 18062613 xx 561 561-882 xx Non-QM QC Complete Delaware xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 18062613 xx 561 561-882 xx Non-QM QC Complete Delaware xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 18062613 xx 561 561-882 xx Non-QM QC Complete Delaware xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed Broker Fees Test.    
xx 18062613 xx 561 561-882 xx Non-QM QC Complete Delaware xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the broker fees test.
This loan charges one or more prohibited broker fees.
A mortgage loan broker may not accept any fee in connection with a mortgage loan, other than an application fee or any credit
report fee, property appraisal fee, title examination fee or other bona fide 3rd-party fee actually and reasonably paid or incurred
by the licensee on behalf of the borrower, prior to obtaining a written commitment from a qualified lender (setting forth the terms
and conditions upon which the lender is willing to make a mortgage loan to the borrower). The amount of fees that may be
collected or received by a mortgage loan broker, whether constituting an application fee, a fee payable to a 3rd party, fee payable
at the time of written commitment or upon consummation of a mortgage loan or otherwise, shall be subject to such limitations
as may be provided by regulation of the Commissioner. A licensee shall be obligated to refund all fees collected by it from a
borrower, other than those fees paid by the licensee to a 3rd party, if a written commitment for a mortgage loan from a qualified
mortgage lender is not produced within the time specified by the mortgage loan broker and otherwise at the rate, terms and
overall costs agreed upon by the borrower or the mortgage loan does not close; provided however, that a licensee shall not be
required to refund fees when the failure to obtain a written commitment for a mortgage loan or the failure of a closing thereunder
to occur is due to the substantial fault of the borrower.
Broker Fees Test  Result FAIL Loan Data $1,971.00 Comparison Data $0.00 Variance +$1,971.00.		    
xx 18062613 xx 561 561-882 xx Non-QM QC Complete Delaware xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to determine the operative index value from the available loan file.    
xx 99954283 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 99954283 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 99954283 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from loan file.    
xx 99954283 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Legal Docs Doc Issue Active B * Title policy missing (Lvl 3) Final title policy is missing from the loan file; However, title commitment is available in the loan file which is located at xx.    
xx 99954283 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Following are the state disclosure which are missing from the loan file;
1.Explanation of Personal Obligation,
2.Marital Property Act Disclosure,
3.Choice of Insurance Disclosure,
4.Co-Signer Notice,
5.Tattle Tale Notice under the Marital Property Act.		    
xx 99954283 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Providers is missing from loan file.    
xx 99954283 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 81608822 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 81608822 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 81608822 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal report is missing from the loan file.    
xx 81608822 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from the loan file.    
xx 81608822 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
xx 81608822 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Legal Docs Mortgage Active B * Mortgage  (Lvl 2) Subject loan was originated under jumbo loan category.    
xx 81608822 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Modification Doc Issue Active B * Loan appears modified. Mod missing or unexecuted (Lvl 4) The latest collection comment dated xx/xx/xxxx, shows that modification has been approved to borrower under loss mitigation program. Comment dated xx/xx/xxxx, shows that unpaid principal balance is $426,980.51, current interest rate is 5.000%, with P&I in the amount of $2,058.89 for the term of 360/480. The mod first payment date is xx. However, the same modification agreement is missing from the loan file.
The borrower is currently making as per the modification agreement made on effective date of xx.		    
xx 81608822 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located at "Massachusetts". Following are the state required state disclosures missing from the loan file.

Lead-Based Paint Disclosure
Carbon Monoxide Alarms
MA Smoke Detector Certificate		    
xx 81608822 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * Operative Index Numerical Value Unavailable based on lender docs (Lvl 2) Unable to calculate operative index value from the loan file.    
xx 70905928 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 70905928 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 70905928 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Valuation Property Active B * Property Damage (Lvl 2) According to the servicing comment date xx/xx/xxxx, the subject property is affected by flood disaster, however no evidence found for any damage of property.    
xx 70905928 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 70905928 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 70905928 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is missing from the loan file.    
xx 70905928 xx 561 561-882 xx Non-QM QC Complete South Carolina xx NPL NPL Active B * Evidence in the file shows the property was surrendered to the courts/trustee (Lvl 2) The borrower “xx. The case was discharged on xx. As per the Schedule filed on xx, the debtor intended to surrender the subject property (xx). However, as per the latest Updated Title report dated xx/xx/xxxx and tax certificate records the borrower, xx is still the owner of the subject property.    
xx 70905928 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 70905928 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The Subject property is located in the South Carolina(SC) state. The below Required State disclosures are missing from the loan files. 
1] Agent Preference Disclosure.
2] Casualty Insurance Disclosure.		    
xx 14033791 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 14033791 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 14033791 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Title Review Active B * Title Rvw shows prop. owner of record is not borr. (Lvl 2) xx    
xx 14033791 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The notice of service provider is missing from loan file.    
xx 14033791 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from loan file.    
xx 14033791 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * ROR Transaction date not consistent with Note and/or HUD (Lvl 2) The ROR transaction date is xx which is after the note date is xx.    
xx 14033791 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in NC State; however, required state disclosure is missing from loan file.
1. Credit Property Insurance Disclosure
2. Priority of Security Instrument Disclosure
3. Attorney Selection Disclosure		    
xx 50953857 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 50953857 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 50953857 xx 561 561-882 xx Non-QM QC Complete New York xx Data Edit Data Edit Active B * Foreclosure Delay or Contested (Lvl 3) Collection comment dated on xx/xx/xxxx shows that the contested matter has been litigated, and the pleading action was filed on xx/xx/xxxx. Collection comment dated xx/xx/xxxx states that the contested matter was initiated in the loan for the additional fees. However, there is no information has been found regarding that the contested matter is resolved or not.    
xx 50953857 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider disclosure is missing from the loan file.    
xx 50953857 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from the loan file.    
xx 50953857 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in New York State. The state disclosures missing from the loan file are: NY Consumer Credit Disclosure / Fair Credit Reporting Notice, NY Interest Rate Disclosure, NY Hazard Insurance  Disclosure, Tax Escrow Account Designation, Mortgage Bankers and Exempt Organizations Pre-application, Part 80 Disclosure Alternative Mortgage Transaction Disclosures, Co-Signer Notice Requirements, Default Warning Notice, Smoke Alarm Affidavit New York Real Property Escrow Account Disclosure, Sub-prime Home Loan Counseling Disclosure, Sub-prime Home Loan Tax and Insurance Payment Disclosure, Sub-prime Home Loan Disclosure, Commitment Disclosure, Lock-in Disclosure, Expiration of Lock-in or Commitment Period.    
xx 37026117 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 37026117 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 37026117 xx 561 561-882 xx Non-QM QC Complete Ohio xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 37026117 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 37026117 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
xx 37026117 xx 561 561-882 xx Non-QM QC Complete Ohio xx Legal Docs Title Issue Active B * Title issue (Lvl 3) ISAOA / It's successors and or assigns clause is missing Short form policy.    
xx 37026117 xx 561 561-882 xx Non-QM QC Complete Ohio xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) Principal forgiven amount exceeds 2% modified balance.
The loan was modified on xx between xx with the new modified unpaid principal balance $265,683.87. The amount of principal balance of $134,183.87 had been permanently forgiven which exceeds 2% of modified balance.		    
xx 37026117 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 3) xx    
xx 37026117 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in the Ohio state. The following state disclosures are missing from the loan file:
1. Equal Credit Availability Notice
2. Insurance Tying Disclosure
3. Non-Deposit Insurance Disclosure		    
xx 66164767 xx 561 561-882 xx TRID QC Complete Minnesota xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 66164767 xx 561 561-882 xx TRID QC Complete Minnesota xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Collection comments are available from xx/xx/xxxx to xx/xx/xxxx; however, we require latest 24 months collection comments. Collection comments are missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 66164767 xx 561 561-882 xx TRID QC Complete Minnesota xx NPL NPL Active B * Payment History is not Complete (Lvl 3) Payment history is available in the loan file from xx/xx/xxxx to xx/xx/xxxx; however, we require latest 12 months payment history. Payment history is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 66164767 xx 561 561-882 xx TRID QC Complete Minnesota xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 3) This is USDA loan. MI Cert is missing from the loan file.    
xx 66164767 xx 561 561-882 xx TRID QC Complete Minnesota xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) This loan failed the qualified mortgage DTI threshold test. The loan is USDA credit qualifying purchase transaction. This loan has a qualified mortgage DTI of 44.62%. A qualified mortgage is a covered transaction for which, among other requirements, the ratio of the consumer's total monthly debt to total monthly income at the time of consummation does not exceed 43 percent, calculated in accordance with Appendix Q. However, the AUS (located at: xx pg # xx) at the time of origination is showing recommendation as Accept/Eligible. Hence, it can be qualified under QM safe harbor. The DTI according to AUS submitted on xx/xx/xxxx is 44.62%.    
xx 66164767 xx 561 561-882 xx TRID QC Complete Minnesota xx Credit DTI Active B * Qualified Mortgage DTI Lending Policies limits the loan to 43% - This loan failed the qualified (Lvl 2) This loan failed the qualified mortgage DTI threshold test. The loan is USDA credit qualifying purchase transaction. This loan has a qualified mortgage DTI of 44.62%. A qualified mortgage is a covered transaction for which, among other requirements, the ratio of the consumer's total monthly debt to total monthly income at the time of consummation does not exceed 43 percent, calculated in accordance with Appendix Q. However, the AUS (located at: xx pg # xx) at the time of origination is showing recommendation as Accept/Eligible. Hence, it can be qualified under QM safe harbor. The DTI according to AUS submitted on xx/xx/xxxx is 44.62%.    
xx 19703311 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 19703311 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 19703311 xx 561 561-882 xx Non-QM QC Complete Alabama xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 19703311 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 19703311 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Choice of Insurer disclosure is missing from the loan file.    
xx 19703311 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final loan application is missing from the loan file.    
xx 19703311 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan file.    
xx 19703311 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 19703311 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by the borrower.    
xx 63167673 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 63167673 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 63167673 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan file.    
xx 63167673 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Other Disclosures Active B * Missing Required Disclosures (Lvl 2) List of Service Providers is missing from the loan file.    
xx 63167673 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Florida State. The following disclosures are missing from the loan file:
Anti-Coercion Notice
Title Insurance Disclosure
Radon Gas Disclosure
Insurance Sales Disclosure.		    
xx 63167673 xx 561 561-882 xx Non-QM QC Complete Florida xx Modification Doc Issue Active B * Loan appears modified. Mod missing or unexecuted (Lvl 4) This is conventional fixed rate mortgage originated on xx  with P&I of $2,187.51 and interest rate of 11.61%. The stated maturity date is xx. The P&I as per payment history is the $854.43 and rate of interest is 5.000 % which seems there is a reduction in P&I and rate of interest with respect to Note data. Hence, there would be a possible modification.  The payment history reflects the deferred balance is in the amount of $9,623.63. The comment dated xx/xx/xxxx states that the modification has been completed. According to tape data, the loan has been modified on xx  and the first payment date is xx. The borrower has been making payments as per modified terms. However, Modification agreement is missing from the loan file.    
xx 15851919 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 15851919 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 15851919 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) According to the modification agreement dated xx located at “xx”, the new principal balance is xx. The lender has forgiven principal balance in the amount of $xx which is exceeding 2% of the modified principal balance.    
xx 15851919 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal report is missing from the loan file.    
xx 15851919 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 15851919 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of service transfer is missing from the loan files.    
xx 15851919 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) Right of rescission is missing from the loan file.    
xx 15851919 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 15851919 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 15851919 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property has been located in FL. The following required disclosures are missing in the available loan files.
Title Insurance Disclosure
Radon Gas Disclosure
Insurance Sales Disclosure.		    
xx 15851919 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Credit Active B * FHA need to verify with HUD if still active (Lvl 4) This is FHA loan. The loan was originated on xx as an FHA loan with case #xx. No indication of any changes in loan type found in the loan file.    
xx 67363996 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 67363996 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 67363996 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 67363996 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 67363996 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 67363996 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) MI Certificate is missing from the loan file.    
xx 67363996 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is missing from the loan file.    
xx 67363996 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Mortgage Active B * Mortgage  (Lvl 2) Subject loan was originated under jumbo loan category.    
xx 67363996 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in CA State. The following state disclosures are missing in the loan files.

Impound Account Disclosure
Cosigner Notice
Private Mortgage Insurance Disclosure
Hazard Insurance Disclosure
Insurer Recommendation Disclosure
 Anti-Tying Disclosure
Privacy Notice
Notice of Right to Copy of Appraisal
Application for Credit-Married Persons
Fair Debt Collection Notice
Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 67363996 xx 561 561-882 xx Non-QM QC Complete California xx Credit Credit Active B * FHA need to verify with HUD if still active (Lvl 4) This is FHA loan. The loan was originated on xx as an FHA loan with case #xx. No indication of any changes in loan type found in the loan file.    
xx 9897607 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 9897607 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 9897607 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Origination appraisal report is missing in the loan files, However found the appraisal Document located at (xx) with the appraisal date of xx in the appraisal amount of xx    
xx 9897607 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The affiliated Business form is missing from the loan file.    
xx 9897607 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service providers is missing from the loan file.    
xx 9897607 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA foreclosure rescission finance charge test.
This loan failed the TILA finance charge test.		    
xx 9897607 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * GSE Points and Fees Test Violations (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.    
xx 9897607 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA Foreclosure Rescission Finance Charge Test: FAIL Loan Data $131,449.57 Comparison Data $131,509.51 Variance -$59.94
This loan failed the TILA foreclosure rescission finance charge test. The finance charge is $131,509.51. The disclosed finance charge of $131,449.57 is not considered accurate for purposes of rescission because it is understated by more than $35.		    
xx 60622165 xx 561 561-882 xx Non-QM QC Complete Illinois xx Legal Docs Doc Issue Active B * Mortgage Riders incomplete / inaccurate (Lvl 2) 1-4 Family rider is missing from the loan file.    
xx 60622165 xx 561 561-882 xx Non-QM QC Complete Illinois xx Legal Docs Doc Issue Active B * Missing required 1-4 family rider (Lvl 2) 1-4 Family rider is missing from the loan file.    
xx 60622165 xx 561 561-882 xx Non-QM QC Complete Illinois xx Valuation Valuation Active B *  Property value crammed down (Lvl 4) xx     
xx 60622165 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) According to the Updated title report dated xx/xx/xxxx, the subject mortgage is on second lien position as there is a municipal lien on the subject property in the favor of xx.    
xx 60622165 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) According to the Updated title report dated xx/xx/xxxx, there is a municipal lien on the subject property in the favor of xx. However, the subject property address is matching with the violation address given on the document.
The subject property has been located in Illinois state, which is a super lien state. There is a possibility of foreclosure due to the above lien.
These can be cured by paying off the above lien with accrued interest and late charges if any.		    
xx 60622165 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final Application/1003  is missing from the loan file.    
xx 60622165 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 60622165 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Other Disclosures Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from the loan file.    
xx 60622165 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from the loan file.    
xx 60622165 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) xx     
xx 60622165 xx 561 561-882 xx Non-QM QC Complete Illinois xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) The chain of assignment has not been completed. The latest assignment is with xx.    
xx 60622165 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) The initial escrow acct. disclosure is missing from the loan file.    
xx 64856708 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 64856708 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 64856708 xx 561 561-882 xx Non-QM QC Complete Alabama xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan file.    
xx 64856708 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Comments history are available from xx/xx/xxxx till xx/xx/xxxx. Comment history is missing from xx/xx/xxxx toxx/xx/xxxx as we required the latest 24 months comments history.    
xx 64856708 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 64856708 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) Points Test: FAIL, Loan Data: $4,020.00, Comparison Data: $3,330.00 and Variance: +$690.00.
This loan failed the points test.
The "points" (total amount of fees paid to the lender or broker) exceed 5% of the original principal balance.
This loan failed prepayment test fail.		    
xx 64856708 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 64856708 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider disclosure is missing from the loan file.    
xx 64856708 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The loan failed for state regulation for Prepayment term test and points test.    
xx 64856708 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property has been located in Alabama State. The below required State disclosure is missing from the loan file:
1. Choice of Insurer disclosure is missing from the loan file.		    
xx 64856708 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active B * GSE Points and Fees Test Violations (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.    
xx 64856708 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 2) xx    
xx 77073190 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 77073190 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 77073190 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 77073190 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The following state disclosures are missing from the loan file.
Anti-Coercion Notice, Title Insurance Disclosure, Radon Gas Disclosure, Insurance Sales Disclosure.		    
xx 77073190 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Credit Active B * FHA need to verify with HUD if still active (Lvl 4) This is FHA loan. The loan was originated on xx as an FHA loan with case #xx. No indication of any changes in loan type found in the loan file.    
xx 84624648 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 84624648 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 84624648 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Data Edit Data Edit Active B * Foreclosure Delay or Contested (Lvl 2) As per the comments dated xx/xx/xxxx, there was a contested matter identified on xx/xx/xxxx. The reason for contested is not mentioned. However, it was resolved on  xx/xx/xxxx.    
xx 84624648 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 84624648 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from the loan file.    
xx 84624648 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The required state disclosures are missing in the loan files

1.Appraisal Disclosure
2.2nd Liens = provide CT disclosure and comply with terms Mortgage Insurance Disclosure
3. Interest Rate Disclosure
4. Lock-In Agreement Disclosure
5. Payoff Statement Disclosure
6. Legal RepresentationDisclosure
7.Non-Prime HUD ContactDisclosure
8. Non-Prime Notice of LoanTerms Disclosure
9.Interim Financing Disclosure		    
xx 84624648 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the Connecticut license validation test.    
xx 84624648 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Compliance Compliance Active B * ComplianceEase Exceptions Test Failed (Lvl 2) This loan failed the Connecticut license validation test.
First mortgage lender licenses and secondary mortgage lender licenses in existence on June 30th, 2008 shall be deemed on and after July 1st, 2008, to be a mortgage lender license.
As of July 1, 2008 the Connecticut First Mortgage Lender License and the Connecticut Second Mortgage Lender License are no longer valid. The Connecticut Mortgage Lender License is available for loans with a closing date before July 1st, 2008.		    
xx 38000168 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 38000168 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 38000168 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD is not signed by the borrower.    
xx 38000168 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL missing from the loan files.    
xx 38000168 xx 561 561-882 xx Non-QM QC Complete South Carolina xx NPL General Active B * Recent Foreclosure Sale - Need Update (Lvl 4) xx    
xx 38000168 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated business disclosure is missing in the loan files.    
xx 38000168 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The following state disclosures are missing in the loan files, Agent Preference Disclosure, Casualty Insurance Disclosure, Manufactured Home Loan  Disclosures.    
xx 38000168 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service providers is missing in the loan files.    
xx 38000168 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) The loan program disclosure is missing in the loan files.    
xx 38000168 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) The ROR is missing in the loan files.    
xx 38000168 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The Service transfer disclosure is missing in the loan files.    
xx 38000168 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comments are available from xx/xx/xxxx till xx/xx/xxxx. However, we require latest 24 months servicing comments. Comments are missing from xx/xx/xxxx till xx/xx/xxxx. (for 12 months)    
xx 38000168 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA APR test.
The annual percentage rate (APR) is 7.608%. The disclosed APR of 0.000% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.
TILA APR Test: FAIL Loan Data- 0.000% Comparison data-7.608%  difference of -7.608%.
Final TIL is missing from the loan file.		    
xx 38000168 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA APR test.
TILA APR Test: FAIL Loan Data- 0.000% Comparison data-7.608%  difference of -7.608%.
Final TIL is missing from the loan file.		    
xx 38000168 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to confirm operative index value due to missing documents.    
xx 92105855 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal report is missing from the loan file.    
xx 92105855 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated Business Disclosure is missing from the loan file.    
xx 92105855 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Application Missing (Lvl 2) The final application is missing from the loan file.    
xx 92105855 xx 561 561-882 xx Non-QM QC Complete California xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) The final HUD-1 along with estimated HUD-1 and Itemization are missing from the loan file.    
xx 92105855 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) The final TIL is not hand dated by the borrower.    
xx 92105855 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Not all borrowers signed TIL (Lvl 2) The final TIL not signed by the borrower.    
xx 92105855 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) The Loan Program Disclosure is missing from the loan file.    
xx 92105855 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The loan was modified on xx. As per modified terms, lender agrees to forgive the principal in the amount of $xx which exceeds 2% of modified principal balance. The new principal balance is in the amount of $xx in which the deferred balance is $xx and interest bearing amount is $xx.    
xx 92105855 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) The operative index value unable to determine from the available loan files.    
xx 92105855 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) The Right of Rescission is missing from the loan file.    
xx 92105855 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in the California state. The following state disclosures are missing from the loan file:  1. Impound Account Disclosure 2. Cosigner Notice 3. Private Mortgage Insurance Disclosure 4. Hazard Insurance Disclosure 5. Insurer Recommendation Disclosure 6. CA Fair Lending Notice 7. Anti-Tying Disclosure 8. Privacy Notice 9. Notice of Right to Copy of Appraisal 10. Application for Credit-Married Persons 11. Fair Debt Collection Notice 12. Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application    
xx 74329141 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 74329141 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 74329141 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Legal Docs Doc Issue Active B * Amount of title insurance is less than mortgage amount (Lvl 3) According to the note available in loan file, the original balance is in the amount of xx. However, the amount insurance as per final title policy is xx which is less than the mortgage amount. Hence, it can be cured by making replacement of title policy with correct amount of insurance.    
xx 74329141 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 74329141 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal report is missing from the loan file.    
xx 74329141 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
xx 74329141 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Credit Active B * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 is missing from the loan file. However, points and fees are updated as per itemization available under doc locator (xx) to test the ComplianceEase.    
xx 74329141 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider document is missing from the loan file.    
xx 74329141 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer disclosure is missing from the loan file.    
xx 74329141 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Tennessee. The following state disclosures are missing from the loan file.
1) Placement of Insurance Disclosure
2) Availability of Title Insurance
3) TN Consent to Disclosure of Insurance Information
4) Choice of Agent/insurer
5) Insurance Solicitation/Post Commitment		    
xx 74329141 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 13339948 xx 561 561-882 xx Non-QM QC Complete Illinois xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 13339948 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 13339948 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application is missing from the loan file.    
xx 13339948 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 is missing from the loan file. The estimated HUD-1 and itemization are also not available in the loan file.    
xx 13339948 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 13339948 xx 561 561-882 xx Non-QM QC Complete Illinois xx Legal Docs Doc Issue Active B * Missing Title evidence (Lvl 4) Final TPOL is missing from the loan file. The Commitment/Preliminary Report is also not available in the loan file.    
xx 13339948 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
xx 13339948 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is missing from the loan file.    
xx 13339948 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 13339948 xx 561 561-882 xx Non-QM QC Complete Illinois xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) The appraisal report is missing from the loan file.    
xx 13339948 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The comment history is available from xx/xx/xxxx till xx/xx/xxxx; however, we require the latest 24 months of comment history. The comment history is missing from xx/xx/xxxx tillxx/xx/xxxx.    
xx 43271643 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 43271643 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 43271643 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 43271643 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is not signed by the borrowers.    
xx 43271643 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report at the time of origination is missing from the loan file.    
xx 43271643 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Property Active B * Property is Mobile Home (Lvl 2) As per the tax search report attached to the updated title report dated xx/xx/xxxx states that the property is a mobile home. Final Title Policy and Appraisal report are missing from the loan file.
The affixation affidavit has not been found in the loan file. However, as per the warranty deed dated xx.		    
xx 43271643 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final Application/1003 is missing from the loan file.    
xx 43271643 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrowers.    
xx 43271643 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Not all borrowers signed TIL (Lvl 2) Final TIL is not signed by the borrowers.    
xx 43271643 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Doc Issue Active B * Missing Title evidence (Lvl 4) Final title policy is missing from the loan file. The Commitment/Preliminary Report is also not available in the loan file.    
xx 43271643 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan file.    
xx 43271643 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of Servicing Transfer Disclosure is not signed by the borrowers.    
xx 43271643 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) Right of Rescission is missing from the loan file.    
xx 43271643 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) The chain of assignment has not been completed. The latest assignment is with xx.    
xx 43271643 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property has been located in the Florida State. The following state disclosures are missing from the loan file:
1. Title Insurance Disclosure.
2. Radon Gas Disclosure.
3. Insurance Sales Disclosure.		    
xx 43271643 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA right of rescission test.    
xx 43271643 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA right of rescission test.    
xx 14724095 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 14724095 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 14724095 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider disclosure is missing from the loan file.    
xx 14724095 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) LTV is xx  which is greater than xx hence MI certificate is required; however, it is missing from the loan file.    
xx 14724095 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of service transfer disclosure is missing from the loan file.    
xx 14724095 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Placement of Insurance Disclosure, Availability of Title Insurance, TN Consent to Disclosure of Insurance Information, Choice of Agent/insurer, Insurance Solicitation/Post Commitment are missing from loan files.    
xx 14724095 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from the loan file.    
xx 14724095 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Modification Doc Issue Active B * Loan appears modified. Mod missing or unexecuted (Lvl 4) This is a conventional fixed rate loan with a P&I of $452.60 and rate of interest 9.000% and a maturity date of xx. The P&I as per payment history is the $431.63 and rate of interest is 4.250%; which shows there is a reduction in P&I and interest rate with respect to Note data. It seems that there should be a possibility of modification. As per tape data, the loan has been modified on xx. However, the loan modification document is missing from the loan file.    
xx 14724095 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 87992151 xx 561 561-882 xx Non-QM QC Complete Oregon xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 87992151 xx 561 561-882 xx Non-QM QC Complete Oregon xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 87992151 xx 561 561-882 xx Non-QM QC Complete Oregon xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The affiliated business form disclosure is missing from the loan file.    
xx 87992151 xx 561 561-882 xx Non-QM QC Complete Oregon xx Valuation Property Active B * Property Damage (Lvl 2) The comment dated xx/xx/xxxx indicates that the interior BPO shows damages to the subject property greater than or equal to $,1000 and had been mailed the copy of BPO to xx Loss Drafts. The nature of the damage is not available. No details were found regarding the insurance claim. No BPO and inspection reports are provided. The details regarding repairs are not available.    
xx 87992151 xx 561 561-882 xx Non-QM QC Complete Oregon xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) The initial escrow account disclosure is missing from the loan file.    
xx 87992151 xx 561 561-882 xx Non-QM QC Complete Oregon xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service providers is missing from the loan file.    
xx 87992151 xx 561 561-882 xx Non-QM QC Complete Oregon xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The required State disclosures are missing from the loan file:
1. Oregon Forced Placed Insurance Notice.
2. Notice where Escrow Account is NOT Required.
3. Escrow Notice for Loans Sold to Out-of- State Purchases within one year.
4. Escrow Notice for Loans Sold to Out-of- State Purchases within one year.
5. Anti-Coercion Notice.
6. Insurance Premium Notice.
7. Insurance Sales Notice.
8. Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application.		    
xx 87992151 xx 561 561-882 xx Non-QM QC Complete Oregon xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The service transfer disclosure is missing from the loan file.    
xx 87992151 xx 561 561-882 xx Non-QM QC Complete Oregon xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA finance charge test and the TILA foreclosure rescission finance charge test.    
xx 87992151 xx 561 561-882 xx Non-QM QC Complete Oregon xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.
The finance charge is $131,604.55. The disclosed finance charge of $131,404.75 is not considered accurate because it is understated by more than $100.
TILA Finance Charge Test: FAIL, Loan Data: FAIL, $131,404.75, Comparison Data: $131,629.55 and Variance: -$224.80.

This loan failed the TILA foreclosure rescission finance charge test.
The finance charge is $131,629.55. The disclosed finance charge of $131,404.75 is not considered accurate for purposes of rescission because it is understated by more than $35.
TILA Foreclosure Rescission Finance Charge Test: FAIL, Loan Data: $131,404.75, Comparison Data: $131,629.55 and Variance: -$224.80.		    
xx 10926937 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 10926937 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 10926937 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) According to the updated title report dated xx/xx/xxxx, the xx county annual taxes have been scheduled for tax sale. The tax sale certificate has been issued which was recorded on xx. No information regarding the redemption of the said tax sale certificate has been found. If these taxes are not redeemed within allotted time then there could be a risk of subject property to be getting foreclosed. This can be cured by redemption of tax certificate.    
xx 10926937 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase risk indicator shows moderate due to TILA Finance Charge Test, TILA APR Test failed.    
xx 10926937 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider document is missing from the loan file.    
xx 10926937 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) MI certificate is missing from the loan file.    
xx 10926937 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 10926937 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer disclosure is missing from the loan file.    
xx 10926937 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 10926937 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in state of Florida. The following state disclosures are missing from the loan file.
Anti-Coercion Notice
Title Insurance Disclosure
Radon Gas Disclosure
Insurance Sales Disclosure		    
xx 10926937 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) )
The finance charge is $117,820.52. The disclosed finance charge of $115,070.10 is not considered accurate because it is understated by more than $100.

This loan failed the TILA APR test. ( 12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4) )
The annual percentage rate (APR) is 6.469%. The disclosed APR of 6.701% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.		    
xx 10926937 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Credit Active B * FHA need to verify with HUD if still active (Lvl 4) This is FHA loan. The loan was originated on xx as an FHA loan with case #xx. No indication of any changes in loan type found in the loan file.    
xx 31847036 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 31847036 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 31847036 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 31847036 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD-1 is available in the loan file. However, it is not signed by borrower.    
xx 31847036 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) MI Certificate is missing from the loan file.    
xx 31847036 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from the loan file.    
xx 31847036 xx 561 561-882 xx Non-QM QC Complete California xx Credit Credit Active B * FHA need to verify with HUD if still active (Lvl 4) This is FHA loan. The loan was originated on xx as an FHA loan with case #xx. No indication of any changes in loan type found in the loan file.    
xx 17450466 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 17450466 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 17450466 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Property Active B * Property Damage (Lvl 2) According to the collection comment dated xx/xx/xxxx there are some damages on the subject property. As per the servicing comment dated xx/xx/xxxx, these damages are minor in the form of leakages in the bathroom. No details regarding the insurance claim and the estimated cost of repairs are available.    
xx 17450466 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit DTI Active B * DTI > 60% (Lvl 2) According to the final 1003, the total monthly income of borrower is xx and monthly expenses is $1,935.47 which the standard DTI limit of xx. hence DTI is greater than xx.    
xx 17450466 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) According to the loan modification agreement made on xx, the unpaid principal balance is xx from which lender has forgiven the amount of $xx which exceeds 2% of modification amount. Hence, the modified principal balance and interest bearing amounts are $xx.    
xx 17450466 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 17450466 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider document is missing from the loan file.    
xx 17450466 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) MI certificate is missing from the loan file.    
xx 17450466 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The Subject property is located in Florida. The following state disclosures are missing from the loan file. 
1] Anti-Coercion Notice.
2] Title Insurance Disclosure.
3] Radon Gas Disclosure.
4] Insurance Sales Disclosure.		    
xx 17450466 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Credit Active B * FHA need to verify with HUD if still active (Lvl 4) This is FHA loan. The loan was originated on xx as an FHA loan with case #xx. No indication of any changes in loan type found in the loan file.    
xx 25891502 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 25891502 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 25891502 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 25891502 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 25891502 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Legal Docs Active B * Updated title review shows IRS / vehicle / federal / personal tax liens (Lvl 2) As per the review of the updated title report dated xx/xx/xxxx, there are 4 IRS liens in the favor of xx which was recorded on different dates.    
xx 25891502 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Mortgage Active B * Mortgage  (Lvl 2) Subject loan was originated under jumbo loan category. Loan amount was xx.    
xx 25891502 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service providers is missing in the loan file.    
xx 25891502 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The required state disclosures are missing in the loan file.
1. Impound Account Disclosure.
2. Cosigner Notice.
3. Private Mortgage Insurance Disclosure.
4. Hazard Insurance Disclosure.
5. Insurer RecommendationDisclosure.
6. Anti-Tying Disclosure.
7. Privacy Notice.
8. Notice of Right to Copy of Appraisal.
9. Application for Credit-Married Persons.
10. Fair Debt Collection Notice.
11. Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application.		    
xx 25891502 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA finance charge test.    
xx 25891502 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA Finance Charge Test: FAIL Loan Data $1,283,243.97 Comparison Data $1,285,443.47 Variance -$2,199.50
This loan failed the TILA finance charge test.
The finance charge is $1,285,443.47. The disclosed finance charge of $1,283,243.97 is not considered accurate because it is
understated by more than $100.		    
xx 17009935 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 17009935 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 17009935 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated business disclosure is missing from the loan file.    
xx 17009935 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The following required disclosures are missing in the loan file.
1.  Anti-Coercion Notice.
2. Radon Gas Disclosure.
3. Insurance Sales Disclosure.		    
xx 17009935 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) The initial escrow account disclosure is missing from the loan file.    
xx 17009935 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service providers is missing from the loan file.    
xx 17009935 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The modification agreement made on xx., in which the lender has forgiven principal in the amount of $xx; however, the forgiven amount exceeds 2% of the modified principal balance.    
xx 17009935 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 17009935 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) xx    
xx 17009935 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 17009935 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to determine operative index value since supportive are missing from the loan file.    
xx 39304996 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 39304996 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 39304996 xx 561 561-882 xx Non-QM QC Complete California xx Credit DTI Active B * DTI > 60% (Lvl 2) as per the final 1003, the total monthly income of the borrower is $9,000.00 which is less than the total monthly expenses $5,943.38. Hence, DTI exceeds 60%.    
xx 39304996 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Property Active B * Property Damage (Lvl 2) Collection comment dated xx/xx/xxxx shows that the borrower was not able to make the payment on time due to damage on the property. Information regarding nature of damage, amount of damages or repairs is unavailable.    
xx 39304996 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
xx 39304996 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of Servicing transfer missing from the loan file.    
xx 39304996 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated business disclosure is missing from the loan file.    
xx 39304996 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Mortgage Active B * Mortgage  (Lvl 2) Subject loan was originated under jumbo loan category.    
xx 39304996 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The amount of principal forgiven exceeds 2% of the modification amount.
The loan has been modified once since origination. The borrower has been making the payments as per the loan modification which was made on xx.
According to the modified terms, the unpaid principal balance is $xx. The amount of $xx from unpaid principal balance is permanently forgiven by the lender and the new principal balance is $xx.		    
xx 39304996 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider document is missing from the loan file.    
xx 39304996 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * ROR Transaction date not consistent with Note and/or HUD (Lvl 2) The loan was originated on xx and ROR transaction date is xx.    
xx 39304996 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 39304996 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The property is located in state of California. The following required State Disclosures are missing from the loan file.
1. Impound Account Disclosure
2. Cosigner Notice
3. Private Mortgage Insurance Disclosure
4. Earthquake Disclosure forCondominiums
5. Hazard Insurance Disclosure
6. Insurer RecommendationDisclosure
7. CA Fair Lending Notice
8. Anti-Tying Disclosure
9. Privacy Notice
10. Notice of Right to Copy of Appraisal
11. Application for Credit-Married Persons
12. Fair Debt Collection Notice
13. Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 35022912 xx 561 561-882 xx QM-Trid QC Complete Alabama xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 35022912 xx 561 561-882 xx QM-Trid QC Complete Alabama xx Compliance Compliance Active D * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Compliance Ease risk indicator is moderate as loan is failing for Post-Consummation Revised Closing Disclosure Timing Requirements.    
xx 35022912 xx 561 561-882 xx QM-Trid QC Complete Alabama xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Following disclosure is missing from the loan file:
Choice of Insurer		    
xx 35022912 xx 561 561-882 xx QM-Trid QC Complete Alabama xx Compliance Compliance Active B * Qualified Mortgage DTI exceeds 43% (Lvl 2) Loan failed the QM DTI Threshold due to a DTI of 49.478%. Loan has been manually underwriting at Origination as the DU Recommendation (Doc locator#xx) was Approve/Eligible and that loan qualifies as QM Safe Harbor. Borrower income was $1873.36 and total monthly expenses is $926.91 file however as per the UW Approval as available in the loan file shows recommendation as Accept (Locator:xx)    
xx 35022912 xx 561 561-882 xx QM-Trid QC Complete Alabama xx Compliance Compliance Active D * ComplianceEase TILA Test Failed (Lvl 3) Loan fails for Post Close CD delivery date of xx/xx/xxxx, for correction of a clerical error, which is more than 60 days after Consummation datexx/xx/xxxx.    
xx 35022912 xx 561 561-882 xx QM-Trid QC Complete Alabama xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The loan was originated on xx/xx/xxxx and first payment was due on xx/xx/xxxx. Hence, we required collection comments from xx/xx/xxxx. The collection comments are available from xx/xx/xxxx to xx/xx/xxxx; however, collection comments are missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 35022912 xx 561 561-882 xx QM-Trid QC Complete Alabama xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 3) This is FHA loan originated on xx. MI Cert is required but MI Cert is missing from the loan file.    
xx 35022912 xx 561 561-882 xx QM-Trid QC Complete Alabama xx Credit Credit Active B * FHA need to verify with HUD if still active (Lvl 4) This is FHA loan. The loan was originated on xx as an FHA loan with case #xx. No indication of any changes in loan type found in the loan file.    
xx 70768305 xx 561 561-882 xx QM-TRID QC Complete Illinois xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 70768305 xx 561 561-882 xx QM-TRID QC Complete Illinois xx NPL General Active B * Recent Foreclosure Sale - Need Update (Lvl 2) xx    
xx 70768305 xx 561 561-882 xx QM-TRID QC Complete Illinois xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) The Affiliated Business Disclosure missing.    
xx 70768305 xx 561 561-882 xx QM-TRID QC Complete Illinois xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The comment history is available from xx/xx/xxxx toxx/xx/xxxx. We need latest 24 months history for review. The comment history is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 70768305 xx 561 561-882 xx QM-TRID QC Complete Illinois xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The payment history is available from xx/xx/xxxx toxx/xx/xxxx. We need latest 12 months history for review. The payment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 83743530 xx 561 561-882 xx QM-Trid QC Complete Alabama xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 3) Notice of Servicing Transfer disclosure is missing from the loan file.    
xx 83743530 xx 561 561-882 xx QM-Trid QC Complete Alabama xx Compliance Compliance Active D * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) The CE risk indicator is "Moderate" as this loan failed TILA Finance Charge Test, Charges That Cannot Increase Test, TILA Post-Consummation Revised Closing Disclosure Finance Charge Test, This loan failed the reimbursement amount validation test and This loan failed the closing or reimbursement date validation test.    
xx 83743530 xx 561 561-882 xx QM-Trid QC Complete Alabama xx Compliance Compliance Active B * The COC is missing (Lvl 3) The Loan Origination Fee was added to final LE dated xx/xx/xxxx in Section A. The valid COC for the same is missing from the loan file.    
xx 83743530 xx 561 561-882 xx QM-Trid QC Complete Alabama xx Compliance Compliance Active D * ComplianceEase TRID Tolerance Test Failed (Lvl 3) The Loan Origination Fee was added to the final/revised LE dated xx/xx/xxxx in Section A. The valid COC for the same is missing in the loan file.

Charges That Cannot Increase Test: FAIL  Charged: $766.00   Allowed: $0.00   Variance: +$766.00		    
xx 83743530 xx 561 561-882 xx QM-Trid QC Complete Alabama xx Compliance Compliance Active D * ComplianceEase Exceptions Test Failed (Lvl 3) This loan failed the reimbursement amount validation test and the closing or reimbursement date validation test.    
xx 83743530 xx 561 561-882 xx QM-Trid QC Complete Alabama xx Compliance Compliance Active D * ComplianceEase TILA Test Failed (Lvl 3) This loan failed the TILA finance charge test as the finance charge is $73,115.70. The disclosed finance charge of $72,732.85 is not considered accurate because it is understated by more than $100.

TILA Finance Charge Test: FAIL   Charged: $72,732.85  Allowed: $73,115.70   Variance: -$382.85		    
xx 27132810 xx 561 561-882 xx QM-Trid QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 27132810 xx 561 561-882 xx QM-Trid QC Complete Florida xx Valuation Valuation Active B * Property Damge (Lvl 2) As per comment dated xx/xx/xxxx, the subject property was damaged due to natural disaster. As per comment dated xx/xx/xxxx, there are some damages on the roof and dry wall of subject property. As per comment dated xx/xx/xxxx, the borrower has contacted the insurer. The borrower was requested 3 months of assistance due to hurricane. The amount of damage is not available in the comments. The information about whether the damage has been repaired or not is unavailable in the comments.    
xx 27132810 xx 561 561-882 xx QM-Trid QC Complete Florida xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 27132810 xx 561 561-882 xx QM-Trid QC Complete Florida xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 27132810 xx 561 561-882 xx QM-Trid QC Complete Florida xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) Compliance Ease risk indicator is Elevated as loan is failing for Qualified Mortgage Safe Harbor Threshold.    
xx 27132810 xx 561 561-882 xx QM-Trid QC Complete Florida xx Compliance Compliance Active B * Higher Price Mortgage Loan (Lvl 2) Section 35 Loan - Missing
Higher Priced Mortgage Loan Disclosure signed by Borrower(s) or the “Right to Receive Appraisal” Disclosure as required on HPMLs.
APOR exceeded by 0.013%.
Loan is a Fixed Rate Loan: Yes
No Prepayment Penalty on the loan: Yes
Ability To Repay is Documented: Yes
Is the “Right to Receive Appraisal” Disclosure in file and signed by the Borrower(s): Yes
Taxes & Insurance are Escrowed: Yes
DTI approved on Final DU: Yes
DTI approved at: 41.84%		    
xx 27132810 xx 561 561-882 xx QM-Trid QC Complete Florida xx Legal Docs Mortgage Active B * Mortgage  (Lvl 1) The subject mortgage was originated on xx.    
xx 27132810 xx 561 561-882 xx QM-Trid QC Complete Florida xx Modification Doc Issue Active B * Loan appears modified. Mod missing or unexecuted (Lvl 4) This is conventional fixed rate mortgage with P&I of $950.46 with the rate of interest 4.875% and a maturity date of xx. The P&I as per payment history is the $943.37 and rate of interest is 4.875% however, there is a reduction in P&I with respect to note data which seems that there would be a possible modification. The rate of interest is still same 4.875%.
According to the collection comment, the property was infected by the disaster hence the payments were deferred. Further, the borrower requested loan assistance and was offered a Trial Payment Plan on xx. The borrower completed the payment plan and the modification was offered and a copy of modification was mailed to the borrower on xx. A copy of mod agreement was sent and modification document was executed on xx. The modified terms suggest the payment was changed to $943.37 with 4.875%. The borrower had given promise to pay the UPB of $178,486.82 with interest rate of 4.875% with P&I of $943.37 with fixed amortized type and it was beginning from first payment date on xx/xx/xxxx and ends with the maturity date of xx. No tape data information is provided for modified terms.		    
xx 72058984 xx 561 561-882 xx Non-QM QC Complete New Hampshire xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 72058984 xx 561 561-882 xx Non-QM QC Complete New Hampshire xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 72058984 xx 561 561-882 xx Non-QM QC Complete New Hampshire xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 72058984 xx 561 561-882 xx Non-QM QC Complete New Hampshire xx Legal Docs Legal Docs Active B * Updated title review shows IRS / vehicle / federal / personal tax liens (Lvl 2) According to the updated title report dated xx/xx/xxxx, there are six IRS liens against the borrower xx which was recoded on different dates.    
xx 72058984 xx 561 561-882 xx Non-QM QC Complete New Hampshire xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from the loan file.    
xx 72058984 xx 561 561-882 xx Non-QM QC Complete New Hampshire xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated Business disclosure is missing from the loan file.    
xx 72058984 xx 561 561-882 xx Non-QM QC Complete New Hampshire xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The collection comments are available from xx/xx/xxxx toxx/xx/xxxx, andxx/xx/xxxx toxx/xx/xxxx, and xx/xx/xxxx to xx/xx/xxxx, and xx/xx/xxxx to xx/xx/xxxx, and from xx/xx/xxxx toxx/xx/xxxx. However, we required complete 24 months of collection comments. The collection comments are missing from xx/xx/xxxx toxx/xx/xxxx, andxx/xx/xxxx toxx/xx/xxxx, and xx/xx/xxxx to xx/xx/xxxx, and from xx/xx/xxxx toxx/xx/xxxx.    
xx 72058984 xx 561 561-882 xx Non-QM QC Complete New Hampshire xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 72058984 xx 561 561-882 xx Non-QM QC Complete New Hampshire xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.
The finance charge is $395,123.24. The disclosed finance charge of $394,570.37 is not considered accurate because it is understated by more than $100.
TILA Finance Charge Test: FAIL Loan Data is: $394,570.37, Comparison Data is: $395,123.24; hence, variance is: -$552.87.

This loan failed the TILA foreclosure rescission finance charge test.
The finance charge is $395,123.24. The disclosed finance charge of $394,570.37 is not considered accurate for purposes of rescission because it is understated by more than $35.
TILA Foreclosure Rescission Finance Charge Test: Loan Data is: $394,570.37, Comparison Data is: $395,123.24; hence, variance is: -$552.87.		    
xx 72058984 xx 561 561-882 xx Non-QM QC Complete New Hampshire xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) TILA Finance Charge Test: FAIL.
TILA Foreclosure Rescission Finance Charge Test: FAIL.		    
xx 66711541 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 66711541 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 66711541 xx 561 561-882 xx Non-QM QC Complete California xx Data Edit Data Edit Active B * Deceased Borrower(s) (Lvl 3) According to the death certificate located at  (“xx”)  borrower xx had deceased on  xx    
xx 66711541 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) According to the updated title report dated xx/xx/xxxx, there is an open senior mortgage on the subject property in the amount of xx.
The short form title policy at the time of origination does not show any exception for this senior mortgage. But, the final HUD-1 shows pay off to xx. No release or satisfaction agreement available which states that the said mortgage has been released or satisfied.		    
xx 66711541 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 66711541 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Appraisal Active B * Property is vacant (Lvl 3) Comment dated on xx/xx/xxxx shows that the subject property is vacant.    
xx 66711541 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD1 is not signed by the borrower.    
xx 66711541 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Following state disclosures are missing from the loan file.
Impound Account Disclosure
Cosigner Notice
Private Mortgage Insurance Disclosure
Insurer RecommendationDisclosure
Anti-Tying Disclosure
Privacy Notice
Notice of Right to Copy of Appraisal
Application for Credit-Married Persons
Fair Debt Collection Notice
Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 66711541 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider disclosure is missing from the loan file.    
xx 66711541 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from the loan file.    
xx 66711541 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 66711541 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 33203042 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 33203042 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 33203042 xx 561 561-882 xx Non-QM QC Complete Maryland xx Valuation Property Active B * Property Damage (Lvl 2) According to the BPO report dated xx/xx/xxxx, the subject property requires interior paint in the amount of $2700. The total estimated repairs are $2700. As is value is $230,000 and the repaired value is $232,700. The subject property is owner-occupied and average in condition. The collection comments do not reflect the damage or repairs to the subject property.    
xx 33203042 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) xx    
xx 33203042 xx 561 561-882 xx Non-QM QC Complete Maryland xx Legal Docs Mortgage Active B * Mortgage  (Lvl 2) Subject loan was originated under jumbo loan category.    
xx 33203042 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The affiliated business form disclosure is missing from the loan file.    
xx 33203042 xx 561 561-882 xx Non-QM QC Complete Maryland xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) The chain of assignment has been completed. However, there is a break in the assignment from xx.    
xx 33203042 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The notice of servicing transfer disclosure is missing from the loan file.    
xx 33203042 xx 561 561-882 xx Non-QM QC Complete Maryland xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 33203042 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 33203042 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Maryland State. The following required state disclosures are missing from the loan file.
1.Affidavit of Consideration
2.Affidavit of Disbursement
3.First Time Buyers Affidavit
4.Notice of Right to Select Attorney, Title Insurance Company and Settlement Agent Disclosure
5.Balloon Payment
6.No Escrow Account
7.Mandatory Binding Arbitration Disclosures
8.Home Buyer Education and Counseling Disclosure		    
xx 33203042 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the prepayment term test.
The loan has a prepayment term that does not conform to the requirements for the lender's license type in the state where the property is located. The subject property is located in the Maryland state.		    
xx 33203042 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the prepayment term test.
The loan has a prepayment term that does not conform to the requirements for the lender's license type in the state where the property is located.The subject property is located in the Maryland state.
The loan data is 36Months and comparison data is 0Months; hence, the variance is 36 Months.		    
xx 33203042 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to determine the operative index value since supportive documents are missing from the loan file.    
xx 97293920 xx 561 561-882 xx Non-QM QC Complete Nevada xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 97293920 xx 561 561-882 xx Non-QM QC Complete Nevada xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 97293920 xx 561 561-882 xx Non-QM QC Complete Nevada xx Credit Credit Active B * Foreclosure case has been dismissed (Lvl 3) xx    
xx 97293920 xx 561 561-882 xx Non-QM QC Complete Nevada xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated business disclosure is missing from the loan files.    
xx 97293920 xx 561 561-882 xx Non-QM QC Complete Nevada xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider disclosure is missing from the loan files.    
xx 97293920 xx 561 561-882 xx Non-QM QC Complete Nevada xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) The ROR is not hand dated by the borrower.    
xx 97293920 xx 561 561-882 xx Non-QM QC Complete Nevada xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comments are available from xx/xx/xxxx toxx/xx/xxxx; however, we require latest 24 months complete comment history. the comments are missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 97293920 xx 561 561-882 xx Non-QM QC Complete Nevada xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in NV State; however, the required state disclosure "Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application" is missing from the loan files.    
xx 50733491 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 50733491 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 50733491 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Data Edit Data Edit Active B * Excessive Property Damage Noted (Lvl 4) According to latest exterior BPO report (Doc locator#xx) dated xx/xx/xxxx, subject property has damage. The nature of damage is siding damage and roof replacement in the total amount of $27000.00 in which siding repair is in the amount of $15000.00 and roof replacement is in the amount of $12,000.00. However, latest servicing comment does not show that damage repair has been completed. Also, no claim information has been found in the servicing comment.    
xx 50733491 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application is missing from the loan file.    
xx 50733491 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Credit Active B * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 is available in the loan file. However, some points & fees value is hand written.    
xx 50733491 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is available in the loan file. However, it is not hand dated by borrower.    
xx 50733491 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider is missing from the loan file.    
xx 50733491 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by borrower.    
xx 50733491 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Subject property is located at MA State.
Following State disclosures are missing from the loan file. :-
1) Mortgage Loan Application Disclosure.
2) Carbon Monoxide Alarms.
3)  MA Smoke Detector Certificate
4)  Notice of the Specific Reason for Denial of Credit.
5)  Demonstration and Documentation of Compliance with Borrowers Interest Requirement.		    
xx 89836764 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 89836764 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 89836764 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) CE Risk indicator is "Moderate" as this loan failed TILA Finance Charge Test.
TILA Finance Charge Test: FAIL loan data: $217,628.09 comparison data: $217,763.09 variance:  -$135.00		    
xx 89836764 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service provider disclosure is missing from the loan file.    
xx 89836764 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated Business Disclosure is missing from the loan file.    
xx 89836764 xx 561 561-882 xx Non-QM QC Complete Maryland xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 89836764 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comments are available from xx/xx/xxxx toxx/xx/xxxx and from xx/xx/xxxx toxx/xx/xxxx; however we require latest 24 months complete comment history. The comment are missing from xx/xx/xxxx toxx/xx/xxxx and from xx/xx/xxxx toxx/xx/xxxx.    
xx 89836764 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Maryland State. The following required state disclosures are missing from the loan file.
1. Affidavit of Consideration
2. Affidavit of Disbursement
3. First Time Buyers Affidavit
4. Notice of Right to Select Attorney, Title Insurance Company and Settlement Agent Disclosure
5. Balloon Payment
6. No Escrow Account
7. Mandatory Binding Arbitration Disclosures
8. Home Buyer Education and Counseling Disclosure		    
xx 89836764 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) )
The finance charge is $217,763.09. The disclosed finance charge of $217,628.09 is not considered accurate because it is understated by more than $100.
TILA Finance Charge Test: FAIL loan data: $217,628.09 comparison data: $217,763.09 variance:  -$135.00		    
xx 42155093 xx 561 561-882 xx Non-QM QC Complete Arizona xx NPL NPL Active B * Evidence in the file shows the property was surrendered to the courts/trustee (Lvl 2) As per the comment dated xx/xx/xxxx, the borrower intended to surrender the property through BK. As per the chapter xx plan and Motion for Relief from Stay document, the borrower was supposed to surrender the property. However, the updated title report dated xx/xx/xxxx, shows that the current owner is "Deed and Note xx.    
xx 42155093 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Title Review Active B * Title Rvw shows prop. owner of record is not borr. (Lvl 2) xx    
xx 42155093 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) The Operative Index Value at the time of origination is missing from the loan file.    
xx 42155093 xx 561 561-882 xx Non-QM QC Complete Arizona xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 68220840 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 68220840 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 68220840 xx 561 561-882 xx Non-QM QC Complete Washington xx Legal Docs Title Issue Active B * Title issue (Lvl 3) xx    
xx 68220840 xx 561 561-882 xx Non-QM QC Complete Washington xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal is missing from the loan file.    
xx 68220840 xx 561 561-882 xx Non-QM QC Complete Washington xx Legal Docs Legal Docs Active B * Updated title review shows IRS / vehicle / federal / personal tax liens (Lvl 2) As per the updated title report, there are two active IRS liens against the borrower xx respectively.    
xx 68220840 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application is not signed by the borrower. The details are hand written.    
xx 68220840 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Doc Issue Active B * Application Not Signed by All Borrowers (Lvl 2) Final application is not signed by the borrower. The details are hand written.    
xx 68220840 xx 561 561-882 xx Non-QM QC Complete Washington xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD-1 is not signed by borrower.    
xx 68220840 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is missing from the loan file.    
xx 68220840 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index numerical value is unavailable as the supportive documents such as Loan program disclosure/Rate lock agreement/Closing instruction are missing from the loan file.    
xx 68220840 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 68220840 xx 561 561-882 xx Non-QM QC Complete Washington xx Legal Docs Mortgage Active B * Mortgage  (Lvl 2) Subject loan was originated under jumbo loan category.    
xx 68220840 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The affiliated business form disclosure is missing from the loan file.    
xx 68220840 xx 561 561-882 xx Non-QM QC Complete Washington xx NPL General Active B * Describe the BK payment plan (Lvl 3) xx    
xx 68220840 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The following state disclosures are missing from the loan file.
Construction Lien Disclosure, Mortgage Loan Servicing Disclosure, Choice of Insurance Notice, Purchase Money Residential Mortgage Loan Closing Valuation Disclosure, Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application.		    
xx 68220840 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Other Disclosures Active B * Missing Required Disclosures (Lvl 2) The list of service providers disclosure is missing from the loan file.    
xx 68220840 xx 561 561-882 xx Non-QM QC Complete Washington xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 29802604 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 29802604 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 29802604 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business from is missing from the loan file.    
xx 29802604 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal Report is missing from the loan file.    
xx 29802604 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 29802604 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 / loan application is missing from the loan files.    
xx 29802604 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 29802604 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan.    
xx 29802604 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) It is unable to confirm the operative index value for origination from the supporting documents.    
xx 29802604 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan Program Disclosure is missing from the loan file.    
xx 29802604 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) Right of Rescission Document is missing from the loan file.    
xx 29802604 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing Transfer Disclosure is missing from the loan file.    
xx 29802604 xx 561 561-882 xx Non-QM QC Complete California xx Credit Credit Active B * Foreclosure case has been dismissed (Lvl 2) xx    
xx 29802604 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The List of service providers disclosure is missing from the loan file.    
xx 29802604 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA APR test : Loan Data 0.000% Comparison Data 4.037% Variance -4.037%.    
xx 29802604 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA APR test.    
xx 52385404 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from loan file.    
xx 52385404 xx 561 561-882 xx Non-QM QC Complete Georgia xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report at the origination is missing from loan file.    
xx 52385404 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Collection comments are available from xx/xx/xxxx toxx/xx/xxxx; however, we require latest 24 months collection comments. Collection comments are missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 52385404 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application is missing from the loan file.    
xx 52385404 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 52385404 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from loan file.    
xx 52385404 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) MI certificate is missing from the loan file.    
xx 52385404 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of Servicing transfer is missing from loan file.    
xx 52385404 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Title Review Active B * Title Rvw shows prop. owner of record is not borr. (Lvl 2) xx    
xx 52385404 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Georgia state. The state disclosures missing from the loan file are:
1. Waiver of Borrowers Rightsand Closing Attorney Affidavit (not required by law but provided as a matter of custom)
2. Disclosure of Additional Fees		    
xx 73731826 xx 561 561-882 xx Non-QM QC Complete Arkansas xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 73731826 xx 561 561-882 xx Non-QM QC Complete Arkansas xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 73731826 xx 561 561-882 xx Non-QM QC Complete Arkansas xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is incomplete as the 2nd page of TIL is incomplete.    
xx 73731826 xx 561 561-882 xx Non-QM QC Complete Arkansas xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
xx 73731826 xx 561 561-882 xx Non-QM QC Complete Arkansas xx Credit Other Disclosures Active B * Missing Required Disclosures (Lvl 2) List of service provider is missing from the loan file.    
xx 73731826 xx 561 561-882 xx Non-QM QC Complete Arkansas xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated Business disclosure is missing from the loan file.    
xx 24397318 xx 561 561-882 xx Non-QM QC Complete Nevada xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 24397318 xx 561 561-882 xx Non-QM QC Complete Nevada xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 24397318 xx 561 561-882 xx Non-QM QC Complete Nevada xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Form is missing from the loan file.    
xx 24397318 xx 561 561-882 xx Non-QM QC Complete Nevada xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 24397318 xx 561 561-882 xx Non-QM QC Complete Nevada xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 is not signed by the borrower.    
xx 24397318 xx 561 561-882 xx Non-QM QC Complete Nevada xx Credit Doc Issue Active B * Application Not Signed by All Borrowers (Lvl 2) Final 1003 is not signed by the borrower.    
xx 24397318 xx 561 561-882 xx Non-QM QC Complete Nevada xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD-1 is not signed by all borrower.    
xx 24397318 xx 561 561-882 xx Non-QM QC Complete Nevada xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Acct Disclosure is missing from the loan file.    
xx 24397318 xx 561 561-882 xx Non-QM QC Complete Nevada xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Services Providers is missing from the loan file.    
xx 24397318 xx 561 561-882 xx Non-QM QC Complete Nevada xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) MI Certificate is missing from the loan file.    
xx 24397318 xx 561 561-882 xx Non-QM QC Complete Nevada xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer Disclosure is missing from the loan file.    
xx 24397318 xx 561 561-882 xx Non-QM QC Complete Nevada xx NPL NPL Active B * POC Deadline is coming soon (Lvl 2) The borrower had filed Bankruptcy on xx. As per the POC deadlines, the event filed is on xx which was expired. The bankruptcy  was dismissed on xx. Currently the loan is performing.    
xx 24397318 xx 561 561-882 xx Non-QM QC Complete Nevada xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located at NV State. The following state disclosures are missing from the loan files
·Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application.		    
xx 34697109 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 34697109 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 34697109 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Title Review Active B * Active Judgment Against Borrower (Lvl 3) As per the review of updated title report dated xx/xx/xxxx, there is a senior civil judgment was found against the borrower in the amount of $xx which was recorded on xx    
xx 34697109 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Comment History is available from xx/xx/xxxx toxx/xx/xxxx,xx/xx/xxxx toxx/xx/xxxx and from xx/xx/xxxx tillxx/xx/xxxx. However we require latest 24 months comments history. Comments are missing from xx/xx/xxxx toxx/xx/xxxx,xx/xx/xxxx tillxx/xx/xxxx.    
xx 34697109 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Following disclosures are missing from the loan file.
VA Application Disclosure
Choice of Settlement Agent Disclosure
Disclosure of Charges For Appraisal or Valuation
Copy of Appraisal or Statement of Appraised Value
Affiliated Business Disclosure		    
xx 34697109 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider disclosure is missing from the loan file.    
xx 34697109 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) LTV is xx  which is greater than xx hence MI certificate is required; however, it is missing from the loan file.    
xx 34697109 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing in the given loan file.    
xx 32125626 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 32125626 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 32125626 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Credit Active B * Additional Address Noted (Lvl 2) According to the  note document, the subject property address is 'xx' however, updated title report dated xx/xx/xxxx is showing the address as 'xx'.    
xx 32125626 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Anti-Coercion Notice,Title Insurance Disclosure, Radon Gas Disclosure, Insurance Sales Disclosure are missing from loan files.    
xx 32125626 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by borrower.    
xx 32125626 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is required for ARM loan; however document is missing from loan file.    
xx 32125626 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index numerical value is unavailable as the supportive documents such as Loan program disclosure/Rate lock agreement/Closing instruction are missing from the loan file.    
xx 32125626 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Property Active B * Subject property is located in a FEMA designated disaster area (recent). (Lvl 2) Review of collection comment dated xx/xx/xxxx shows that the subject property is located in FEMA disaster area.    
xx 32125626 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comments are available xx/xx/xxxx to xx/xx/xxxx, xx/xx/xxxx to xx/xx/xxxx and xx/xx/xxxx to xx/xx/xxxx; however we require latest 24 months complete comment history. The servicing comments are missing from xx/xx/xxxx to xx/xx/xxxx and xx/xx/xxxx to xx/xx/xxxx.    
xx 75029826 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 75029826 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 75029826 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
xx 75029826 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Not all borrowers signed TIL (Lvl 2) Final TIL is not signed by the borrower.    
xx 75029826 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The affiliated business form disclosure is missing from the loan file.    
xx 75029826 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Other Disclosures Active B * Missing Required Disclosures (Lvl 2) The list of service providers disclosure is missing from the loan file.    
xx 75029826 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in the state of FL.The following state disclosures are missing from the loan file.
1.Anti-Coercion Notice
2.Title Insurance Disclosure
3.Radon Gas Disclosure
4.Insurance Sales Disclosure.		    
xx 84088798 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 84088798 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 84088798 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Credit Active B * Foreclosure case has been dismissed (Lvl 2) xx    
xx 84088798 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Title Review Active B * Active State Tax Lien Judgement. (Lvl 2) As per the updated title report there is a State Tax lien in the amount of $5,764.26 in the favor of xx    
xx 84088798 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 2) xx    
xx 84088798 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) Right of Rescission is missing in the given loan file.    
xx 84088798 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The Notice of servicing Transfer document is missing in the given loan file.    
xx 84088798 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Required Affiliated Business disclosure document is missing in the given loan file.    
xx 84088798 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in the state of New Jersey. The following state disclosures are missing in the loan file.  1)NJ Application Disclosure 2)Delivery Fee Authorization 3)NJ Attorney Disclosure 4)Unacceptability of Insurance Notice 5)Attorney Disclosure II 6)Tax Bill Information 7)Private Well Testing 8)Lock-In Agreement 9)Commitment Disclosures 10)Choice of Insurer Disclosure 11)Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application    
xx 11228136 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 11228136 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 11228136 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase Risk is moderate due to TILA Finance Charge Test is failed.    
xx 11228136 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) ComplianceEase TILA test failed due to TILA Finance Charge Test:
TILA Finance Charge Test shows loan data $397,900.93, Comparison data $398,397.43 and variance -$496.50.
The finance charge is $398,397.43. The disclosed finance charge of $397,900.93 is not considered accurate because it is
understated by more than $100.		    
xx 11228136 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Following are the required state disclosure which are missing from the loan file;
1. Waiver of Borrowers Rightsand Closing Attorney Affidavit (not required by law but provided as a matter of custom)
2. Disclosure of Additional Fees		    
xx 11228136 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan file.    
xx 11228136 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Other Disclosures Active B * Missing Required Disclosures (Lvl 2) List of Service Providers is missing from the loan file    
xx 6694645 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 6694645 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 6694645 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Form is missing from the loan file.    
xx 6694645 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
xx 6694645 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Not all borrowers signed TIL (Lvl 2) Final TIL is not signed by the borrower.    
xx 6694645 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Provider Disclosure is missing from the loan file.    
xx 6694645 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by borrower.    
xx 6694645 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer Disclosure Document is missing from the loan file.    
xx 6694645 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 6694645 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in MD state and the required State disclosures are missing from the loan file as follow.
Affidavit of Consideration
Notice of Right to Select Attorney, Title Insurance Company and Settlement Agent Disclosure
Balloon Payment
No Escrow Account
Mandatory Binding Arbitration Disclosures		    
xx 9305314 xx 561 561-882 xx Non-QM QC Complete Nevada xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 9305314 xx 561 561-882 xx Non-QM QC Complete Nevada xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 9305314 xx 561 561-882 xx Non-QM QC Complete Nevada xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 9305314 xx 561 561-882 xx Non-QM QC Complete Nevada xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 9305314 xx 561 561-882 xx Non-QM QC Complete Nevada xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 9305314 xx 561 561-882 xx Non-QM QC Complete Nevada xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan file.    
xx 9305314 xx 561 561-882 xx Non-QM QC Complete Nevada xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 9305314 xx 561 561-882 xx Non-QM QC Complete Nevada xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing Transfer Disclosure is missing from the loan file.    
xx 9305314 xx 561 561-882 xx Non-QM QC Complete Nevada xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Nevada State. The "Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application" state disclosure is missing in the loan file.    
xx 9305314 xx 561 561-882 xx Non-QM QC Complete Nevada xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.
The finance charge is $249,753.68. The disclosed finance charge of $249,079.63 is not considered accurate because it is
understated by more than $100.
TILA Finance Charge Test: Result: FAIL Loan Data: $249,079.63 Comparison Data: $249,753.68 Variance: -$674.05.		    
xx 9305314 xx 561 561-882 xx Non-QM QC Complete Nevada xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed TILA Finance Charge Test.    
xx 71261767 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Form is missing from the loan file.    
xx 71261767 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report at the time of origination of the loan is missing from the loan file.    
xx 71261767 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final Application is missing from the loan file.    
xx 71261767 xx 561 561-882 xx Non-QM QC Complete California xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 and an estimated HUD-1/Fee itemization are not available in the loan file.    
xx 71261767 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 71261767 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Services Providers is missing from the loan file.    
xx 71261767 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 71261767 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer Disclosure is missing from the loan file.    
xx 71261767 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Mortgage Active B * Mortgage  (Lvl 2) Subject loan was originated under jumbo loan category.    
xx 71261767 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located at CA State. The following state disclosures are missing from the loan files.
1.· Impound Account Disclosure
2. ·Cosigner Notice
3. ·Private Mortgage Insurance Disclosure
4. ·Earthquake Disclosure for condominiums
5. ·Hazard Insurance Disclosure
6. ·Insurer RecommendationDisclosure
7. ·CA Fair Lending Notice
8. ·Anti-Tying Disclosure
9. ·Privacy Notice
10. ·Notice of Right to Copy of Appraisal
11. ·Application for Credit-Married Persons
12. ·Fair Debt Collection Notice
13. ·Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application.		    
xx 51393576 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 51393576 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 51393576 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 51393576 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 51393576 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Appraisal Active B * Property is vacant (Lvl 3) As per latest comment dated xx/xx/xxxx subject property is vacant.    
xx 51393576 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD-1 is available in the loan file but it is not executed by the borrowers.    
xx 51393576 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 51393576 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
xx 51393576 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index numerical value is unavailable as the supportive documents such as Loan program disclosure/Rate lock agreement/Closing instruction are missing from the loan file    
xx 51393576 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 51393576 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Mortgage Active B * Mortgage  (Lvl 2) Subject loan was originated under jumbo loan category.    
xx 51393576 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The property is located in CA state, the following required state disclosures are missing from the loan file.
1. Impound Account Disclosure
2. Cosigner Notice
3. Private Mortgage Insurance Disclosure
4. Earthquake Disclosure forCondominiums
5. Hazard Insurance Disclosure
6. Insurer RecommendationDisclosure
7. CA Fair Lending Notice
8. Anti-Tying Disclosure
9. Privacy Notice
10. Notice of Right to Copy of Appraisal
11. Application for Credit-Married Persons
12. Fair Debt Collection Notice
13. Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 45747329 xx 561 561-882 xx Non-QM QC Complete New York xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan file.    
xx 45747329 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 45747329 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final Application is missing from the loan file.    
xx 45747329 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 along with itemization and estimated HUD-1 are missing from the loan file.    
xx 45747329 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL  is missing from the loan file.    
xx 45747329 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 45747329 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Providers Disclosures is missing from the loan file.    
xx 45747329 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
xx 45747329 xx 561 561-882 xx Non-QM QC Complete New York xx Legal Docs Mortgage Active B * Mortgage  (Lvl 2) Subject loan was originated under jumbo loan category.    
xx 45747329 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The notice of servicing transfer disclosure is missing from the loan file.    
xx 45747329 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) The operative index value is unable to be determined from the available loan file.    
xx 45747329 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
xx 45747329 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) xx    
xx 45747329 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in NY state. The following state disclosures is missing from the loan file.
NY Consumer Credit Disclosure / Fair Credit Reporting Notice
NY Interest Rate Disclosure
NY Hazard Insurance  Disclosure
Tax Escrow Account Designation
Mortgage Bankers and Exempt Organizations Preapplication
Part 80 Disclosure
Alternative Mortgage Transaction Disclosures
Co-Signer Notice Requirements
Default Warning Notice
Smoke Alarm Affidavit
New York Real Property Escrow Account Disclosure
Subprime Home Loan Counseling Disclosure
Subprime Home Loan Tax and Insurance Payment Disclosure
Subprime Home Loan Disclosure
Commitment Disclosure
Lock-in Disclosure
Expiration of Lock-in or Commitment Period		    
xx 29473963 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 29473963 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 29473963 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Property Active B * Property Damage (Lvl 2) According to the collection comment dated xx/xx/xxxx borrower reveals her reason for default as her tenant is not paying the repairs eviction cost. However, it is unable to determine the amount and type of repairs occurred on the property according to the latest 24 months of collection comments. Also, there are no comments reflecting the property damage.    
xx 29473963 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 29473963 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider is missing from loan file.    
xx 29473963 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from loan file.    
xx 29473963 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer is missing from loan file.    
xx 29473963 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index value is unable to determine from the available loan file.    
xx 29473963 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated business disclosure is missing from loan file.    
xx 29473963 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by the borrower.    
xx 29473963 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Mortgage Active B * Mortgage  (Lvl 2) Subject loan was originated under jumbo loan category.    
xx 29473963 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 29473963 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 29473963 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in the state of CA .The following state disclosures are missing from the loan file.
1. Impound Account Disclosure
2.signer Notice
3.rivate Mortgage Insurance Disclosure
4.Hazard Insurance Disclosure
5.Insurer Recommendation Disclosure
6.Anti-Tying Disclosure
7.Privacy Notice
8.Notice of Right to Copy of Appraisal
9.Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application.		    
xx 20689480 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 20689480 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 20689480 xx 561 561-882 xx Non-QM QC Complete Michigan xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 20689480 xx 561 561-882 xx Non-QM QC Complete Michigan xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 20689480 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 20689480 xx 561 561-882 xx Non-QM QC Complete Michigan xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
xx 20689480 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index value is unable to calculate as supportive document is missing from the loan file.    
xx 20689480 xx 561 561-882 xx Non-QM QC Complete Michigan xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) First page of the appraisal report is missing from the loan file. However, values are updated from the document (second page of the appraisal report) available at "578363112 - MG - Valuation - APPRAISAL -  - 5302018_152622714".    
xx 20689480 xx 561 561-882 xx Non-QM QC Complete Michigan xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 20689480 xx 561 561-882 xx Non-QM QC Complete Michigan xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Michigan State. The following state disclosures are missing in the loan files.
MI Borrower's Bill of Rights
MI Consumer Caution and Homeownership Counseling Notice
Choice of Insurance Agent
List of service providers		    
xx 65002436 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 65002436 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 65002436 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 65002436 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan file.    
xx 65002436 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from the loan file.    
xx 65002436 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The Subject property is located in Massachusetts state. The below disclosures are missing from the loan file:
1] Carbon Monoxide Alarms.
2] MA Smoke Detector Certificate.		    
xx 43301977 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 43301977 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 43301977 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 43301977 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Valuation Property Active B * Property is Manufactured Housing (Lvl 2) Home is fixed to the land
According to the appraisal report dated xx, the subject property type is Manufactured Home. The legal description attached with the recorded mortgage reflects Serial #xx of the mobile home which is permanently affixed to the land and the Alta 7 endorsement was incorporated with short form title policy at origination. As per the Manufactured home rider attached to the subject deed of trust,  this mobile home is an improvement to the land and an immovable fixture considered as real estate.		    
xx 43301977 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 43301977 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The loan modification has a provision for the deferred principal reduction in the amount of $xx.
As per the loan modification agreement dated xx, the new principal balance is xx. Out of the new principal balance, the servicer has deferred the balance in the amount of $xx. This deferred balance is eligible for forgiveness only if the borrower does not default on the new payments on each of the first, second and third anniversaries of xx/xx/xxxx. The deferred amount would be forgiven in installments equal to one-third of the deferred principal reduction amount.  This forgiven amount exceeds 2.00% of the modified amount.		    
xx 43301977 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Credit Active B * FHA need to verify with HUD if still active (Lvl 4) This is FHA loan. The loan was originated on xx as an FHA loan with case #xx. No indication of any changes in loan type found in the loan file.    
xx 95336342 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Form is missing from the loan file.    
xx 95336342 xx 561 561-882 xx Non-QM QC Complete Arizona xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report at origination is missing from the loan file.    
xx 95336342 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final Application is missing from the loan file.    
xx 95336342 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 is missing from the loan file. Also the itemization or estimated HUD-1 are not available in the loan file.    
xx 95336342 xx 561 561-882 xx Non-QM QC Complete Arizona xx Valuation Property Active B * Property is Mobile Home (Lvl 2) Home is Affixed. The appraisal report at origination is missing from the loan file. The disclosure statement located at “xx". It states that the mobile home has been previously assessed or taxed in Arizona as personal property. The affidavit shows the VIN#xx. The latest tax report also shows the property type as affixed mobile home.    
xx 95336342 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Providers Disclosures is missing from the loan file.    
xx 95336342 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 95336342 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer Disclosure Document is missing from the loan file.    
xx 95336342 xx 561 561-882 xx Non-QM QC Complete Arizona xx Modification Doc Issue Active B * Loan appears modified. Mod missing or unexecuted (Lvl 4) This is conventional fixed rate mortgage with P&I of $1,365.96, interest rate of 12.857% and the maturity date is xx. However, the latest payment history reflects the P&I in the amount of $439.94 and interest rate of 3.831%. There is a reduction in P&I and rate of interest with respect to Note data which seems that there would be a possible modification. Also the tape data shows that loan was modified on an effective date of xx. The modification agreement is not available in the loan file.    
xx 98593721 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 98593721 xx 561 561-882 xx Non-QM QC Complete Virginia xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal report is missing from the loan file.    
xx 98593721 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
xx 98593721 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Good Faith Estimate missing or unexecuted (Lvl 2) Final GFE is missing from the loan file.    
xx 98593721 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final Hud-1 is missing from the loan file along with estimated Hud-1 and itemization.    
xx 98593721 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 98593721 xx 561 561-882 xx Non-QM QC Complete Virginia xx Legal Docs Doc Issue Active B * Missing Title evidence (Lvl 4) Final title policy is missing from the loan file along with title commitment and preliminary title report.    
xx 98593721 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 98593721 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Initial Good Faith Estimate is Missing (Lvl 2) Initial GFE is missing from the loan file.    
xx 98593721 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Initial Truth in Lending Disclosure is Missing (Lvl 2) Initial TIL is missing from the loan file.    
xx 98593721 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers document is missing from the loan file.    
xx 98593721 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) MI certificate is missing from the loan file.    
xx 98593721 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 98593721 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Servicing comments are available from xx/xx/xxxx toxx/xx/xxxx. We require latest 24 months servicing comments. However, servicing comments are missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 98593721 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer disclosure is missing from the loan file.    
xx 98593721 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in state of Virginia. The following state disclosures are missing from the loan file.  
Choice of Settlement Agent Disclosure
Copy of Appraisal or Statement of Appraised Value		    
xx 98593721 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Credit Active B * FHA need to verify with HUD if still active (Lvl 4) This is FHA loan. The loan was originated on xx as an FHA loan with case #xx. No indication of any changes in loan type found in the loan file.    
xx 99575338 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 99575338 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 99575338 xx 561 561-882 xx Non-QM QC Complete Georgia xx Legal Docs Legal Docs Active B * Missing De-Acceleration Letter (Lvl 3) “Review of collection comment stated that the foreclosure was initiated in xx The document (xx) reflects that foreclosure file was referred to attorney on xx/xx/xxxx.
The comment dated xx/xx/xxxx shows that the sale was scheduled on xx. The comment dated xx/xx/xxxx shows that the foreclosure file was put on hold for loss mitigation. The borrower had approved for new loan modification. The comment dated xx/xx/xxxx shows that foreclosure hold was removed from loss mitigation and also borrower is now current and due for xx/xx/xxxx. The comment dated xx/xx/xxxx shows that the FC file has been closed on xx/xx/xxxx. However, no de-acceleration letter has been found in entire loan file.”		    
xx 99575338 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Credit Active B * Foreclosure case has been dismissed (Lvl 3) xx    
xx 99575338 xx 561 561-882 xx Non-QM QC Complete Georgia xx NPL NPL Active B * Payment History is not Complete (Lvl 3) “The latest payment history is available from xx/xx/xxxx to xx/xx/xxxx. However, we required complete 12 months payment history; the payment history is missing from xx/xx/xxxx to xx/xx/xxxx.”    
xx 99575338 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 is missing from loan file.    
xx 99575338 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated Business Disclosure is missing from the loan file.    
xx 99575338 xx 561 561-882 xx Non-QM QC Complete Georgia xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 99575338 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 56140850 xx 561 561-882 xx Non-QM QC Complete Virginia xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal report is missing from the loan file.    
xx 56140850 xx 561 561-882 xx Non-QM QC Complete Virginia xx Valuation Property Active B * Property Damage (Lvl 2) As per the collection comment dated xx/xx/xxxx, there was a leakage in the roof of the subject property. The amount and nature of damage is not available. No comments indicating the insurance claim has been filed by the borrower. The BPO report dated xx/xx/xxxx doesn’t reflect damages or repairs to the property. The subject property is in average condition.    
xx 56140850 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Good Faith Estimate missing or unexecuted (Lvl 2) Final GFE is missing from the loan file.    
xx 56140850 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 along with estimated HUD and itemization are missing from the loan file.    
xx 56140850 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final loan application is missing from the loan file.    
xx 56140850 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 56140850 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Initial Good Faith Estimate is Missing (Lvl 2) Initial GFE is missing in the loan files.    
xx 56140850 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Initial Truth in Lending Disclosure is Missing (Lvl 2) Initial TIL is missing from the loan file.    
xx 56140850 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 56140850 xx 561 561-882 xx Non-QM QC Complete Virginia xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 56140850 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The affiliated business form is missing from the loan file.    
xx 56140850 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service providers is missing from the loan file.    
xx 56140850 xx 561 561-882 xx Non-QM QC Complete Virginia xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The loan has been modified once since origination. The borrower has been making the payments as per the modification which was made on xx. As per the modified terms, the new principal balance is xx. The deferred balance is $xx.  The servicer agrees to forgive the amount of $xx.
According to the payment history as of xx/xx/xxxx, the deferred balance in the amount of $xx.		    
xx 56140850 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The property is located in state of Virginia. The following required State Disclosures are missing from the loan file.
1. VA Application Disclosure
2. Choice of Settlement Agent Disclosure
3. Disclosure of Charges For Appraisal or Valuation
4. Copy of Appraisal or Statement of Appraised Value		    
xx 56140850 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The servicing transfer document is missing from the loan file.    
xx 56140850 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) This is an FHA loan. LTV at the origination was xx%. The tape data does not reflects MI required. MI certificate is missing from the loan file.    
xx 56140850 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Credit Active B * FHA need to verify with HUD if still active (Lvl 4) This is FHA loan. The loan was originated on xx as an FHA loan with case #xx. No indication of any changes in loan type found in the loan file.    
xx 45179061 xx 561 561-882 xx Non-QM QC Complete Arkansas xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report at the time of origination is missing from the loan file.    
xx 45179061 xx 561 561-882 xx Non-QM QC Complete Arkansas xx Credit Title Review Active B * Active State Tax Lien Judgement. (Lvl 2) As per the updated title report dated xx/xx/xxxx, there is state tax lien in the amount of $530.00 which was xx    
xx 45179061 xx 561 561-882 xx Non-QM QC Complete Arkansas xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Comment History is available from xx/xx/xxxx tillxx/xx/xxxx. However, we require latest 24 months comments history. Comments are missing from xx/xx/xxxx tillxx/xx/xxxx.    
xx 45179061 xx 561 561-882 xx Non-QM QC Complete Arkansas xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
xx 45179061 xx 561 561-882 xx Non-QM QC Complete Arkansas xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 is missing from the loan file. Also, there is no estimated HUD-1 or itemization available in the loan file.    
xx 45179061 xx 561 561-882 xx Non-QM QC Complete Arkansas xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing in the loan files.    
xx 45179061 xx 561 561-882 xx Non-QM QC Complete Arkansas xx Legal Docs Doc Issue Active B * Missing Title evidence (Lvl 4) Final title policy at the time of origination and Title Commitment/Preliminary are also not available in the file.    
xx 45179061 xx 561 561-882 xx Non-QM QC Complete Arkansas xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Following state disclosures are missing from the loan file.
Choice of insurance disclosure.		    
xx 45179061 xx 561 561-882 xx Non-QM QC Complete Arkansas xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing in the loan files.    
xx 45179061 xx 561 561-882 xx Non-QM QC Complete Arkansas xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) Loan is FHA and LTV is greater than xx, hence MI is required which was missing from the loan file.    
xx 45179061 xx 561 561-882 xx Non-QM QC Complete Arkansas xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of service transfer disclosure is missing from the loan file.    
xx 45179061 xx 561 561-882 xx Non-QM QC Complete Arkansas xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from the loan file.    
xx 45179061 xx 561 561-882 xx Non-QM QC Complete Arkansas xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 45179061 xx 561 561-882 xx Non-QM QC Complete Arkansas xx Modification Doc Issue Active B * The tape and file indicate the loan was modified - missing Mod (Lvl 3) The loan was originated on xx. However, loan adjustment agreement was not signed by the borrower.    
xx 45179061 xx 561 561-882 xx Non-QM QC Complete Arkansas xx Credit Credit Active B * FHA need to verify with HUD if still active (Lvl 4) This is FHA loan. The loan was originated on xx as an FHA loan with case #xx. No indication of any changes in loan type found in the loan file.    
xx 45179061 xx 561 561-882 xx Non-QM QC Complete Arkansas xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 83581671 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 83581671 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 83581671 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) According to updated title report dated xx/xx/xxxx, the chain of the assignment is incomplete as there is break in assignment from xx    
xx 83581671 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) CompianceEase Risk Indicator is Moderate due to
This loan failed the TILA foreclosure rescission finance charge test.
This loan failed the brokerage/finder fee test.		    
xx 83581671 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application is missing from the loan file.    
xx 83581671 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow acct disclosure is missing from the loan file.    
xx 83581671 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Other Disclosures Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from the loan file.    
xx 83581671 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by borrower.    
xx 83581671 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The following state disclosures are missing from the loan file.
Placement of Insurance Disclosure,
Availability of Title Insurance,
TN Consent to Disclosure of Insurance Information,
Choice of Agent/insurer,
Insurance Solicitation/Post Commitment.		    
xx 83581671 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the brokerage/finder fee test. Loan data is $3,291.40, comparison data is $2,260.09 and variance is +$1,031.31.    
xx 83581671 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA foreclosure rescission finance charge test. Loan data is $171,077.22, comparison data is $171,149.75 and variance is -$72.53.    
xx 15055617 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 15055617 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 15055617 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 15055617 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 15055617 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is missing from the loan file.    
xx 15055617 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The Subject property is located in Georgia (GA) state. The below Required State disclosure is missing from the loan file:
Disclosure of Additional Fees.		    
xx 88852788 xx 561 561-882 xx Non-QM QC Complete Alabama xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An Appraisal report is missing from the loan file.    
xx 88852788 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final Application is missing from the loan file.    
xx 88852788 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 along with Estimated HUD-1 and Itemization are missing from the loan file.    
xx 88852788 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 88852788 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 88852788 xx 561 561-882 xx Non-QM QC Complete Alabama xx Legal Docs Doc Issue Active B * Missing Title evidence (Lvl 4) The Final title policy along with Commitment or Preliminary report is missing from the loan file.    
xx 88852788 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider document is missing from the loan file.    
xx 88852788 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The notice of servicing transfer disclosure is missing from the loan file.    
xx 88852788 xx 561 561-882 xx Non-QM QC Complete Alabama xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
xx 88852788 xx 561 561-882 xx Non-QM QC Complete Alabama xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Alabama State. The Choice of Insurer disclosure is missing from the loan file.    
xx 88852788 xx 561 561-882 xx Non-QM QC Complete Alabama xx Modification Doc Issue Active B * Loan appears modified. Mod missing or unexecuted (Lvl 4) This is a conventional fixed rate mortgage with P&I of $1209.78 with the rate of interest 9.8240% and a maturity date of xx. The P&I as per payment history is in the amount of $634.39 and the rate of interest is 4.375 %; however, there is a reduction in P&I and rate of interest with respect to Note data which seems that there would be a possible modification. As per tape data, the loan has been modified on xx. The first payment was due on xx. The maturity dated xx. The borrower is making payment as per modified terms. However, the modification agreement is missing from the loan file.    
xx 38224600 xx 561 561-882 xx QM-TRID QC Complete Michigan xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) 1. CE risk indicator is "Moderate" as this loan failed the higher-priced mortgage loan test using the greater of the disclosed APR and the calculated APR. The loan is a higher-priced mortgage loan as defined in Regulation Z and the subject loan is escrowed one.
While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35. Some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is escrowed one.
 
Higher-Priced Mortgage Loan Test: FAIL      Charged: 7.192%      Allowed: 5.940%     Over by: +1.252%

2. This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. This loan does not qualify for a safe harbor. The loan has an APR of 7.192%. The APR threshold to qualify for a safe harbor is 5.940%.

FHA QM Safe Harbor Test: FAIL    Charged: 7.192%    Allowed: 6.440%    Over by: +0.752%		    
xx 38224600 xx 561 561-882 xx QM-TRID QC Complete Michigan xx Legal Docs Title Issue Active B * Title issue (Lvl 3) The "Successors and/or Assignee" clause is missing in the short form title policy.    
xx 38224600 xx 561 561-882 xx QM-TRID QC Complete Michigan xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 1) There is no MI Cert for this loan because this is an uninsurable FHA loan.    
xx 38224600 xx 561 561-882 xx QM-TRID QC Complete Michigan xx Compliance Compliance Active B * ComplianceEase Exceptions Test Failed (Lvl 2) This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rules. This loan does not qualify for a safe harbor. The loan has an APR of 7.192%. The APR threshold to qualify for a safe harbor is 5.940%.

FHA QM Safe Harbor Test: FAIL    Charged: 7.192%    Allowed: 6.440%    Over by: +0.752%		    
xx 38224600 xx 561 561-882 xx QM-TRID QC Complete Michigan xx Compliance Compliance Active B * Higher Price Mortgage Loan (Lvl 2) This loan failed the higher-priced mortgage loan test as using the greater of the disclosed APR and the calculated APR. This loan is a higher-priced mortgage loan as defined in Regulation Z and the subject loan is escrowed one.
While the higher-priced mortgage, loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35. Some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is escrowed one.
 
Higher-Priced Mortgage Loan Test: FAIL      Charged: 7.192%      Allowed: 5.940%     Over by: +1.252%		    
xx 38224600 xx 561 561-882 xx QM-TRID QC Complete Michigan xx Credit Credit Active B * FHA need to verify with HUD if still active (Lvl 4) This is FHA loan. The loan was originated on xx as an FHA loan with case #xx. No indication of any changes in loan type found in the loan file.    
xx 279128 xx 561 561-882 xx   QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) Affiliated Business Disclosure is missing from the loan file..    
xx 279128 xx 561 561-882 xx   QC Complete Florida xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) CE risk indicator is "Moderate" as this loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule as the loan is failed for QM safe Harbor threshold test as APR (6.802%) is exceeded APOR (6.130%) by 0.672%. The APR threshold is 6.130% and the subject loan is escrowed one.

Qualified Mortgage Safe Harbor Threshold: FAIL       Charged: 6.802%        Allowed: 6.130%     Over by: +0.672%		    
xx 279128 xx 561 561-882 xx   QC Complete Florida xx Compliance Compliance Active B * ComplianceEase Exceptions Test Failed (Lvl 2) Compliance fails for TRID Disclosure Dates and Personal Delivery Validation Test.    
xx 279128 xx 561 561-882 xx   QC Complete Florida xx Data Edit Data Edit Active B * Written or verbal dispute (Lvl 2) The comment dated xx/xx/xxxx states that the loan was disputed and received a notification via xx. Now, the dispute matter has been closed.    
xx 279128 xx 561 561-882 xx   QC Complete Florida xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 1) There is no MI Cert for this loan because this is an uninsurable FHA loan.    
xx 279128 xx 561 561-882 xx   QC Complete Florida xx Compliance Compliance Active B * Higher Price Mortgage Loan (Lvl 2) This loan failed the higher-priced mortgage loan test as using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z and the subject loan is escrowed one.

While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.

Higher-Priced Mortgage Loan Test: FAIL      Charged: 6.802%      Allowed: 6.130%     Over by: +0.672%		    
xx 279128 xx 561 561-882 xx   QC Complete Florida xx Credit Credit Active B * FHA need to verify with HUD if still active (Lvl 4) This is FHA loan. The loan was originated on xx as an FHA loan with case #xx. No indication of any changes in loan type found in the loan file.    
xx 85426116 xx 561 561-882 xx QM-TRID QC Complete Florida xx Compliance Compliance Active D * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Missing valid COC for a fee increase on final CD dated xx/xx/xxxx. This loan failed the charges that cannot increase test. TRID Violation due to a fee on Final CD dated xx/xx/xxxx which shows a Points - Loan Discount Fee of $618.38 while LE dated xx/xx/xxxx has a Points - Loan Discount Fee of $364.00.  This is a fee increase of $254.38 for a Non-Shoppable Fee which exceeds the 0% tolerance for Non-Shoppable Fees.

Charges That Cannot Increase Test: FAIL    Charged: $618.38    Allowed: $364.00    Over By: +$254.38		    
xx 85426116 xx 561 561-882 xx QM-TRID QC Complete Florida xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 44.920% as the Borrower's income was $6,137.02 and total expenses are in the amount of $2,882.82 per UW Transmittal (Locatorxx Initial Upload Page#5) and it states that the loan was underwritten by AUS & it's recommendation is "Approve/Eligible." That means this loan is eligible for delivery to Fannie Mae and qualifies as Safe Harbor.


Qualified Mortgage DTI Threshold Finding: YES    Charged: 44.920%    Allowed: 43.000%    Over By: +1.920%		    
xx 85426116 xx 561 561-882 xx QM-TRID QC Complete Florida xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 3) The loan is PMI. MI Certificate is missing from the loan file as the loan is conventional and LTV of the loan is exceeded xx%.    
xx 85426116 xx 561 561-882 xx QM-TRID QC Complete Florida xx Compliance Compliance Active B * ComplianceEase Exceptions Test Failed (Lvl 2) This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule as the loan is failed for QM safe Harbor threshold test as APR (6.369%) is exceeded APOR (6.080%) by 0.289%. The APR threshold is 6.080% and the subject loan is escrowed one.

Qualified Mortgage Safe Harbor Threshold: FAIL     Charged: 6.369%        Allowed: 6.080%     Over by: +0.289%		    
xx 85426116 xx 561 561-882 xx QM-TRID QC Complete Florida xx Compliance Compliance Active B * Higher Price Mortgage Loan (Lvl 2) This loan failed the higher-priced mortgage loan test as using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z and the subject loan is escrowed one.
While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.
 
Higher-Priced Mortgage Loan Test: FAIL    Charged: 6.369%      Allowed: 6.080%     Over by: +0.289%		    
xx 67525735 xx 561 561-882 xx QM-Trid QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 67525735 xx 561 561-882 xx QM-Trid QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 67525735 xx 561 561-882 xx QM-Trid QC Complete Florida xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) CE risk indicator is "Elevated as this loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule as the loan is failed for QM safe Harbor threshold test as APR (5.921%) is exceeded APOR (5.490%) by 0.431%. The APR threshold is 5.490% and the subject loan is escrowed one.

Qualified Mortgage Safe Harbor Threshold: FAIL    Charged: 5.921%        Allowed: 5.490%     Over by: +0.431%		    
xx 67525735 xx 561 561-882 xx QM-Trid QC Complete Florida xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comments are available in the loan file from xx/xx/xxxx toxx/xx/xxxx. We require latest 24 months servicing comments but servicing comments are missing from xx/xx/xxxx TOxx/xx/xxxx.    
xx 67525735 xx 561 561-882 xx QM-Trid QC Complete Florida xx Credit Title Review Active B * Title Rvw shows prop. owner of record is not borr. (Lvl 2) xx    
xx 67525735 xx 561 561-882 xx QM-Trid QC Complete Florida xx Compliance Compliance Active B * Higher Price Mortgage Loan (Lvl 2) This loan failed the higher-priced mortgage loan test as using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z and the subject loan is escrowed one.
While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.

Higher-Priced Mortgage Loan Test: FAIL     Charged: 5.921%        Allowed: 5.490%     Over by: +0.431%		    
xx 58844499 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 58844499 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 58844499 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
xx 58844499 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The comment history is incomplete. However, we require the latest 24 months of comment history. The comment history is missing from xx/xx/xxxx toxx/xx/xxxx,xx/xx/xxxx toxx/xx/xxxx, xx/xx/xxxx to xx/xx/xxxx,xx/xx/xxxx toxx/xx/xxxx,xx/xx/xxxx toxx/xx/xxxx, and from xx/xx/xxxx toxx/xx/xxxx.    
xx 58844499 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) xx     
xx 58844499 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA finance charge test.    
xx 58844499 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Credit Active B * FHA need to verify with HUD if still active (Lvl 4) This is FHA loan. The loan was originated on xx as an FHA loan with case #xx. No indication of any changes in loan type found in the loan file.    
xx 58844499 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA Finance Charge Test: FAIL Loan Data $144,080.58 Comparison Data $145,811.11 Variance -$1,730.53
This loan failed the TILA finance charge test.The finance charge is $145,811.11. The disclosed finance charge of $144,080.58 is not considered accurate because it is
understated by more than $100.		    
xx 5170859 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 5170859 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 5170859 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Providers disclosure is missing from the loan file.    
xx 5170859 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) MI certificate is missing from the loan file.    
xx 5170859 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comments are available in the loan file from xx/xx/xxxx to xx/xx/xxxx. We require latest 24 months servicing comments but servicing comments are missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 5170859 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Title Review Active B * Active State Tax Lien Judgement. (Lvl 2) There are active junior State Tax Liens available in the updated title report againstxx respectively.    
xx 5170859 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Credit Active B * FHA need to verify with HUD if still active (Lvl 4) This is FHA loan. The loan was originated on xx as an FHA loan with case #xx. No indication of any changes in loan type found in the loan file.    
xx 79630255 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 79630255 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 79630255 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated business disclosure is missing from the loan file.    
xx 79630255 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of Service Providers Disclosure is missing from the loan file.    
xx 79630255 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comments are available from xx/xx/xxxx to xx/xx/xxxx. However, we require the latest 24 months of servicing comment. The servicing comments are missing from xx/xx/xxxx to xx/xx/xxxx and from xx/xx/xxxx to xx/xx/xxxx.    
xx 79630255 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in the Tennessee state. The following state disclosures are missing from the loan file:
1.Placement of Insurance Disclosure.
2.Availability of Title Insurance.
3.TN Consent to Disclosure of Insurance Information.
4.Choice of Agent/insurer.
5.Insurance Solicitation/Post Commitment.		    
xx 79630255 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Legal Docs Title Issue Active B * Title issue (Lvl 3) xx    
xx 51974585 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 51974585 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 51974585 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
xx 51974585 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account disclosure is missing from the loan file.    
xx 51974585 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 51974585 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The comment history is incomplete. However, we require the latest 24 months comment history. The comment history is missing from xx/xx/xxxx toxx/xx/xxxx, xx/xx/xxxx to xx/xx/xxxx,xx/xx/xxxx toxx/xx/xxxx.    
xx 51974585 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The following disclosures are missing from the loan file.
1. Amortization Schedule Disclosure.
2. Credit Property Insurance Disclosure.
3. Fee Agreement.
4. Priority of Security Instrument Disclosure.
5. Attorney Selection Disclosure.		    
xx 51974585 xx 561 561-882 xx Non-QM QC Complete North Carolina xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The payment history is incomplete. However, we require the latest 12 months payment history. The payment history is missing from xx/xx/xxxx toxx/xx/xxxx,xx/xx/xxxx toxx/xx/xxxx and xx/xx/xxxx to xx/xx/xxxx.    
xx 52380999 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 52380999 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 52380999 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business form is missing from the loan file.    
xx 52380999 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Bona Fide Discount Points Test: FAIL
This loan failed the bona fide discount points test.		    
xx 52380999 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by the borrower.    
xx 52380999 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 52380999 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer document is missing from the loan file.    
xx 52380999 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The comments are available from xx/xx/xxxx to xx/xx/xxxx and xx/xx/xxxx to  xx/xx/xxxx0.As we require latest 24 months servicing comments.The comment history is missing from xx/xx/xxxx to xx/xx/xxxx and  xx/xx/xxxx to xx/xx/xxxx.    
xx 52380999 xx 561 561-882 xx Non-QM QC Complete North Carolina xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The payment history is available from xx/xx/xxxx to xx/xx/xxxx as we require latest 12 months payment history. The payment history is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 52380999 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Credit Active B * Junior lien 2 started foreclosure, needs further investigation (Lvl 3) xx    
xx 52380999 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the bona fide discount points test.
The loan is a first lien mortgage and has a principal amount that is greater than or equal to $10,000 and charges discount points that are not paid for the purpose of reducing, and do not in fact result in a bona fide reduction of the interest rate.Points are treated as paid for the purpose of reducing, and in fact result in a bona fide reduction of the interest rate, if they are marked as "Bona Fide - State.		    
xx 63569418 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report at the time of origination of the loan is missing from the loan file.    
xx 63569418 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
xx 63569418 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 and an estimated HUD-1/Fee itemization are not available in the loan file.    
xx 63569418 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 63569418 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Following are the state disclosure which are missing from the loan file:
1. Amortization Schedule Disclosure
2. Credit Property Insurance Disclosure
3. Fee Agreement
4. Priority of Security Instrument Disclosure
5. Attorney Selection Disclosure		    
xx 63569418 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider is missing from the loan file.    
xx 63569418 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from the loan file.    
xx 63569418 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 3) xx    
xx 63569418 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 94765288 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 94765288 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 94765288 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final loan application /1003 is missing from the loan file.    
xx 94765288 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account disclosure is missing from the loan file.    
xx 94765288 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider is missing from the loan file.    
xx 94765288 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) Mortgage insurance certificate is missing from the loan file.    
xx 94765288 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer is missing from the loan file.    
xx 94765288 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Initial property appraisal report is missing from the loan file.    
xx 94765288 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from the loan file.    
xx 94765288 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) Right of rescission is missing from the loan file.    
xx 94765288 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 94765288 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The following disclosures are missing from the loan file.
1. Fair Housing Notice.
2. Homeownership Protection Center Disclosures.
3. Notice of Free Choice of Agent or Insurer.		    
xx 94765288 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Credit Credit Active B * FHA need to verify with HUD if still active (Lvl 4) This is FHA loan. The loan was originated on xx as an FHA loan with case #xx. No indication of any changes in loan type found in the loan file.    
xx 94765288 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) TIL is not hand dated by all borrowers.    
xx 94765288 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 3) xx    
xx 28166352 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 28166352 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 28166352 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 4) 1. Annual Combined taxes for xx are currently delinquent in the amount of $2,362.18 which were earlier due on xx.

2. Annual Combined taxes for xx are currently delinquent in the amount of $3,227.46 which were earlier due on xx.

3. Annual Combined taxes for xx are currently delinquent in the amount of $3,489.88 which were earlier due on xx.

The cumulative outstanding delinquent taxes on the subject property xx are exceeded 7% of the loan amount.		    
xx 28166352 xx 561 561-882 xx Non-QM QC Complete Texas xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 28166352 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 28166352 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 28166352 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 28166352 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Collection comments are available from xx/xx/xxxx toxx/xx/xxxx. However; we required latest 24 months complete collection comments. The collection comments are missingxx/xx/xxxx toxx/xx/xxxx, xx/xx/xxxx toxx/xx/xxxx,xx/xx/xxxx toxx/xx/xxxx,xx/xx/xxxx toxx/xx/xxxx, xx/xx/xxxx to xx/xx/xxxx andxx/xx/xxxx toxx/xx/xxxx.    
xx 28166352 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Other Disclosures Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 28166352 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) MI certificate is missing from the loan file.    
xx 28166352 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer is missing from the loan file.    
xx 6143793 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 6143793 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 6143793 xx 561 561-882 xx Non-QM QC Complete Illinois xx Valuation Property Active B * Property Damage (Lvl 3) As per collection comment, the subject property has damage which needs to be repair. As per comment dated xx/xx/xxxx, an insurance claim check of amount $7,000.00 was received. As per comment dated xx/xx/xxxx, the basement of property was damage and 2 checks of amount $1523.44 & $4415.58 had received. No exact amount of damage and nature of damage are given in comments. Further details regarding the same are not available in the collection comments. Hence, we are unable to confirm whether the damages are repaired or not. Latest BPO report is not available to confirm whether the damages are repaired.    
xx 6143793 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Collection comments are available from xx/xx/xxxx to xx/xx/xxxx ; however, we require latest 24 months collection comments. Collection comments are missing from xx/xx/xxxx to xx/xx/xxxx, xx/xx/xxxx to xx/xx/xxxx and xx/xx/xxxx to xx/xx/xxxx.    
xx 6143793 xx 561 561-882 xx Non-QM QC Complete Illinois xx Modification Doc Issue Active B * Loan appears modified. Mod missing or unexecuted (Lvl 4) The modification document is missing from the loan file. This is a fixed rate conventional mortgage with P&I of $1829.60 along with interest rate of 9.375% till the maturity date of xx. The current P&I as per the latest payment history as of xx/xx/xxxx is $1254.63 and rate of interest is 6.00%, however, there is a reduction in rate of interest with respect to Note data which seems that there may be a possibility of  modification. The tape data indicates the latest modification was made on xx. The tape data also shows the first payment date was xx with the maturity date of xx. Mod original rate is 6.00% and mod original P&I is $1254.63. As per comment dated xx/xx/xxxx, the loan was modified on xx with unpaid principal balance of $228,025.27. The new modified P&I is $1254.63.    
xx 6143793 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 6143793 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 78578861 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 78578861 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 78578861 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Credit Active B * Additional Address Noted (Lvl 2) According to note, subject property address is "xx". However, tax assessor show as "xx". However, the both property is same.    
xx 78578861 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 78578861 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 78578861 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Other Disclosures Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan files.    
xx 78578861 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) MI Certificate is missing from the loan file.    
xx 78578861 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 79942039 xx 561 561-882 xx Non-QM QC Complete Nevada xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 79942039 xx 561 561-882 xx Non-QM QC Complete Nevada xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 79942039 xx 561 561-882 xx Non-QM QC Complete Nevada xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report at origination is missing from the loan file.    
xx 79942039 xx 561 561-882 xx Non-QM QC Complete Nevada xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) CE risk indicator is "Moderate" since this loan failed the TILA finance charge test as the finance charge is $92,440.36. The disclosed finance charge of $92,305.36 is not considered accurate because it is understated by more than $100.

TILA Finance Charge Test: FAIL    Charged: $92,305.36     Allowed: $92,440.36     Variance: -$135.00
t.		    
xx 79942039 xx 561 561-882 xx Non-QM QC Complete Nevada xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
xx 79942039 xx 561 561-882 xx Non-QM QC Complete Nevada xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) HUD-1 is not signed by all the borrowers.    
xx 79942039 xx 561 561-882 xx Non-QM QC Complete Nevada xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Providers disclosure is missing from the loan file.    
xx 79942039 xx 561 561-882 xx Non-QM QC Complete Nevada xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Subject property is located in Nevada state.
The following Disclosure is missing from the loan file:
Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 79942039 xx 561 561-882 xx Non-QM QC Complete Nevada xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 79942039 xx 561 561-882 xx Non-QM QC Complete Nevada xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) The loan is VA but MI certificate is missing from the loan file.    
xx 79942039 xx 561 561-882 xx Non-QM QC Complete Nevada xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 79942039 xx 561 561-882 xx Non-QM QC Complete Nevada xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test as the finance charge is $92,440.36. The disclosed finance charge of $92,305.36 is not considered accurate because it is understated by more than $100.

TILA Finance Charge Test: FAIL    Charged: $92,305.36     Allowed: $92,440.36     Variance: -$135.00		    
xx 48166369 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 48166369 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 48166369 xx 561 561-882 xx Non-QM QC Complete Texas xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan file.    
xx 48166369 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 48166369 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The affiliated business disclosure is missing from the loan file.    
xx 48166369 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Application Missing (Lvl 2) The final application is missing from the loan file.    
xx 48166369 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Application Not Signed by All Borrowers (Lvl 2) The final application is missing from the loan file. However, values are considered from the initial application dated xx    
xx 48166369 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider disclosure is missing from the loan file    
xx 48166369 xx 561 561-882 xx Non-QM QC Complete Texas xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The loan modification agreement was made on xx. The New Principal Balance stated in the modification is $xx and there is a Deferred principal balance of $xx  which is eligible for forgiveness over 3 years.
If the Borrower is not in default on new payments such that monthly payments are due and unpaid on the last day of any month on the first (1st), second (2nd) and third (3rd) anniversaries of xx, the Lender shall reduce the Deferred Principal Balance of Note in installments equal to one-third of the Deferred Principal balance.
The lender will forgive the amount of $xx on each succeeding year for over 3 years. In the event of a default, the total "Unpaid Amounts" will be due and payable immediately.		    
xx 48166369 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) xx     
xx 21665168 xx 561 561-882 xx QM QC Complete Washington xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 21665168 xx 561 561-882 xx QM QC Complete Washington xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 21665168 xx 561 561-882 xx QM QC Complete Washington xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 21665168 xx 561 561-882 xx QM QC Complete Washington xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 21665168 xx 561 561-882 xx QM QC Complete Washington xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) xx    
xx 21665168 xx 561 561-882 xx QM QC Complete Washington xx Credit Other Disclosures Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from the loan file.    
xx 21665168 xx 561 561-882 xx QM QC Complete Washington xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 3) This is FHA loan originated on xx MI Cert is required but missing from the loan file.    
xx 21665168 xx 561 561-882 xx QM QC Complete Washington xx Credit Credit Active B * FHA need to verify with HUD if still active (Lvl 4) This is FHA loan. The loan was originated on xx as an FHA loan with case #xx. No indication of any changes in loan type found in the loan file.    
xx 21665168 xx 561 561-882 xx QM QC Complete Washington xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) This loan has failed the Qualified Mortgage DTI Threshold Test.
Loan Data: 51.469%, Comparison Data: 43.00% and Variance: +8.469%. DU located at xx - Credit File Page# 1" shows recommendation as Approve/Eligible.

This loan failed the tax service fee test.
Loan Data: $90.00, Comparison Data: $0.00 and Variance: +$90.00

This loan failed the FHA QM safe harbor test.
Loan Data: 5.517.%, Comparison Data: 5.280% and Variance: +0.237%.		    
xx 14349932 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Collection comments are available from xx/xx/xxxx toxx/xx/xxxx,xx/xx/xxxx toxx/xx/xxxx, xx/xx/xxxx to xx/xx/xxxx,xx/xx/xxxx toxx/xx/xxxx,xx/xx/xxxx toxx/xx/xxxx and from xx/xx/xxxx tillxx/xx/xxxx. However we require latest 24 months comments. Comments are missing from xx/xx/xxxx toxx/xx/xxxx,xx/xx/xxxx toxx/xx/xxxx,xx/xx/xxxx toxx/xx/xxxx, xx/xx/xxxx to xx/xx/xxxx,xx/xx/xxxx toxx/xx/xxxx,xx/xx/xxxx toxx/xx/xxxx, and from xx/xx/xxxx tillxx/xx/xxxx.    
xx 14349932 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
xx 14349932 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 is missing from the loan file. Also, there is no estimated HUD-1 or itemization available in the loan file.    
xx 14349932 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Following state disclosures are missing from the loan file.
Anti-Coercion Notice
Title Insurance Disclosure
Radon Gas Disclosure
Insurance Sales Disclosure		    
xx 14349932 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provides is missing from the loan file.    
xx 14349932 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) Loan is FHA and LTV is greater than xx, hence MI is required which was missing from the loan file.    
xx 14349932 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is missing from the loan file.    
xx 14349932 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from the loan file.    
xx 14349932 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 14349932 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Credit Active B * FHA need to verify with HUD if still active (Lvl 4) This is FHA loan. The loan was originated on xx as an FHA loan with case #xx. No indication of any changes in loan type found in the loan file.    
xx 14349932 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Legal Docs Active B * Updated title review shows IRS / vehicle / federal / personal tax liens (Lvl 2) Updated title report dated on xx/xx/xxxx shows that there is IRS lien against borrower in the amount of xx but the SSN# mentioned on IRS document is not matches with borrower SSN#.    
xx 43110948 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 43110948 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 43110948 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application is missing from the loan file.    
xx 43110948 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan file.    
xx 43110948 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Other Disclosures Active B * Missing Required Disclosures (Lvl 2) List of service provider is missing from the loan file.    
xx 43110948 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
xx 43110948 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) MI Certificate is missing from the loan file.    
xx 43110948 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by borrower.    
xx 10445826 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 3) According to the updated title report dated xx/xx/xxxx, the combined annual taxes for the year of xx.
This can be cured by paying off the taxes with the penalty.		    
xx 10445826 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal is missing from the loan file.    
xx 10445826 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Credit Doc Issue Active B * Good Faith Estimate missing or unexecuted (Lvl 2) Final GFE is missing from the loan file.    
xx 10445826 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 along with estimated HUD and itemization are missing from the loan file.    
xx 10445826 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final loan application is missing from the loan file.    
xx 10445826 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 10445826 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Credit Doc Issue Active B * Initial Good Faith Estimate is Missing (Lvl 2) Initial GFE is missing from the loan file.    
xx 10445826 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Credit Doc Issue Active B * Initial Truth in Lending Disclosure is Missing (Lvl 2) Initial TIL is missing from the loan file.    
xx 10445826 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The collection comments are available from xx/xx/xxxx toxx/xx/xxxx, from xx/xx/xxxx toxx/xx/xxxx, from xx/xx/xxxx toxx/xx/xxxx and from xx/xx/xxxx to xx/xx/xxxx. However, we require a complete 24 months of the collection comments. The collection comments are missing from xx/xx/xxxx toxx/xx/xxxx,xx/xx/xxxx toxx/xx/xxxx, from xx/xx/xxxx toxx/xx/xxxx and from xx/xx/xxxx toxx/xx/xxxx.    
xx 10445826 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The notice of servicing transfer is missing from the loan file.    
xx 10445826 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
xx 10445826 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in OK State. The below required State disclosures missing from the loan file.
1. OK Title protection notice
2. Insurance Disclosure
3. NSF Fee Disclosure
4. Over-the-limit fees
5. Notice of Rights to Obtain a Security Freeze		    
xx 10445826 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) This is a FHA loan. LTV at the origination was xx%. The tape data does not reflect MI required. However, MI certificate is missing in the loan file.    
xx 10445826 xx 561 561-882 xx Non-QM QC Complete Oklahoma xx Credit Credit Active B * FHA need to verify with HUD if still active (Lvl 4) This is FHA loan. The loan was originated on xx as an FHA loan with case #xx. No indication of any changes in loan type found in the loan file.    
xx 68017122 xx 561 561-882 xx Non-QM QC Complete Colorado xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 68017122 xx 561 561-882 xx Non-QM QC Complete Colorado xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 68017122 xx 561 561-882 xx Non-QM QC Complete Colorado xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) Gap assignment needed for assignment of mortgage from xx.    
xx 68017122 xx 561 561-882 xx Non-QM QC Complete Colorado xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 3) MI Cert is missing from the loan file    
xx 68017122 xx 561 561-882 xx Non-QM QC Complete Colorado xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The payment history is available from xx/xx/xxxx toxx/xx/xxxx. We need latest 12 months history for review. The payment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 68017122 xx 561 561-882 xx Non-QM QC Complete Colorado xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comments are available from xx/xx/xxxx toxx/xx/xxxx. We need latest 24 months comments for review. The comments are missing from xx/xx/xxxx toxx/xx/xxxx,xx/xx/xxxx toxx/xx/xxxx, xx/xx/xxxx to xx/xx/xxxx,xx/xx/xxxx toxx/xx/xxxx and xx/xx/xxxx to xx/xx/xxxx.    
xx 68017122 xx 561 561-882 xx Non-QM QC Complete Colorado xx Credit Credit Active B * FHA need to verify with HUD if still active (Lvl 4) This is FHA loan. The loan was originated on xx as an FHA loan with case #xx. No indication of any changes in loan type found in the loan file.    
xx 55359942 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 55359942 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 55359942 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 55359942 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from loan files.    
xx 55359942 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Property Active B * Property Damage (Lvl 2) As per the inspection report dated xx/xx/xxxx located at xx” The very minor work has been needed (pg#xx). However, we are unable to determine whether the repairs have been completed or not as latest servicing comments do not provide any information regarding the damages. The subject property is with the good condition. No details have been found regarding the insurance claim.    
xx 55359942 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) The initial Disclosure is missing from the loan file.    
xx 55359942 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider document is missing from the loan file.    
xx 55359942 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The required State disclosure is missing from the below list.
1.Impound Account Disclosure
2.Cosigner Notice
3.Private Mortgage Insurance Disclosure
4.Hazard Insurance Disclosure
5.Insurer RecommendationDisclosure
6.Anti-Tying Disclosure
7.Privacy Notice
8.Notice of Right to Copy of Appraisal
9.Application for Credit-Married Persons
10.Fair Debt Collection Notice
11.Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application.		    
xx 55359942 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) The ROR is not hand dated by the borrower.    
xx 55359942 xx 561 561-882 xx Non-QM QC Complete California xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comments are available from xx/xx/xxxx to xx/xx/xxxx; however, we require the latest 24 months complete servicing comments. The servicing comments are missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 63553423 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business disclosure is missing from the loan file.    
xx 63553423 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal report is missing from the loan file.    
xx 63553423 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final Application is missing from the loan file.    
xx 63553423 xx 561 561-882 xx Non-QM QC Complete California xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 is missing from the loan file. Estimated HUD-1 or itemization of points and fees are also not available in the loan file.    
xx 63553423 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 63553423 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Providers Disclosures is missing from the loan file.    
xx 63553423 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
xx 63553423 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 63553423 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer Disclosure is missing from the loan file.    
xx 63553423 xx 561 561-882 xx Non-QM QC Complete California xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comments are available from xx/xx/xxxx toxx/xx/xxxx.However, we require the latest 24 months’ servicing comments. The servicing comments are missing in between from xx/xx/xxxx toxx/xx/xxxx,xx/xx/xxxx toxx/xx/xxxx, xx/xx/xxxx to xx/xx/xxxx andxx/xx/xxxx toxx/xx/xxxx.    
xx 63553423 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in CA state. The following state disclosure is missing from the loan file.
Impound Account Disclosure
Cosigner Notice
Private Mortgage Insurance Disclosure
Earthquake Disclosure forCondominiums
Hazard Insurance Disclosure
Insurer RecommendationDisclosure
CA Fair Lending Notice
Anti-Tying Disclosure
Privacy Notice
Notice of Right to Copy of Appraisal
Application for Credit-Married Persons
Fair Debt Collection Notice
Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 63553423 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to calculate operative index value from the loan file.    
xx 63553423 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 2) xx    
xx 42117690 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 42117690 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 42117690 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
xx 42117690 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Servicing comments are missing from xx/xx/xxxx to xx/xx/xxxx,xx/xx/xxxx toxx/xx/xxxx and from xx/xx/xxxx to xx/xx/xxxx. As we require latest 24 months servicing comments.The comments history is available from xx/xx/xxxx to xx/xx/xxxx,xx/xx/xxxx to xx/xx/xxxx,xx/xx/xxxx to xx/xx/xxxx.    
xx 42117690 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 42117690 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.
The finance charge is $370,647.95. The disclosed finance charge of $367,187.00 is not considered accurate because it is
understated by more than $100.

This loan failed the TILA APR test.
The annual percentage rate (APR) is 12.820%. The disclosed APR of 11.790% is not considered accurate because it is more
than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.		    
xx 42117690 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.
As Loan Data  $9,756.39 Comparison Data $6,818.86 Variance +$2,937.53 ,Loan Data  $9,951.39 Comparison Data $6,818.86 Variance +$3,132.53		    
xx 42117690 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) TIL is not hand dated by the borrower.    
xx 42117690 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) TILA Finance Charge Test: FAIL xx  xx -$3,460.95
This loan failed the TILA finance charge test.

TILA APR Test: FAIL 11.790% 12.820% -1.030%
This loan failed the TILA APR test.

Brokerage/Finder Fee Test: FAIL Loan Data xx  Comparison Data xxVariance +$6,628.85
This loan failed the brokerage/finder fee test.		    
xx 14217504 xx 561 561-882 xx Non-QM QC Complete Missouri xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 14217504 xx 561 561-882 xx Non-QM QC Complete Missouri xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 14217504 xx 561 561-882 xx Non-QM QC Complete Missouri xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 14217504 xx 561 561-882 xx Non-QM QC Complete Missouri xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) xx    
xx 14217504 xx 561 561-882 xx Non-QM QC Complete Missouri xx Legal Docs Doc Issue Active B * Condo / PUD rider Missing (Lvl 2) As per the appraisal report, the subject property type is PUD. However, PUD rider is missing from loan file.    
xx 14217504 xx 561 561-882 xx Non-QM QC Complete Missouri xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final loan application is missing from the loan file.    
xx 14217504 xx 561 561-882 xx Non-QM QC Complete Missouri xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by borrower.    
xx 14217504 xx 561 561-882 xx Non-QM QC Complete Missouri xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The collection comments are available from xx/xx/xxxx toxx/xx/xxxx, from xx/xx/xxxx toxx/xx/xxxx, from xx/xx/xxxx toxx/xx/xxxx. However, we require a complete 24 months of the collection comments. The collection comments are missing from xx/xx/xxxx toxx/xx/xxxx, from xx/xx/xxxx toxx/xx/xxxx and from xx/xx/xxxx toxx/xx/xxxx.    
xx 66335479 xx 561 561-882 xx Non-QM QC Complete Nevada xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 66335479 xx 561 561-882 xx Non-QM QC Complete Nevada xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 66335479 xx 561 561-882 xx Non-QM QC Complete Nevada xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application is missing from the loan file.    
xx 66335479 xx 561 561-882 xx Non-QM QC Complete Nevada xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated Business Disclosure is missing from the loan file.    
xx 66335479 xx 561 561-882 xx Non-QM QC Complete Nevada xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The ComplianceEase risk indicator is “Moderate” due to TILA finance charge test and TILA foreclosure rescission finance charge test.    
xx 66335479 xx 561 561-882 xx Non-QM QC Complete Nevada xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) The Final TIL is not had dated by the borrowers.    
xx 66335479 xx 561 561-882 xx Non-QM QC Complete Nevada xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) The Initial Escrow Account Disclosure is missing from the loan file.    
xx 66335479 xx 561 561-882 xx Non-QM QC Complete Nevada xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The List of Service Provider Disclosure is missing from the loan file.    
xx 66335479 xx 561 561-882 xx Non-QM QC Complete Nevada xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) The ROR is not hand dated by the borrowers.    
xx 66335479 xx 561 561-882 xx Non-QM QC Complete Nevada xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 66335479 xx 561 561-882 xx Non-QM QC Complete Nevada xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in the Nevada state. The “Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application” state disclosure is missing from the loan file.    
xx 66335479 xx 561 561-882 xx Non-QM QC Complete Nevada xx Valuation Appraisal Active B * Variation in Parcel number(APN#) (Lvl 2) xx    
xx 66335479 xx 561 561-882 xx Non-QM QC Complete Nevada xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA Finance Charge Test: FAIL Loan Data $343,778.38 Comparison Data $345,272.89 Variance -$1,494.51.
TILA Foreclosure Rescission Finance Charge Test: FAIL Loan Data $343,778.38 Comparison Data $345,272.89 Variance -$1,494.51.		    
xx 66335479 xx 561 561-882 xx Non-QM QC Complete Nevada xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 83107652 xx 561 561-882 xx Non-QM QC Complete Nevada xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 83107652 xx 561 561-882 xx Non-QM QC Complete Nevada xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 83107652 xx 561 561-882 xx Non-QM QC Complete Nevada xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report at origination is missing from the loan file.    
xx 83107652 xx 561 561-882 xx Non-QM QC Complete Nevada xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 83107652 xx 561 561-882 xx Non-QM QC Complete Nevada xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final Application is missing from the loan file.    
xx 83107652 xx 561 561-882 xx Non-QM QC Complete Nevada xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file    
xx 83107652 xx 561 561-882 xx Non-QM QC Complete Nevada xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of servicing providers disclosure is missing from the loan file.    
xx 83107652 xx 561 561-882 xx Non-QM QC Complete Nevada xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer disclosure is missing from the loan file.    
xx 83107652 xx 561 561-882 xx Non-QM QC Complete Nevada xx Legal Docs Note / Mod Active B * Lost Note Affidavit (Lvl 3) The “Lost Note Affidavit” is available in the loan file with the locator# xx” which is stating that the original note was destroyed or lost and there is a duplicate copy of note is also available in the loan file. The loan was modified on xx.    
xx 83107652 xx 561 561-882 xx Non-QM QC Complete Nevada xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The collection comments are available from xx/xx/xxxx toxx/xx/xxxx and from xx/xx/xxxx toxx/xx/xxxx; however we require latest 24 months complete comments history. The collection comments are missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 83107652 xx 561 561-882 xx Non-QM QC Complete Nevada xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) The Final HUD-1 is missing from the loan file. Also the estimated HUD-1 or itemization are not available in the loan file.    
xx 83107652 xx 561 561-882 xx Non-QM QC Complete Nevada xx Legal Docs Doc Issue Active B * Missing Title evidence (Lvl 4) The Final title Policy at origination is missing from the loan file. Also the commitment or preliminary policy are not available in the loan file.    
xx 83107652 xx 561 561-882 xx Non-QM QC Complete Nevada xx Credit Title Review Active B * Title Rvw shows prop. owner of record is not borr. (Lvl 2) xx    
xx 83107652 xx 561 561-882 xx Non-QM QC Complete Nevada xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in State of Nevada and the required disclosure "civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application" is missing from the loan file.    
xx 76157100 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 76157100 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 76157100 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Data Edit Data Edit Active B * Written or verbal dispute (Lvl 2) According to collection comment dated xx/xx/xxxx, the dispute was created for fees. The comments states that Lender elects xx Requests for xx. No further comments have been found.    
xx 76157100 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 3) According to updated title reportxx/xx/xxxx, the annual taxes are delinquent in the total amount of $5,738.44 they are as follows:
Annual combined taxes for xx.
Annual combined taxes for xx.
Annual combined taxes for xx.
For the above delinquent taxes, the Tax status is advertised and foreclosure warning but per Tax Collector at xx, the property will not be up for tax foreclosure at this time.		    
xx 76157100 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) ComplianceEase Risk Indicator is Elevated due to loan failed the ARM rate adjustment cap test.
The loan failed the ARM rate adjustment cap test due to one or more of the following findings:
The loan is a one or three-year adjustable rate mortgage and the initial or subsequent adjustment caps exceed 1%; or The loan is a five, seven, or ten-year adjustable rate mortgage and the initial or subsequent adjustment caps exceed 2%; or The initial adjustment period exceeds 126 months. The FHA does not offer a hybrid ARM loan program with an initial
adjustment period that exceeds 126 months.		    
xx 76157100 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) LTV is greater than xx. Hence, required MI certificate is missing from the loan file.    
xx 76157100 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index value is unable to confirm base on lender docs.    
xx 76157100 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Subject property is located in North Carolina state. Following Disclosures are missing from the loan file.
1. Amortization Schedule Disclosure
2. Credit Property Insurance Disclosure
3. Fee Agreement
4. Priority of Security Instrument Disclosure
5. Attorney Selection Disclosure		    
xx 76157100 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The affiliated business disclosure is missing from the loan file.    
xx 76157100 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) The initial escrow acct disclosure is missing from the loan file.    
xx 76157100 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider disclosure is missing from the loan file    
xx 76157100 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The loan modification agreement was made between xx with the new modified unpaid principal balance is $222,291.20. From unpaid principal, the interest bearing amount was in the amount of $157,500.00 and the deferred balance was in the amount of  $64,791.20. The deferred balance was eligible for forgiveness if borrower will not default for first, Second and Third anniversaries of xx.
The current payment history as of xx/xx/xxxx shows unpaid principal balance is in the amount of $150,916.47 and does not shows any deferred balance. That means deferred balance $64,791.20 has been forgiven. Which exceeds 2% modified balance.		    
xx 76157100 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) The loan program disclosure is missing from the loan file.    
xx 76157100 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The notice of service transfer missing from the loan file.    
xx 76157100 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Credit Active B * FHA need to verify with HUD if still active (Lvl 4) This is FHA loan. The loan was originated on xx as an FHA loan with case #xx. No indication of any changes in loan type found in the loan file.    
xx 40309640 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 40309640 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 40309640 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business disclosure is missing from the loan file.    
xx 40309640 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Doc Issue Active B * Condo / PUD rider Missing (Lvl 2) As per Appraisal the property type is PUD. But the PUD rider is missing from the loan file.    
xx 40309640 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 40309640 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) xx    
xx 40309640 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final Application is missing from the loan file    
xx 40309640 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Acct Disclosure is missing from the loan file.    
xx 40309640 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Providers Disclosures is missing from the loan file.    
xx 40309640 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 40309640 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer Disclosure Document is missing from the loan file.    
xx 40309640 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 40309640 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comments are available from xx/xx/xxxx toxx/xx/xxxx. However, we require the latest 24 months’ servicing comments. The servicing comments are missing from xx/xx/xxxx toxx/xx/xxxx,xx/xx/xxxx toxx/xx/xxxx,xx/xx/xxxx toxx/xx/xxxx , xx/xx/xxxx to xx/xx/xxxx andxx/xx/xxxx toxx/xx/xxxx.    
xx 40309640 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in FL state. The following state disclosure is missing from the loan file.
Anti-Coercion Notice
Title Insurance Disclosure
Radon Gas Disclosure
Insurance Sales Disclosure		    
xx 40309640 xx 561 561-882 xx Non-QM QC Complete Florida xx Modification Doc Issue Active B * Loan appears modified. Mod missing or unexecuted (Lvl 4) This is a conventional fixed rate mortgage with P&I of $2,578.84 with the rate of interest 6.500% and the maturity date is xx. The P&I as per payment history tape data is $2,320.97 and the rate of interest is 5.500%. However, there is an reduction in P&I and rate of interest with respect to Note data which seems that there would be a possible modification. As per tape data, the loan has been modified on xx, with the principal balance of $450,000. The loan modification document is missing from the loan file. As per the servicing comment dated on xx/xx/xxxx the modification terms including the deferred balance has been given.    
xx 40309640 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) TILA Right of Rescission Test: Result:FAIL.    
xx 40309640 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA Right of Rescission Test: Result:FAIL.
This loan failed the TILA right of rescission test.
Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) ,
transferred from 12 CFR §226.15(a)(3) )
The funding date is before the third business day following consummation.
The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the
notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last.		    
xx 56303215 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 56303215 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 56303215 xx 561 561-882 xx Non-QM QC Complete Georgia xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) According to the updated title report dated xx/xx/xxxx, there is a gap/break in the chain of assignment of mortgage; the assignment of mortgage is missing from "xx”    
xx 56303215 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Collection comments are available from xx/xx/xxxx toxx/xx/xxxx, xx/xx/xxxx to xx/xx/xxxx,xx/xx/xxxx toxx/xx/xxxx andxx/xx/xxxx toxx/xx/xxxx; however, we require latest 24 months collection comments. Collection comments are missing from xx/xx/xxxx toxx/xx/xxxx,xx/xx/xxxx to xx/xx/xxxx andxx/xx/xxxx toxx/xx/xxxx.    
xx 56303215 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider is missing from loan file.    
xx 56303215 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of Servicing transfer is missing from loan file.    
xx 56303215 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from loan file.    
xx 56303215 xx 561 561-882 xx Non-QM QC Complete Georgia xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 80999052 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 80999052 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 80999052 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 2) xx    
xx 80999052 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Collection comments are available from xx/xx/xxxx toxx/xx/xxxx. However, the collection comments are missing from xx/xx/xxxx toxx/xx/xxxx andxx/xx/xxxx toxx/xx/xxxx.  We required the latest 24 months of collection comments.    
xx 80999052 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application is missing from the loan file.    
xx 80999052 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow acct disclosure is missing from the loan file.    
xx 80999052 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from the loan file.    
xx 80999052 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Data Edit Data Edit Active B * Deceased Borrower(s) (Lvl 3) According to the updated title report dated xx/xx/xxxx, the borrower,xx was deceased on xx. However, no details regarding the death certificate or probate has been found in the collection comments.

.		    
xx 80999052 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Significant" (Lvl 2) The CE risk indicator is Significant as the loan is failing for NC Rate Spread Home Loan Test. It exceeds NC RSHL Modified HMDA APR Threshold and NC RSHL Conventional Mortgage Rate APR Threshold. 1) NC RSHL Modified HMDA APR Threshold test: -   Loan data 11.500% Comparison data 7.300% Variance +4.200% 2) NC RSHL Conventional Mortgage Rate APR Threshold test: - Loan data 11.500% Comparison data 7.630% Variance +3.870%. However affirmative claims can be made within 2 years of Origination (4 years for Ch-75) and that the Note Date isxx/xx/xxxx. SOL has been expired.    
xx 80999052 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The following disclosures are missing from the loan file,
1.Amortization Schedule Disclosure
2.Credit Property Insurance Disclosure
3.Fee Agreement
4.Priority of Security Instrument Disclosure
5.Attorney Selection Disclosure		    
xx 80999052 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * ComplianceEase State/Local Predatory Test Failed (Lvl 2) This loan is failing for NC Rate Spread Home Loan Test. It exceeds NC RSHL Modified HMDA APR Threshold and NC RSHL Conventional Mortgage Rate APR Threshold. 1) NC RSHL Modified HMDA APR Threshold test: -   Loan data 11.500% Comparison data 7.300% Variance +4.200% 2) NC RSHL Conventional Mortgage Rate APR Threshold test: - Loan data 11.500% Comparison data 7.630% Variance +3.870%. However affirmative claims can be made within 2 years of Origination (4 years for Ch-75) and that the Note Date isxx/xx/xxxx. SOL has been expired.    
xx 39764448 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 39764448 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 39764448 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business disclosure  is missing from the loan file.    
xx 39764448 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report at the origination is missing from the loan file.    
xx 39764448 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Rvw shows prop. owner of record is not borr. (Lvl 2) xx    
xx 39764448 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Collection comments are available from xx/xx/xxxx toxx/xx/xxxx,xx/xx/xxxx toxx/xx/xxxx andxx/xx/xxxx toxx/xx/xxxx; however, we require latest 24 months collection comments. Collection comments are missing from xx/xx/xxxx toxx/xx/xxxx,xx/xx/xxxx toxx/xx/xxxx andxx/xx/xxxx toxx/xx/xxxx.    
xx 39764448 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 39764448 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Disclosure is missing from the loan file.    
xx 39764448 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service providers document is missing from the loan file.    
xx 39764448 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Note / Mod Active B * Lost Note Affidavit (Lvl 3) Lost note affidavit dated xx 5 was found in the loan file located at (“xx”) as original note was misplaced, lost or destroyed. And duplicate copy of note is available in the loan file located at “xx”.    
xx 39764448 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 39764448 xx 561 561-882 xx Non-QM QC Complete Florida xx Data Edit Data Edit Active B * Deceased Borrower(s) (Lvl 3) According to the updated title report dated xx/xx/xxxx, the borrower,xx was deceased on xx. However, no details regarding the death certificate or probate has been found in the collection comments.

.		    
xx 39764448 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Florida, However, the following state disclosures are missing from the loan file.
1.Anti-Coercion Notice
2.Title Insurance Disclosure
3.Radon Gas Disclosure
4.Insurance Sales Disclosure		    
xx 36239236 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 36239236 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 36239236 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) CE risk indicator is moderate due to failure of TILA Foreclosure Rescission Finance Charge Test.    
xx 36239236 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated Business Disclosure is missing from the loan file.    
xx 36239236 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The List of Service Provider Disclosure is missing from the loan file.    
xx 36239236 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 36239236 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comments are available from xx/xx/xxxx toxx/xx/xxxx,xx/xx/xxxx toxx/xx/xxxx, xx/xx/xxxx to xx/xx/xxxx,xx/xx/xxxx toxx/xx/xxxx andxx/xx/xxxx toxx/xx/xxxx and xx/xx/xxxx toxx/xx/xxxx. However, we require the latest 24 months of servicing comment. The servicing comments are missing from xx/xx/xxxx toxx/xx/xxxx,xx/xx/xxxx to xx/xx/xxxx,xx/xx/xxxx toxx/xx/xxxx,xx/xx/xxxx toxx/xx/xxxx andxx/xx/xxxx toxx/xx/xxxx as we require the latest 24 months servicing comments.    
xx 36239236 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Florida State. The following disclosures are missing from the loan file.
1.Anti-Coercion Notice
2.Title Insurance Disclosure
3.Radon Gas Disclosure
4.Insurance Sales Disclosure		    
xx 36239236 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA Foreclosure Rescission Finance Charge Test:FAIL Loan Data : $270,685.53 Comparison Data : $270,685.53  Variance : -$100.00    
xx 75679870 xx 561 561-882 xx Non-QM QC Complete Maryland xx NPL General Active B * Water/Sewer Taxes (Lvl 4) "According to updated title report dated xx/xx/xxxx, the subject mortgage is at lower lien position due there is Muni/code lien in the favor of “xx. The lien is open against the name “xx”.  However, unable to be confirmed that the middle name of borrower. Also the property address not mentioned on the related document. As the subject property is located in MD State, there is possibility of foreclosure of the subject property due to this unpaid lien. This can be cured by paying this lien with the late fees."    
xx 75679870 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) "According to updated title report dated xx/xx/xxxx, the subject mortgage is at lower lien position due to there is active senior mortgage against the subject property in the favor of xx”, the one in amount of xx  The final title policy at the origination is missing however available commitment is shows the clear title. HUD-1 is missing from the loan file. Release/ satisfaction of mortgage document is not available in loan file. Possible the claim can be filed. It can be cured if release of mortgage is made and recorded.”    
xx 75679870 xx 561 561-882 xx Non-QM QC Complete Maryland xx Valuation Property Active B * Property Damage (Lvl 2) According to the servicing comment dated xx/xx/xxxx, the subject property was damaged due to heat wave and Electrical shortage cause fire. Further details regarding the damages are not available. However, latest BPO report is not available to verify the current condition. Hence, we are unable to confirm whether the damages are repaired or not.    
xx 75679870 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business form document is missing from the loan file.    
xx 75679870 xx 561 561-882 xx Non-QM QC Complete Maryland xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report at the time of loan origination is missing from the loan file.    
xx 75679870 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 75679870 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 is missing from the loan file. And there are no estimated HUD-1 / Itemization of fees available in file.    
xx 75679870 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final loan application / 1003 is missing from the loan file.    
xx 75679870 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 75679870 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Disclosure is missing from the loan file.    
xx 75679870 xx 561 561-882 xx Non-QM QC Complete Maryland xx Legal Docs Doc Issue Active B * Title policy missing (Lvl 3) Lender's final title policy / TPOL is missing from the loan file. However, the commitment is available located at"xx".    
xx 75679870 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service providers document is missing from the loan file.    
xx 75679870 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is required for ARM loan; however document is missing from loan file.    
xx 75679870 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index numerical value is unavailable as the supportive documents such as Loan program disclosure/Rate lock agreement/Closing instruction are missing from the loan file.    
xx 75679870 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 75679870 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing Transfer document is missing from the loan file.    
xx 75679870 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comments are available from xx/xx/xxxx to xx/xx/xxxx; however we require latest 24 months complete comment history. The servicing comments are missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 75679870 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Maryland, However, the following state disclosures are missing from the loan file.
1.Affidavit of Consideration
2.Affidavit of Disbursement
3.First Time Buyers Affidavit
4.Notice of Right to Select Attorney, Title Insurance Company and Settlement Agent Disclosure
5.Balloon Payment
6.No Escrow Account
7.Mandatory Binding Arbitration Disclosures
8.Home Buyer Education and Counseling Disclosure		    
xx 65848109 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 65848109 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 65848109 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 65848109 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) xx    
xx 65848109 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated Business Disclosure is missing from the loan file.    
xx 65848109 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The comment history is incomplete. The comment history is available from xx/xx/xxxx toxx/xx/xxxx. We require the latest 24 months comment history. It is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 65848109 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The List of Service Provider Disclosure is missing from the loan file.    
xx 65848109 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in the Tennessee state. The following state disclosures are missing from the loan file:

1.Placement of Insurance Disclosure
2.Availability of Title Insurance
3.TN Consent to Disclosure of Insurance Information
4.Choice of Agent/insurer
5.Insurance Solicitation/Post Commitment		    
xx 65848109 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Title Review Active B * Title Rvw shows prop. owner of record is not borr. (Lvl 2) xx    
xx 65848109 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the brokerage/finder fee test as loan data is $5,307.95, comparison data is $2,720.00 and the variance is +$2,587.95.
The mortgage loan charges a brokerage/finder fee that exceeds 2% of the total loan amount. Under the Tennessee Rules and Regulations, brokerage fee is synonymous with finder fee.		    
xx 65848109 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the brokerage/finder fee test.    
xx 15992986 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 15992986 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 15992986 xx 561 561-882 xx Non-QM QC Complete Texas xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 15992986 xx 561 561-882 xx Non-QM QC Complete Texas xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) As per the updated title report dated xx/xx/xxxx, the chain of assignment has not been completed. The missing assignments are with “xx”.    
xx 15992986 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Collection comments are available from xx/xx/xxxx till xx/xx/xxxx and from xx/xx/xxxx till xx/xx/xxxx; however, as we require latest 24 months collection comments. Comment history is missing in between from xx/xx/xxxx till xx/xx/xxxx.    
xx 15992986 xx 561 561-882 xx Non-QM QC Complete Texas xx Legal Docs Doc Issue Active B * Title policy missing (Lvl 3) Final title policy is missing from the loan file; however, commitment policy is available in the loan file located at "xx".    
xx 15992986 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 3) Required MI certificate is missing from the loan file.    
xx 15992986 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The affiliated business disclosure is missing from the loan file.    
xx 15992986 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider disclosure is missing from the loan file    
xx 15992986 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) xx     
xx 15992986 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Credit Active B * FHA need to verify with HUD if still active (Lvl 4) This is FHA loan. The loan was originated on xx as an FHA loan with case #xx. No indication of any changes in loan type found in the loan file.    
xx 15992986 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 3) xx    
xx 32608718 xx 561 561-882 xx Non-QM QC Complete Nevada xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 32608718 xx 561 561-882 xx Non-QM QC Complete Nevada xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 32608718 xx 561 561-882 xx Non-QM QC Complete Nevada xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 32608718 xx 561 561-882 xx Non-QM QC Complete Nevada xx Legal Docs Mortgage Active B * Mortgage  (Lvl 2) Subject loan was originated under jumbo loan category.    
xx 32608718 xx 561 561-882 xx Non-QM QC Complete Nevada xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated Business Disclosure is missing from the loan file.    
xx 32608718 xx 561 561-882 xx Non-QM QC Complete Nevada xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) The Appraisal report at the time of origination is missing from the loan file.    
xx 32608718 xx 561 561-882 xx Non-QM QC Complete Nevada xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The comment history is incomplete. The comment history is available from xx/xx/xxxx toxx/xx/xxxx. We require the latest 24 months comment history. It is missing from xx/xx/xxxx toxx/xx/xxxx, xx/xx/xxxx to xx/xx/xxxx and xx/xx/xxxx to xx/xx/xxxx.    
xx 32608718 xx 561 561-882 xx Non-QM QC Complete Nevada xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) The Final Truth In Lending Disclosure is missing from the loan file.    
xx 32608718 xx 561 561-882 xx Non-QM QC Complete Nevada xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) The Initial Escrow Account Disclosure is missing from the loan file.    
xx 32608718 xx 561 561-882 xx Non-QM QC Complete Nevada xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The List of Service Provider Disclosure is missing from the loan file.    
xx 32608718 xx 561 561-882 xx Non-QM QC Complete Nevada xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The loan modification agreement was made between borrower “xx” on xx. According to the modified terms, the lender has agreed to defer the amount of xxx, which includes principal reduction in the amount of $52,234.98 and unpaid arrears of $289,104.90. In addition to this, the lender has agreed that this deferred balance is eligible for conditional forgiven. Upon borrowers successful payment of 12 consecutive on time payments, the lender agrees to wave the deferred unpaid balance by $113,779.96, reducing the total deferred balance to $227,559.92. Upon borrowers successful payment of 24 consecutive on time payments, the lender agrees to wave the deferred unpaid balance by $113,779.96, reducing the total deferred balance to $113,779.96. Upon borrowers successful payment of 36 consecutive on time payments, the lender agrees to wave the deferred unpaid balance by $113,779.96, reducing the total deferred balance to $0.00. This principal forgiven amount exceeds 2% of modified balance.
The seller tape data for payment history as of xx/xx/xxxx still shows deferred balance in the amount of $341,339.88. Unable to determine whether the deferred balance has been for forgive or not.		    
xx 32608718 xx 561 561-882 xx Non-QM QC Complete Nevada xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 3) The MI Certificate is missing from the loan file.    
xx 32608718 xx 561 561-882 xx Non-QM QC Complete Nevada xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The Servicing Transfer Disclosure is missing from the loan file.    
xx 32608718 xx 561 561-882 xx Non-QM QC Complete Nevada xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 32608718 xx 561 561-882 xx Non-QM QC Complete Nevada xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in the Nevada state. The “Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application” state disclosure is missing from the loan file.    
xx 32608718 xx 561 561-882 xx Non-QM QC Complete Nevada xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA APR test.    
xx 32608718 xx 561 561-882 xx Non-QM QC Complete Nevada xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA APR test.
TILA APR Test: Loan Data 0.000% Comparison Data 8.027% Variance -8.027%.
The annual percentage rate (APR) is 8.027%. The disclosed APR of 0.000% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.		    
xx 28864135 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 28864135 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 28864135 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Credit Title Review Active B * Active State Tax Lien Judgement. (Lvl 3) According to the updated title report dated xx/xx/xxxx, there is active state tax lien or warrant against the subject borrower held by xx. However, amount of this lien is not specified. Final title policy at the origination does not reflect this lien is as open.    
xx 28864135 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan files.    
xx 28864135 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report at the origination is missing from the loan files.    
xx 28864135 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Collection comments are available from xx/xx/xxxx to xx/xx/xxxx; however, we require latest 24 months collection comments. Collection comments are missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 28864135 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan files.    
xx 28864135 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan files.    
xx 28864135 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan files.    
xx 28864135 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index numerical value is unavailable as the supportive documents such as Loan program disclosure/Rate lock agreement/Closing instruction are missing from the loan file.    
xx 28864135 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer disclosure is missing from the loan files.    
xx 28864135 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The ComplianceEase risk indicator is “Moderate” due to TILA APR Test.    
xx 28864135 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Kentucky. The state disclosures are missing from the loan file.
1) Fair Housing Notice
2) Homeownership Protection Center Disclosures
3) Notice of Free Choice of Agent or Insurer		    
xx 28864135 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA APR Test is fail. Loan data is 0.000% and comparison data is 11.114% . Hence the variance is -11.114% .    
xx 60024844 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 60024844 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 60024844 xx 561 561-882 xx Non-QM QC Complete North Carolina xx NPL NPL Active B * Payment History is not Complete (Lvl 3) “The latest payment history is available from xx/xx/xxxx to xx/xx/xxxx. However, we require complete 12 months payment history; the payment history is missing from xx/xx/xxxx to xx/xx/xxxx.”    
xx 60024844 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Valuation Property Active B * Property Damage (Lvl 2) According to the servicing comment dated xx/xx/xxxx, the subject property was damaged due to hurricane, did not do too much damage but they are trying to get current. Further details regarding the damages are not available. Hence, we are unable to confirm whether the damages are repaired or not.    
xx 60024844 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report at the time of loan origination is missing from the loan file.    
xx 60024844 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase Risk Indicator is Moderate due to TILA failed for APR test.    
xx 60024844 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 60024844 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service provider disclosure is missing from the loan file.    
xx 60024844 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of Servicing Transfer disclosure is missing from the loan file.    
xx 60024844 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comments are available from xx/xx/xxxx to xx/xx/xxxx and xx/xx/xxxx to xx/xx/xxxx; however we require latest 24 months complete comment history. The servicing comments are missing from xx/xx/xxxx to xx/xx/xxxx and xx/xx/xxxx to xx/xx/xxxx.    
xx 60024844 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in NC State; however, required state disclosures are missing from loan file.
1.Amortization Schedule Disclosure
2.Credit Property Insurance Disclosure
3.Fee Agreement
4.Priority of Security Instrument Disclosure
5.Attorney Selection Disclosure		    
xx 60024844 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA APR test.
The annual percentage rate (APR) is 6.888%. The disclosed APR of 0.000% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.		    
xx 18958847 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 18958847 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 18958847 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The collection comments are available from xx/xx/xxxx to xx/xx/xxxx. However, we require a complete 24 months of collection comments. The collection comments are missing from xx/xx/xxxx toxx/xx/xxxx and from xx/xx/xxxx toxx/xx/xxxx.    
xx 18958847 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider document is missing from the loan file.    
xx 18958847 xx 561 561-882 xx Non-QM QC Complete Virginia xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The modification agreement consists of Forgiven amount.
As per the loan modification agreement dated xx, the new modified balance is $144,118.05 out of which $18,569.04 will be deferred. The amount of $4,235.23 has been forgiven by the lender which exceeds 2% of the modification amount.		    
xx 18958847 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Virginia State. The following required state disclosures are missing from the loan file.
1. VA Application Disclosure
2. Choice of Settlement Agent Disclosure
3. Disclosure of Charges for Appraisal or Valuation
4. Copy of Appraisal or Statement of Appraised Value		    
xx 18958847 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Credit Active B * FHA need to verify with HUD if still active (Lvl 4) This is FHA loan. The loan was originated on xx as an FHA loan with case #xx. No indication of any changes in loan type found in the loan file.    
xx 40269956 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 40269956 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 40269956 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Providers is missing from the loan file.    
xx 40269956 xx 561 561-882 xx Non-QM QC Complete Washington xx Data Edit Data Edit Active B * Deceased Borrower(s) (Lvl 3) According to the updated title report dated xx/xx/xxxx, the borrower,xx was deceased on xx. However, no details regarding the death certificate or probate has been found in the collection comments.

.		    
xx 40269956 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comments are available from xx/xx/xxxx to xx/xx/xxxx,xx/xx/xxxx toxx/xx/xxxx,xx/xx/xxxx to xx/xx/xxxx and xx/xx/xxxx toxx/xx/xxxx. Hence, the servicing comments are missing from xx/xx/xxxx toxx/xx/xxxx,xx/xx/xxxx toxx/xx/xxxx,xx/xx/xxxx toxx/xx/xxxx and xx/xx/xxxx to xx/xx/xxxx as we require latest 24 months servicing comments.    
xx 40269956 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Washington State. The following required state disclosures are missing from the loan file.
1.Construction Lien Disclosure
2.Mortgage Loan Servicing Disclosure
3.Choice of Insurance Notice
4.Purchase Money Residential Mortgage Loan Closing Valuation Disclosure
5.Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 40269956 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) This loan failed the prepayment penalty term test.
The loan charges a prepayment penalty with a term exceeding 3 years.		    
xx 4861882 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 4861882 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 4861882 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Appraisal Active B * Variation in Parcel number(APN#) (Lvl 2) xx    
xx 4861882 xx 561 561-882 xx Non-QM QC Complete California xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Collection comments are available from xx/xx/xxxx toxx/xx/xxxx; however, we require latest 24 months collection comments. Collection comments are missing from xx/xx/xxxx toxx/xx/xxxx andxx/xx/xxxx toxx/xx/xxxx.    
xx 4861882 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application is missing from the loan file.    
xx 4861882 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 4861882 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index numerical value is unavailable as the supportive documents such as Loan program disclosure/Rate lock agreement/Closing instruction are missing from the loan file.    
xx 4861882 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The affiliated business form is missing from the loan file.    
xx 4861882 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The ComplianceEase risk indicator is “Moderate” due to the TILA APR test, GSE Predatory Lending Guidance and GSE Points and Fees Test:    
xx 4861882 xx 561 561-882 xx Non-QM QC Complete California xx Credit Other Disclosures Active B * Missing Required Disclosures (Lvl 2) The list of service providers is missing from the loan file.    
xx 4861882 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located at California state. The following state disclosures are missing from the loan file.
1. Impound Account Disclosure
2. Cosigner Notice
3. Private Mortgage Insurance Disclosure
4. Earthquake Disclosure forCondominiums
5. Hazard Insurance Disclosure
6. Insurer RecommendationDisclosure
7. CA Fair Lending Notice
8. Anti-Tying Disclosure
9. Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application.		    
xx 4861882 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA APR Test is fail. Loan data is 0.000% and comparison data is 10.338%. Hence the variance is -10.338%.    
xx 7215582 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 7215582 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 7215582 xx 561 561-882 xx Non-QM QC Complete Florida xx Data Edit Data Edit Active B * Written or verbal dispute (Lvl 3) According to collection comment dated xx/xx/xxxx, the foreclosure fee dispute was received on xx/xx/xxxx. This fee was forwarded to lender to review and advise. Comment dated xx/xx/xxxx states that borrower was quoted a reinstatement amount of xx.  The borrower did not reinstate in full so additional foreclosure fees were incurred.  The borrower can pay down the fees whenever they can. No further details have been found.    
xx 7215582 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business form disclosure is missing from the loan file.    
xx 7215582 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Credit Active B * Foreclosure case has been dismissed (Lvl 3) xx    
xx 7215582 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow acct disclosure are missing from the loan file.    
xx 7215582 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Title Issue Active B * Title issue (Lvl 3) ISAOA / It's successors and or assigns clause is missing in Short form title policy.    
xx 7215582 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service providers disclosure is missing from the loan file.    
xx 7215582 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of Servicing transfer disclosure is missing from the loan file.    
xx 7215582 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The loan modification agreement was made between xx with the new modified unpaid principal balance is $80,311.76. Lender had decreased the principal balance in the amount of $38,567.48. Which exceeds 2% of modified balance.    
xx 7215582 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."    
xx 90377587 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 90377587 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 90377587 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * ROR Transaction date not consistent with Note and/or HUD (Lvl 2) As per Note, the note date is xx.  Final HUD-1 shows the settlement date is xx. However, ROR transaction date is xx which is inconsistent from Note and HUD-1.    
xx 90377587 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 90377587 xx 561 561-882 xx Non-QM QC Complete California xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The collection comments are available from xx/xx/xxxx to xx/xx/xxxx, from xx/xx/xxxx to xx/xx/xxxx, from xx/xx/xxxx to xx/xx/xxxx, from xx/xx/xxxx to xx/xx/xxxx and from xx/xx/xxxx to xx/xx/xxxx. However, we require the latest 24 months of collection comments. The collection comments are missing from xx/xx/xxxx to xx/xx/xxxx, from xx/xx/xxxx to xx/xx/xxxx, from xx/xx/xxxx to xx/xx/xxxx, from xx/xx/xxxx to xx/xx/xxxx and from xx/xx/xxxx to xx/xx/xxxx.    
xx 90377587 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider document is missing from the loan file.    
xx 90377587 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The property is located in state of California. The following required State Disclosure is missing in the loan file.
1.Impound Account Disclosure
2.Cosigner Notice
3.Private Mortgage Insurance Disclosure
4.Earthquake Disclosure forCondominiums
5.Hazard Insurance Disclosure
6.Insurer RecommendationDisclosure
7.CA Fair Lending Notice
8.Anti-Tying Disclosure
9.Privacy Notice
10.Notice of Right to Copy of Appraisal
11.Application for Credit-Married Persons
12.Fair Debt Collection Notice
13.Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 90377587 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
xx 90377587 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 74345695 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 74345695 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 74345695 xx 561 561-882 xx Non-QM QC Complete Virginia xx NPL General Active B * Water/Sewer Taxes (Lvl 3) According to the review of the updated title report dated xx/xx/xxxx, the utilities charge of the year xx are delinquent in  the amount ofxx.    
xx 74345695 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan file.    
xx 74345695 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 74345695 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Servicing comments are available from xx/xx/xxxx to xx/xx/xxxx and from xx/xx/xxxx to xx/xx/xxxx. However, we require latest 24 months collection comments. Servicing comments are missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 74345695 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
xx 74345695 xx 561 561-882 xx Non-QM QC Complete Virginia xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 74345695 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Virginia. The below required state disclosures are missing from the loan file.
VA Application Disclosure
Choice of Settlement Agent Disclosure
Disclosure of Charges For Appraisal or Valuation
Copy of Appraisal or Statement of Appraised Value		    
xx 74345695 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.    
xx 11362587 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 11362587 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 11362587 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 2) According to the updated title report dated xx/xx/xxxx, the county taxes for the year xx are delinquent in the combined amount of xx.    
xx 11362587 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit DTI Active B * DTI > 60% (Lvl 2) As per final application dated xx/xx/xxxx, the borrower monthly income is $5,541.14 and monthly expenses are given in the amount of $2,758.53. Hence the DTI ratio became 68.585%, which is greater than 60%.    
xx 11362587 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider is missing from the loan file.    
xx 11362587 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of service provider is missing from the loan file.    
xx 11362587 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Legal Docs Active B * Updated title review shows IRS / vehicle / federal / personal tax liens (Lvl 2) Review of updated title report dated xx/xx/xxxx shows that there is IRS lien against the borrower in amount of xx.    
xx 11362587 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) The chain of assignment is incomplete as there is a break in chain of assignment from xx to xx.    
xx 11362587 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comments are available from xx/xx/xxxx to xx/xx/xxxx, xx/xx/xxxx to xx/xx/xxxx, xx/xx/xxxx to xx/xx/xxxx and xx/xx/xxxx to xx/xx/xxxx; however we require latest 24 months complete comment history. The servicing comments are missing from xx/xx/xxxx to xx/xx/xxxx, xx/xx/xxxx to xx/xx/xxxx, xx/xx/xxxx to xx/xx/xxxx and xx/xx/xxxx to xx/xx/xxxx.    
xx 11362587 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in FL State; however, required state disclosures are missing from loan file.
Anti-Coercion Notice
Insurance Sales Disclosure		    
xx 11362587 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Credit Active B * FHA need to verify with HUD if still active (Lvl 4) This is FHA loan. The loan was originated on xx as an FHA loan with case #xx. No indication of any changes in loan type found in the loan file.    
xx 11362587 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 70934397 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 70934397 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report at the time of origination is missing from the loan file.    
xx 70934397 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final Application is missing from the loan file.    
xx 70934397 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Legal Docs Title Issue Active B * Title issue (Lvl 3) xx     
xx 70934397 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan file.    
xx 70934397 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Provider Disclosure is missing from the loan file.    
xx 70934397 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index numerical value is unavailable as the supportive documents such as Loan program disclosure/Rate lock agreement/Closing instruction are missing from the loan file.    
xx 70934397 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 70934397 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing Transfer Disclosure is missing from the loan file.    
xx 70934397 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Data Edit Data Edit Active B * Deceased Borrower(s) (Lvl 3) According to the updated title report dated xx/xx/xxxx, the borrower,xx was deceased on xx. However, no details regarding the death certificate or probate has been found in the collection comments.

.		    
xx 70934397 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The comment history is incomplete. Collection comments are available from xx/xx/xxxx to xx/xx/xxxx; however, we require latest 24 months collection comments. Collection comments are missing from xx/xx/xxxx to xx/xx/xxxx, xx/xx/xxxx to xx/xx/xxxx, xx/xx/xxxx to xx/xx/xxxx andxx/xx/xxxx toxx/xx/xxxx.    
xx 70934397 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) The Final HUD-1 along with estimated HUD-1 and itemization are missing from the loan file.    
xx 70934397 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) The Final Truth In Lending Disclosure is missing from the loan file.    
xx 70934397 xx 561 561-882 xx Non-QM QC Complete Massachusetts xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in the Massachusetts state. The following state disclosures are missing from the loan file:

1.Lead-Based Paint Disclosure
2.Mortgage Loan Application Disclosure
3.Carbon Monoxide Alarms
4.MA Smoke Detector Certificate
5.Notice of the Specific Reason for Denial of Credit
6.Demonstration and Documentation of Compliance with Borrower’s Interest Requirement		    
xx 88786950 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 88786950 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 88786950 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Collection comments are available from xx/xx/xxxx till xx/xx/xxxx and from xx/xx/xxxx till xx/xx/xxxx; however, as we require latest 24 months collection comments. Comment history is missing in between from xx/xx/xxxx till xx/xx/xxxx.    
xx 88786950 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase risk indicator is moderate as the loan is failing for points and fees test and late fees test.    
xx 88786950 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application is missing from the loan file.    
xx 88786950 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file    
xx 88786950 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) LTV is xx  which is greater than xx hence MI certificate is required; however, it is missing from the loan file.    
xx 88786950 xx 561 561-882 xx Non-QM QC Complete Texas xx NPL NPL Active B * Payment History is not Complete (Lvl 3) Payment history is available from xx/xx/xxxx till xx/xx/xxxx; however, as we require latest 12 months payment history. Payment history is missing in between from xx/xx/xxxx till xx/xx/xxxx.    
xx 88786950 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider document is missing from the loan file.    
xx 88786950 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) xx     
xx 88786950 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the points and fees test as;
GSE (Fannie Mae public guidelines) Points and Fees Test: FAIL $6,287.87 $4,978.70 +$1,309.17
The points and fees charged to the borrower exceed the greater of 5% of the mortgage amount or $1,000.

This loan failed the late fees test as;
Late Fees Test: FAIL 6.000% 5.000% +1.000%
The loan has late fees that do not conform to the requirements for the lenders license type in the state where the property is
located.		    
xx 88786950 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to calculate operative index value from the loan file.    
xx 65636863 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 65636863 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 65636863 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) xx    
xx 65636863 xx 561 561-882 xx Non-QM QC Complete Arizona xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 65636863 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The collection comments are available from xx/xx/xxxx toxx/xx/xxxx. However, we require a complete 24 months of collection comments. The collection comments are missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 65636863 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider document is missing from the loan file.    
xx 65636863 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
xx 65636863 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 65636863 xx 561 561-882 xx Non-QM QC Complete Arizona xx Legal Docs Note / Mod Active B * Incorrect Property address on Note Document. (Lvl 2) There is a variance in property address. The subject property address is mentioned on Special Joint Tenancy Warranty deed which was recorded on xx”.    
xx 2794046 xx 561 561-882 xx Non-QM QC Complete Virginia xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal at the origination is missing from the loan file.    
xx 2794046 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 (Application) is missing from the loan file.    
xx 2794046 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1/settlement statement and itemization of fees are missing from the loan file.    
xx 2794046 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 2794046 xx 561 561-882 xx Non-QM QC Complete Virginia xx Legal Docs Doc Issue Active B * Missing Title evidence (Lvl 4) Final title policy at origination is missing from the loan file and there is no commitment and the preliminary report found in the loan file either.    
xx 2794046 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow account disclosure is missing from loan file.    
xx 2794046 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from loan file.    
xx 2794046 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from the loan file.    
xx 2794046 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 2794046 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The comment history is incomplete. However, we require the latest 24 months comments history. The comment history is missing from xx/xx/xxxx toxx/xx/xxxx, xx/xx/xxxx toxx/xx/xxxx,xx/xx/xxxx toxx/xx/xxxx and xx/xx/xxxx to xx/xx/xxxx.    
xx 2794046 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The following disclosures are missing from the loan file.
1. Choice of Settlement Agent Disclosure
2. Copy of Appraisal or Statement of Appraised Value		    
xx 4907434 xx 561 561-882 xx Non-QM QC Complete Washington D.C. xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Comment History is available from xx/xx/xxxx toxx/xx/xxxx and from xx/xx/xxxx tillxx/xx/xxxx. However, we require latest 24 months comments history. Comments are missing from xx/xx/xxxx toxx/xx/xxxx, xx/xx/xxxx to xx/xx/xxxx and from xx/xx/xxxx tillxx/xx/xxxx.    
xx 4907434 xx 561 561-882 xx Non-QM QC Complete Washington D.C. xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Following state disclosures are missing from the loan file.
DC Insurance Notice
Domestic Partner Disclosure		    
xx 4907434 xx 561 561-882 xx Non-QM QC Complete Washington D.C. xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 4907434 xx 561 561-882 xx Non-QM QC Complete Washington D.C. xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
xx 4907434 xx 561 561-882 xx Non-QM QC Complete Washington D.C. xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of service transfer disclosure is missing from the loan file.    
xx 4907434 xx 561 561-882 xx Non-QM QC Complete Washington D.C. xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from the loan file.    
xx 4907434 xx 561 561-882 xx Non-QM QC Complete Washington D.C. xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) xx    
xx 4907434 xx 561 561-882 xx Non-QM QC Complete Washington D.C. xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 4907434 xx 561 561-882 xx Non-QM QC Complete Washington D.C. xx Credit Title Review Active B * Title Rvw shows prop. owner of record is not borr. (Lvl 2) xx    
xx 93828293 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 93828293 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 93828293 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 93828293 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Credit Active B * Junior lien 2 started foreclosure, needs further investigation (Lvl 3) xx    
xx 93828293 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from loan file.    
xx 93828293 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated Business disclosure is missing from loan file.    
xx 93828293 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The CE result is Moderate because this loan has failed TILA Foreclosure Rescission Finance Charge Test.    
xx 93828293 xx 561 561-882 xx Non-QM QC Complete Maryland xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The Payment history is available from xx/xx/xxxx to xx/xx/xxxx. However, we require latest 12 months Payment history. The Payment history is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 93828293 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comments are available from xx/xx/xxxx toxx/xx/xxxx. However, we require latest 24 months collection comments. The servicing comments are missing in between the period from 03-22-2017 to 7-30-2017/ 02-01-2018 to 02-28-2018/ 12-01-2017 to 12-31-2017 / 09-01-2018 to 09-30-2018.    
xx 93828293 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) xx    
xx 93828293 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA Foreclosure Rescission Finance Charge Test: FAIL  Loan Data $251,429.40  Comparison Data $251,496.06  and Variance is -$66.66    
xx 93828293 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Title Review Active B * Active State Tax Lien Judgement. (Lvl 2) Updated title report reveals there is one state tax judgment against the borrower xx.    
xx 4456863 xx 561 561-882 xx Non-QM QC Complete Utah xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 4456863 xx 561 561-882 xx Non-QM QC Complete Utah xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 4456863 xx 561 561-882 xx Non-QM QC Complete Utah xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Form is missing from the loan file.    
xx 4456863 xx 561 561-882 xx Non-QM QC Complete Utah xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan file.    
xx 4456863 xx 561 561-882 xx Non-QM QC Complete Utah xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Acct Disclosure is missing from the loan file.    
xx 4456863 xx 561 561-882 xx Non-QM QC Complete Utah xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Services Providers is missing from the loan file.    
xx 4456863 xx 561 561-882 xx Non-QM QC Complete Utah xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer Disclosure is missing from the loan file.    
xx 4456863 xx 561 561-882 xx Non-QM QC Complete Utah xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 4456863 xx 561 561-882 xx Non-QM QC Complete Utah xx Legal Docs Legal Docs Active B * Updated title review shows IRS / vehicle / federal / personal tax liens (Lvl 2) The review of the updated title report dated xx/xx/xxxx, There is an IRS Lien in the amount of xx.    
xx 4456863 xx 561 561-882 xx Non-QM QC Complete Utah xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located at UT State. The following state disclosures are missing from the loan files.
.·Fee Disclosure
.·Loan Application Notice
.·Servicer Disclosure
.·Notice of Change of Terms For Open-End Consumer Credit Contract
.·Disclosure of Debtor’s Waiver of Class Action.		    
xx 4456863 xx 561 561-882 xx Non-QM QC Complete Utah xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA right of rescission test.    
xx 4456863 xx 561 561-882 xx Non-QM QC Complete Utah xx Credit Credit Active B * FHA need to verify with HUD if still active (Lvl 4) This is FHA loan. The loan was originated on xx as an FHA loan with case #xx. No indication of any changes in loan type found in the loan file.    
xx 4456863 xx 561 561-882 xx Non-QM QC Complete Utah xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA Right of Rescission Test: Result:FAIL.

This loan failed the TILA right of rescission test.
Closed-end The funding date is before the third business day following consummation.
The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last.		    
xx 39560928 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 39560928 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 39560928 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business form disclosure is missing from the loan file.    
xx 39560928 xx 561 561-882 xx Non-QM QC Complete New York xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan file.    
xx 39560928 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file."    
xx 39560928 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow acct disclosure is missing from the loan file.    
xx 39560928 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer document is missing from the loan file.    
xx 39560928 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The comment history is available from xx/xx/xxxx to xx/xx/xxxx as we require latest 24 months servicing comments. The comment history is missing from xx/xx/xxxx toxx/xx/xxxx and xx/xx/xxxx to xx/xx/xxxx.    
xx 39560928 xx 561 561-882 xx Non-QM QC Complete New York xx Modification Doc Issue Active B * Loan appears modified. Mod missing or unexecuted (Lvl 3) The latest payment history shows the current P&I $1940.02 with an interest rate of 5.250% which is matching with the modification agreement made on xx. The first payment was due on xx and the maturity date is xx. However, the modification agreement is not signed by the borrower.    
xx 39560928 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA APR test.
The annual percentage rate (APR) is 6.784%. The disclosed APR of 0.000% is not considered accurate because it is more than
1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.		    
xx 39560928 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) TILA APR Test: FAIL Loan Data 0.000% Comparison Data 6.784% Variance -6.784%
This loan failed the TILA APR test.		    
xx 22684833 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 22684833 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 22684833 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) * Settlement Date different than the Note Date    
xx 22684833 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The affiliated business form is missing in the loan file.    
xx 22684833 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The following state disclosures are missing in the loan file.
Impound Account Disclosure.
Cosigner Notice.
Private Mortgage Insurance Disclosure.
Earthquake Disclosure forCondominiums.
Hazard Insurance Disclosure.
Insurer RecommendationDisclosure.
CA Fair Lending Notice.
Anti-Tying Disclosure.
Privacy Notice.
Notice of Right to Copy of Appraisal.
Application for Credit-Married Persons.
Fair Debt Collection Notice.
Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application.		    
xx 22684833 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service providers is missing from the loan file.    
xx 22684833 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The loan modification agreement was made between xx. The Loan Modification Agreement consists of the principal forgiven. As per MOD, the new modified principal balance is in the amount of xx in which $xx is deferred. In addition to this, there is a provision that $xx of the deferred principal balance is eligible for forgiveness. It’s been provided that the borrower will not be in default on his new payments for three full monthly consecutive payments. Then the lender shall reduce on each of the first, second anniversaries of xx  the deferred principal balance in installments equal to the one-half of the deferred principle reduction amount. As per the latest available payment history and collection comments, the borrower is delinquent from xx/xx/xxxx. The tape data still reflects the deferred balance in the amount of $xx. We are unable to determine whether the lender forgives the principle or not.    
xx 22684833 xx 561 561-882 xx Non-QM QC Complete California xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comments are available in the file from xx/xx/xxxx to xx/xx/xxxx; however, we require latest 24 months comments history; Servicing comments are missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 6857912 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 6857912 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 6857912 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 6857912 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Collection comments are available from xx/xx/xxxx toxx/xx/xxxx; however, we require latest 24 months collection comments. Collection comments are missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 6857912 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit DTI Active B * DTI > 60% (Lvl 2) Final 1003 reflect total monthly income as $10,160.09; however total debts in the amount of $4,199.00 hence DTI is greater than 60%.    
xx 6857912 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from loan file.    
xx 6857912 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index numerical value is unavailable as the supportive documents such as Loan program disclosure/Rate lock agreement/Closing instruction are missing from the loan file.    
xx 6857912 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated Business Disclosure is missing from loan file.    
xx 6857912 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Georgia State. The following disclosures are missing from the loan file.  
Bellow Disclosures are missing from loan file;
Waiver of Borrowers Right sand Closing Attorney Affidavit
Disclosure of Additional Fees		    
xx 64876881 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 64876881 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 64876881 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 64876881 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 64876881 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account disclosure is missing from the loan file.    
xx 64876881 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 64876881 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is missing from the loan file.    
xx 64876881 xx 561 561-882 xx Non-QM QC Complete California xx NPL NPL Active B * Payment History is not Complete (Lvl 3) Payment history is available from xx/xx/xxxx toxx/xx/xxxx and from xx/xx/xxxx toxx/xx/xxxx. However, we require the latest 12 months payment history. The payment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 64876881 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * ROR Transaction date not consistent with Note and/or HUD (Lvl 2) ROR transaction date is xx which is not consistent with the note and HUD.    
xx 64876881 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Mortgage Active B * Mortgage  (Lvl 2) Subject loan was originated under jumbo loan category.    
xx 64876881 xx 561 561-882 xx Non-QM QC Complete California xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The comment history is incomplete. However, we require the latest 24 months comment history. The comment history is missing from xx/xx/xxxx toxx/xx/xxxx, xx/xx/xxxx to xx/xx/xxxx and from xx/xx/xxxx toxx/xx/xxxx.    
xx 64876881 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The following disclosures are missing from the loan file.
1.Impound Account Disclosure
2.Cosigner Notice
3.Private Mortgage Insurance Disclosure
4.Hazard Insurance Disclosure
5.Insurer RecommendationDisclosure
6.Anti-Tying Disclosure
7.Privacy Notice
8.Notice of Right to Copy of Appraisal
9.Application for Credit-Married Persons
10.Fair Debt Collection Notice
11.Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 64876881 xx 561 561-882 xx Non-QM QC Complete California xx Modification Doc Issue Active B * Loan appears modified. Mod missing or unexecuted (Lvl 4) This is a conventional fixed rate mortgage with P&I of $3,033.93 with the rate of interest 6.500% and maturity is xx/xx/xxxx. The P&I as per latest payment history is the $2,188.41 and rate of interest is 5.00%, however, there is a reduction in P&I and rate of interest with respect to Note data which seems that there would be a possible modification.
Collection comment dated xx/xx/xxxx states that the loan modification agreement was made on xx. The new UPB is in the amount of $xx with an annual fixed modified interest rate of 5.00% and new P&I is in the amount of $2,188.41 beginning from xx. The maturity is xx. There is no deferred balance. However, Modification agreement is missing from the loan file. Previously, the loan has been modified on xx in which the lender has forgiven the amount of $xx.		    
xx 79964135 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 79964135 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 79964135 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated Business Disclosure is missing from the loan file.    
xx 79964135 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The collection comments are available from xx/xx/xxxx toxx/xx/xxxx. However, we require the latest 24 months of the collection comments. The comments are missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 79964135 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service providers disclosure is missing from the loan file.    
xx 79964135 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) The loan program disclosure is missing from the loan file.    
xx 79964135 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Note / Mod Active B * Lost Note Affidavit (Lvl 3) The Lost Note Affidavit found in the loan at (xx) stating that Original Note has been lost. However, a Copy of Note found in the loan file.    
xx 79964135 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) The operative index value is unable to be determined since the supporting documents are missing from the loan file.    
xx 79964135 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Florida state. The following state disclosures are missing from the loan file.
1.Title Insurance Disclosure.
2.Radon Gas Disclosure.
3.Insurance Sales Disclosure.		    
xx 77555459 xx 561 561-882 xx Non-QM QC Complete Rhode Island xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 77555459 xx 561 561-882 xx Non-QM QC Complete Rhode Island xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 77555459 xx 561 561-882 xx Non-QM QC Complete Rhode Island xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) The note has adjustable rate provision; however, the loan program disclosure is missing from the loan file.    
xx 77555459 xx 561 561-882 xx Non-QM QC Complete Rhode Island xx Modification Doc Issue Active B * Loan appears modified. Mod missing or unexecuted (Lvl 4) This is a conventional adjustable rate mortgage loan; however, the loan was modified on xx with new UPB in the amount of $159,195.79 and fixed interest at the rate of 5.5%. According to servicing comment dated xx, the modification agreement was issued to the borrower on xx. However, the agreement is missing from the loan file and the latest payment history as of xx/xx/xxxx shows that borrower has been making payments as per above mod terms.    
xx 20169942 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 20169942 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 20169942 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) As per the final application, the mortgage insurance amount is xx. However, the mortgage insurance document is required which is missing from the loan file.    
xx 20169942 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Other Disclosures Active B * Missing Required Disclosures (Lvl 2) The list of service provider document is missing from the loan file.    
xx 20169942 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
xx 20169942 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comments are available from xx/xx/xxxx to xx/xx/xxxx andxx/xx/xxxx toxx/xx/xxxx and xx/xx/xxxx to xx/xx/xxxx; however, we require the latest 24 months complete servicing comments. The servicing comments are missing from xx/xx/xxxx toxx/xx/xxxx and xx/xx/xxxx toxx/xx/xxxx,xx/xx/xxxx to xx/xx/xxxx andxx/xx/xxxx toxx/xx/xxxx.    
xx 20169942 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Florida State. The following state disclosures are missing in the loan file.
1.Anti-Coercion Notice
2.Title Insurance Disclosure
3.Radon Gas Disclosure
4.Insurance Sales Disclosure		    
xx 1672506 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 1672506 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Compliance Compliance Active A * ComplianceEase Exceptions Test Failed (Lvl 1)      
xx 1672506 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Modification Doc Issue Active B * Loan appears modified. Mod missing or unexecuted (Lvl 3) According to the latest payment history the PITI is $1796.85 with an interest rate of 5.5005 which is matching with the modified term agreement located at ("xx") , however the modification agreement is not executed by the borrower.    
xx 1672506 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business form disclosure is missing from the loan file.    
xx 1672506 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) CT License Validation Test: FAIL
This loan failed the Connecticut license validation test.		    
xx 1672506 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
xx 1672506 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow acct disclosure is missing from the loan file.    
xx 1672506 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
xx 1672506 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The comments history is available from xx/xx/xxxx to xx/xx/xxxx. As we require latest 24 months servicing comments. The comment history is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 1672506 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) The loan is conventional case.The MI certificate is missing from the loan file.    
xx 1672506 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The modification made on xx with new UPB is xx.The first payment was due on xx/xx/xxxx and the maturity date isxx/xx/xxxx.The amount of $5995.85 has been forgiven which exceeds the 2% of modification amount.    
xx 1672506 xx 561 561-882 xx Non-QM QC Complete Connecticut xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) The operative index value is unable to be determined from the available loan files.    
xx 33893749 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 33893749 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 33893749 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal report is missing from the loan file.    
xx 33893749 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Home Equity Loan Interest and Fees Preclosing Disclosure  
The subject property is located in state of Tennessee. The following state required disclosures are missing in the loan file namely as
1. Placement of Insurance Disclosure
2. TN Consent to Disclosure of Insurance Information
3. Choice of Agent/insurer
4. Insurance Solicitation/Post Commitment		    
xx 33893749 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated Business Disclosure is missing from the loan file.    
xx 33893749 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) The Initial Escrow Account Disclosure is missing from the loan file.    
xx 33893749 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The List of Service Provider Disclosure is missing from the loan file.    
xx 33893749 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) The operative index value unable to be determined from the available loan files.    
xx 33893749 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) The ROR is missing from the loan file.    
xx 33893749 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comments are available from xx/xx/xxxx toxx/xx/xxxx; however, we require the latest 24 months complete servicing comments. The servicing comments are missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 33893749 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) xx    
xx 33893749 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Legal Docs Doc Issue Active B * Amount of title insurance is less than mortgage amount (Lvl 3) The mortgage was originated on xx which is less than the mortgage amount.    
xx 33893749 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 33893749 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the brokerage/finder fee test.
Brokerage/Finder Fee Test:Loan Data : $6,279.40, Comparison Data : $4,345.20, Variance : +$1,934.20		    
xx 33893749 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the brokerage/finder fee test.
The mortgage loan charges a brokerage/finder fee that exceeds 2% of the total loan amount. Under the Tennessee Rules and
Regulations, brokerage fee is synonymous with finder fee.		    
xx 37384345 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 37384345 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 37384345 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 37384345 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing Transfer Disclosure is missing from the loan file.    
xx 37384345 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Credit Doc Issue Active B * Application Missing (Lvl 2) The Final Application/1003 is missing from the loan file.    
xx 37384345 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) The Initial Escrow Account Disclosure is missing from the loan file.    
xx 37384345 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The List of Service Provider Disclosure is missing from the loan file.    
xx 37384345 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comments are available from xx/xx/xxxx to xx/xx/xxxx; however, we require the latest 24 months of servicing comments. The servicing comments are missing from xx/xx/xxxx to xx/xx/xxxx, xx/xx/xxxx to xx/xx/xxxx and also from xx/xx/xxxx to xx/xx/xxxx.    
xx 37384345 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Kentucky state. The following state disclosures are missing from the loan file:
1.Fair Housing Notice
2.Homeownership Protection Center Disclosures
3.Notice of Free Choice of Agent or Insurer		    
xx 37384345 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.
The finance charge is $224,994.67. The disclosed finance charge of $164,315.56 is not considered accurate because it is understated by more than $100.
TILA Finance Charge Test: Loan Data $164,315.56 Comparison Data $224,994.67 Variance -$60,679.11.


This loan failed the TILA foreclosure rescission finance charge test.
The finance charge is $224,994.67. The disclosed finance charge of $164,315.56 is not considered accurate for purposes of rescission because it is understated by more than $35.
TILA Foreclosure Rescission Finance Charge Test: Loan Data $164,315.56 Comparison Data $224,994.67 Variance -$60,679.11.

This loan failed the TILA APR test.
The annual percentage rate (APR) is 10.013%. The disclosed APR of 8.282% is not considered accurate because it is more than
1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.
TILA APR Test: Loan Data 8.282% Comparison Data 10.013% Variance -1.731%.		    
xx 37384345 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA finance charge test.
This loan failed the TILA foreclosure rescission finance charge test.
This loan failed the TILA APR test.		    
xx 37384345 xx 561 561-882 xx Non-QM QC Complete Kentucky xx Compliance Compliance Active B * GSE Points and Fees Test Violations (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.    
xx 96343930 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 96343930 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 96343930 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business disclosure is missing from the loan file.    
xx 96343930 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final Application is missing from the loan file    
xx 96343930 xx 561 561-882 xx Non-QM QC Complete Washington xx Legal Docs Doc Issue Active B * Not all borrowers signed HUD (Lvl 3) Final HUD-1 is not signed by the borrower.    
xx 96343930 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 96343930 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Providers Disclosures is missing from the loan file.    
xx 96343930 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer Disclosure Document is missing from the loan file.    
xx 96343930 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The collection comments are available from xx/xx/xxxx toxx/xx/xxxx. However, we require a complete 24 months of the collection comments. The collection comments are missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 96343930 xx 561 561-882 xx Non-QM QC Complete Washington xx Data Edit Data Edit Active B * Deceased Borrower(s) (Lvl 3) According to the updated title report dated xx/xx/xxxx, the borrower,xx was deceased on xx. However, no details regarding the death certificate or probate has been found in the collection comments.

.		    
xx 96343930 xx 561 561-882 xx Non-QM QC Complete Washington xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 96343930 xx 561 561-882 xx Non-QM QC Complete Washington xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in WA state. The following state disclosure is missing from the loan file.
1. Explanation of Personal Obligation
2. Marital Property Act Disclosure
3. Pre-Application Fee Disclosure
4. Choice of Insurance Disclosure
5. Escrow Disclosure
6. Co-Signer Notice
7. Tattle Tale Notice under the Marital Property Act		    
xx 96343930 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Title Review Active B * Title Rvw shows prop. owner of record is not borr. (Lvl 2) xx    
xx 96343930 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) This is a FHA loan. LTV at the origination was xx%. The tape data does not reflect MI required. Final 1003 is missing from the loan file. MI certificate is required; however, it is missing in the loan file.    
xx 96343930 xx 561 561-882 xx Non-QM QC Complete Washington xx Credit Credit Active B * FHA need to verify with HUD if still active (Lvl 4) This is FHA loan. The loan was originated on xx as an FHA loan with case #xx. No indication of any changes in loan type found in the loan file.    
xx 83681660 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 83681660 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 83681660 xx 561 561-882 xx Non-QM QC Complete Ohio xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) As per the modification made on xx. The new principal balance is xx. 
The remaining unpaid arrears amount is $xx, which includes the Principle Balance reduction of $xx and arrears amount of $xx shall be deferred. The lender has forgiven principal balance in the amount of $xx, which exceeds 2% of modification amount.		    
xx 83681660 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 83681660 xx 561 561-882 xx Non-QM QC Complete Ohio xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 83681660 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 2) As per the review of the updated title report dated xx/xx/xxxx shows that 1st installments of xx for the year of xx  have been delinquent in the amount of $780.43, which were due on xx and they are good through  xx    
xx 83681660 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated Business Disclosure is missing from the loan file.    
xx 83681660 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * Application Missing (Lvl 2) The Final Application is missing in the loan file.    
xx 83681660 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) The Initial Escrow Account Disclosure is missing from the loan file.    
xx 83681660 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The List of Service Provider Disclosure is missing from the loan file.    
xx 83681660 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) The Loan Program Disclosure document is missing from the loan file.    
xx 83681660 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comment is available from xx/xx/xxxx to xx/xx/xxxx, from xx/xx/xxxx to xx/xx/xxxx, xx/xx/xxxx to xx/xx/xxxx. However, we required a complete 24 months of collection comments. The collection comments are missing from xx/xx/xxxx to xx/xx/xxxx, from xx/xx/xxxx to xx/xx/xxxx, from xx/xx/xxxx to xx/xx/xxxxand from xx/xx/xxxx to xx/xx/xxxx.    
xx 83681660 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in the Ohio state. The following state disclosures are missing from the loan file:
1.Equal Credit Availability Notice
2.Insurance Tying Disclosure
3.Non-Deposit Insurance Disclosure		    
xx 83681660 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.    
xx 46376097 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 46376097 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 46376097 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 2) According to updated title report dated xx/xx/xxxx, the combined annual taxes of xx are delinquent in the amount of $4,800.29 which were due on xx for the good through date of xx    
xx 46376097 xx 561 561-882 xx Non-QM QC Complete Louisiana xx NPL General Active B * The property had a tax sale - property or cert was sold to 3rd party (Lvl 4) The combined annual taxes of xx have been sold or forfeited in the amount of xx. However, the tax sale certificate is not available with the document attached to the updated title report. No information pertaining to redemption of the sold taxes have been found. According to Alert Note of updated title report, tax print out indicates tax sale for xx.    
xx 46376097 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service providers disclosure is missing from the loan file    
xx 46376097 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comments are available in the file from xx/xx/xxxx toxx/xx/xxxx & from xx/xx/xxxx toxx/xx/xxxx; however, we require the latest 24 months of comments history. The comments are missing from xx/xx/xxxx toxx/xx/xxxx, from xx/xx/xxxx to xx/xx/xxxx, from xx/xx/xxxx to xx/xx/xxxx and from  xx/xx/xxxx to xx/xx/xxxx.    
xx 46376097 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Louisiana state. The following state disclosures are missing from the loan file.
1. Authorization Fees, Charges and Expenses for Federally Related Mortgage Loans.
2. Anti-Tying Disclosure.
3. Financial Institution Choice of Insurance Disclosure.		    
xx 46376097 xx 561 561-882 xx Non-QM QC Complete Louisiana xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.    
xx 46902550 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 46902550 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 46902550 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An Appraisal report is missing from the loan file.    
xx 46902550 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 46902550 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated Business Disclosure is missing from the loan file.    
xx 46902550 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The collection comments are available from xx/xx/xxxx to xx/xx/xxxx. However, we require the latest 24 months of collection comments. The collection comments are missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 46902550 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Doc Issue Active B * Title policy missing (Lvl 3) The final title policy is missing from the loan file. However, values are updated as per Commitment located at (xx). The Form-9 is also available in loan file located at (xx).    
xx 46902550 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) The Initial Escrow Account Disclosure is missing from the loan file.    
xx 46902550 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The List of Service Provider Disclosure is missing from the loan file.    
xx 46902550 xx 561 561-882 xx Non-QM QC Complete Florida xx Modification Modification Active B * Modification Issue (Lvl 3) xx    
xx 46902550 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 46902550 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in the Florida state. The following state disclosures are missing from the loan file:
1.Anti-Coercion Notice
2.Title Insurance Disclosure
3.Radon Gas Disclosure
4.Insurance Sales Disclosure		    
xx 46902550 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.    
xx 46902550 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to determine the Operative index value since supportive documents are missing from the loan file.    
xx 37365140 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 37365140 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 37365140 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Valuation Active B * Property Damge (Lvl 2) Collection comment dated xx/xx/xxxx shows that prior repairs have been made. However, nature of damage and amount of damages has not been mentioned in the collection comments.    
xx 37365140 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 29456081 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 29456081 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 29456081 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 29456081 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Other Disclosures Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from the loan file.    
xx 29456081 xx 561 561-882 xx Non-QM QC Complete Illinois xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 29456081 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comments are available from xx/xx/xxxx toxx/xx/xxxx; however, we require the latest 24 months servicing comments. The servicing comments are missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 29456081 xx 561 561-882 xx Non-QM QC Complete Illinois xx Legal Docs Title Issue Active B * Title issue (Lvl 3) xx    
xx 29456081 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Unable to confirm the operative index value from the loan file.    
xx 53975162 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 53975162 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 53975162 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final loan application is missing from the loan file.    
xx 53975162 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider is missing from the loan file.    
xx 53975162 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in NY State. The following state disclosures are missing in the loan files.
NY Consumer Credit Disclosure / Fair Credit Reporting Notice
NY Interest Rate Disclosure,
NY Hazard Insurance Disclosure
Tax Escrow Account Designation,
Mortgage Bankers and Exempt Organizations Pre-application
Part 80 Disclosure,
Alternative Mortgage Transaction Disclosures,
Co-Signer Notice Requirements,
Default Warning Notice,
Smoke Alarm Affidavit,
New York Real Property Escrow Account Disclosure,
Subprime Home Loan Counseling Disclosure,
Subprime Home Loan Tax and Insurance Payment Disclosure,
Subprime Home Loan Disclosure,
Commitment Disclosure,
Lock-in Disclosure,
Expiration of Lock-in or Commitment Period.		    
xx 89427768 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 89427768 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 89427768 xx 561 561-882 xx Non-QM QC Complete New York xx Data Edit Data Edit Active B * Water/Sewer Taxes (Lvl 2) xx    
xx 89427768 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) CE risk indicator is "Moderate" since this loan failed the late fees test as the loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located.

Late Fees Test: FAIL    Charged: 5.000%    Allowed:2.000%    Over By: +3.000%		    
xx 89427768 xx 561 561-882 xx Non-QM QC Complete New York xx Data Edit Data Edit Active B * Litigation (Lvl 3) The foreclosure proceedings were being delayed due to contested/litigated matter due to filing of motion for summary judgment. The comment dated xx/xx/xxxx states that the contested pleading or litigation action was filed on xx The previous service had hired "xx" firm to handle the litigation associated with this loan no confirmation that xx still wants this firm to continue with resolving the litigated matter. The counter claims and affirmative defenses were filed. There are evidences are available in the latest 24 months servicing comments regarding the current status of contested/litigated matter.    
xx 89427768 xx 561 561-882 xx Non-QM QC Complete New York xx Data Edit Data Edit Active B * Foreclosure Delay or Contested (Lvl 3) The foreclosure proceedings were initiated on the loan by referring it to Attorney on xx. The previous service had hired "xx" firm to handle the litigation associated with this loan no confirmation that xx still wants this firm to continue with resolving the litigated matter. The counter claims and affirmative defenses were filed. There are evidences are available in the latest 24 months servicing comments regarding the current status of contested/litigated matter.    
xx 89427768 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comments are available in the loan file from xx/xx/xxxx toxx/xx/xxxx andxx/xx/xxxx toxx/xx/xxxx. We require latest 24 months servicing comments but servicing comments are missing from xx/xx/xxxx toxx/xx/xxxx;xx/xx/xxxx toxx/xx/xxxx andxx/xx/xxxx toxx/xx/xxxx.    
xx 89427768 xx 561 561-882 xx Non-QM QC Complete New York xx Legal Docs Note / Mod Active B * Lost Note Affidavit (Lvl 3) There is Lost Note Affidavit dated xx  available in the loan file (Locator# xx) but the duplicate copy of Note is also available in theloan file and loan was modified twice and recently it was modified on xx.    
xx 89427768 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the late fees test as the loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located.

Late Fees Test: FAIL    Charged: 5.000%    Allowed:2.000%    Over By: +3.000%		    
xx 23382432 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 23382432 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 23382432 xx 561 561-882 xx Non-QM QC Complete California xx NPL NPL Active B * Payment History is not Complete (Lvl 3) “The latest payment history is available from xx/xx/xxxx to xx/xx/xxxx. However, we require complete 12 months payment history; the payment history is missing from xx/xx/xxxx to xx/xx/xxxx.”    
xx 23382432 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 2) According to the updated title report dated xx/xx/xxxx , the combined taxes for the year of xx (parcel #xx) are delinquent in the amount of $4,343.13 for due date xx.    
xx 23382432 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) CE risk indicator is moderate due to,
1. This loan failed the TILA APR test.
2. This loan failed the TILA finance charge test.
. This loan failed the TILA foreclosure rescission finance charge test.		    
xx 23382432 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) CE TILA test failed due to,
1. This loan failed the TILA APR test.
The annual percentage rate (APR) is 7.724%. The disclosed APR of 6.131% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.

2. This loan failed the TILA finance charge test.
The finance charge is $990,186.47. The disclosed finance charge of $819,317.21 is not considered accurate because it is understated by more than $100.

3. This loan failed the TILA foreclosure rescission finance charge test.
The finance charge is $990,186.47. The disclosed finance charge of $819,317.21 is not considered accurate for purposes of rescission because it is understated by more than $35.		    
xx 23382432 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 23382432 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider is missing from the loan file.    
xx 23382432 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is required for ARM loan; however document is missing from loan file.    
xx 23382432 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Active Judgment Against Borrower (Lvl 3) Review of updated title report dated xx/xx/xxxx shows that there is junior mortgage  in the favor of "xx".    
xx 23382432 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Legal Docs Active B * Updated title review shows IRS / vehicle / federal / personal tax liens (Lvl 3) Review of updated title report dated xx/xx/xxxx shows that there is IRS lien against the borrower in the favor of xx. However, lien amount is greater than the loan amount.    
xx 23382432 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 23382432 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Mortgage Active B * Mortgage  (Lvl 2) Subject loan was originated under jumbo loan category.    
xx 23382432 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
xx 23382432 xx 561 561-882 xx Non-QM QC Complete California xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comments are available from xx/xx/xxxx to xx/xx/xxxx, xx/xx/xxxx, xx/xx/xxxx, xx/xx/xxxx to xx/xx/xxxx and xx/xx/xxxx; however we require latest 24 months complete comment history. The servicing comments are missing from xx/xx/xxxx to xx/xx/xxxx , xx/xx/xxxx to xx/xx/xxxx, xx/xx/xxxx to xx/xx/xxxx, xx/xx/xxxx to xx/xx/xxxx and xx/xx/xxxx to xx/xx/xxxx.    
xx 23382432 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Prepayment Rider Missing (Lvl 2) The subject loan has prepayment provision and the Prepayment rider is attached with Note but Prepayment rider is not attached with the recorded copy of Mortgage.    
xx 24498914 xx 561 561-882 xx Non-QM QC Complete Kansas xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 24498914 xx 561 561-882 xx Non-QM QC Complete Kansas xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 24498914 xx 561 561-882 xx Non-QM QC Complete Kansas xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business form is missing from the loan file.    
xx 24498914 xx 561 561-882 xx Non-QM QC Complete Kansas xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) As per he updated title report the chain of assignment is not completed, currently the assignment is with xx.    
xx 24498914 xx 561 561-882 xx Non-QM QC Complete Kansas xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 24498914 xx 561 561-882 xx Non-QM QC Complete Kansas xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow disclosure is missing from the loan file.    
xx 24498914 xx 561 561-882 xx Non-QM QC Complete Kansas xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer disclosure is missing from the loan file.    
xx 24498914 xx 561 561-882 xx Non-QM QC Complete Kansas xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The comment history is available from xx/xx/xxxx to xx/xx/xxxx ,xx/xx/xxxx to xx/xx/xxxx and xx/xx/xxxx to xx/xx/xxxx as we require latest 24 months servicing comments. The comment history is missing from xx/xx/xxxx to xx/xx/xxxx , xx/xx/xxxx to xx/xx/xxxx andxx/xx/xxxx toxx/xx/xxxx    
xx 24498914 xx 561 561-882 xx Non-QM QC Complete Kansas xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA APR test.
The annual percentage rate (APR) is 5.522%. The disclosed APR of 0.000% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.		    
xx 24498914 xx 561 561-882 xx Non-QM QC Complete Kansas xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) TILA APR Test: FAIL Loan Data 0.000% Comparison Data 5.522% Variance -5.522%
This loan failed the TILA APR test.		    
xx 84144145 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 84144145 xx 561 561-882 xx Non-QM QC Complete Indiana xx Data Edit Data Edit Active B * Deceased Borrower(s) (Lvl 3) According to death certificate located at “xx”, the borrower, xx had deceased on xx.    
xx 84144145 xx 561 561-882 xx Non-QM QC Complete Indiana xx NPL General Active B * Water/Sewer Taxes (Lvl 3) According to the review of the updated title report dated xx/xx/xxxx, the utilities charge of the year xx are delinquent in  the amount ofxx.    
xx 84144145 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 84144145 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 84144145 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 84144145 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Servicing comments are available from xx/xx/xxxx to xx/xx/xxxx, from xx/xx/xxxx to xx/xx/xxxx, and for xx/xx/xxxx. However, we require latest 24 months collection comments. Servicing comments are missing from xx/xx/xxxx to xx/xx/xxxx, from xx/xx/xxxx to xx/xx/xxxx, and from xx/xx/xxxx to xx/xx/xxxx.    
xx 84144145 xx 561 561-882 xx Non-QM QC Complete Indiana xx Legal Docs Mortgage Active B * Mortgage  (Lvl 1) The subject mortgage was originated on xx.
According to the updated title report dated xx/xx/xxxx, there is one senior mortgage against the subject property originated on xx. However, updated title report shows this mortgage at first lien position and the review for satisfaction is required.		    
xx 84144145 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Indiana State. The following required state disclosures are missing from the loan file.
1.Hazard Insurance Disclosure
2.Federal Consumer Credit Protection Act Disclosure
3.Insurance Freedom of Choice Disclosure		    
xx 84144145 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the Indiana license validation test.    
xx 84144145 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active B * ComplianceEase Exceptions Test Failed (Lvl 2) This loan failed the Indiana license validation test. (IN HEA 1359, Ind. Code § 24-4.5-1-101, Ind. Code § 24.4.4-1-101)
Indiana House Enrolled Act 1359 requires the Indiana Department of Financial Institutions to begin regulation of both first and subordinate lien mortgage lending under the First Lien Mortgage Lending License and Subordinate Lien Mortgage Lending License. As a result, lenders will no longer be allowed to make loans under the Indiana Unregulated (1st Lien), Unregulated UCCC,  Consumer Loan License, Consumer Loan License UCCC, or the Exemption Letter UCCC. The Indiana First Lien Mortgage Lending License and Indiana Subordinate Lien Lending License are not available for loans with a closing date before the Act's effective date of January 1, 2009.		    
xx 65519770 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 65519770 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 65519770 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * Application Missing (Lvl 2) Application is missing from the loan file.    
xx 65519770 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 65519770 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) Interest Rate Test: FAIL Loan Data : 11.170%  Comparison Data : 10.250%  Variance : +0.920%
The loan has an interest rate that does not conform to the requirements for the lender's license type in the state where the property is located.		    
xx 65519770 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The comment history is not complete. The available comment history is from xx/xx/xxxx toxx/xx/xxxx. However, the missing comment history is from xx/xx/xxxx toxx/xx/xxxx, xx/xx/xxxx to xx/xx/xxxx,xx/xx/xxxx toxx/xx/xxxx,xx/xx/xxxx toxx/xx/xxxx,xx/xx/xxxx toxx/xx/xxxx and from xx/xx/xxxx toxx/xx/xxxx. Hence we require latest 24 months comment history.    
xx 65519770 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The initial Escrow Account Disclosure and List of Service Provider Disclosure is missing from the loan file.    
xx 65519770 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) The review of ROR document shows that, the ROR is not hand dated.    
xx 65519770 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Ohio State. The following required state disclosures are missing from the loan file.
1.Equal Credit Availability Notice
2.Insurance Tying Disclosure
3.Non-Deposit Insurance Disclosure		    
xx 65519770 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 65519770 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the interest rate test.    
xx 88485462 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 88485462 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 88485462 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Title Review Active B * Title Rvw shows prop. owner of record is not borr. (Lvl 2) xx    
xx 88485462 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Available comments are incomplete. Collection comments are available from xx/xx/xxxx to xx/xx/xxxx; however, we require latest 24 months collection comments. Collection comments are missing from xx/xx/xxxx to xx/xx/xxxx, xx/xx/xxxx to xx/xx/xxxx, xx/xx/xxxx to xx/xx/xxxx, xx/xx/xxxx to xx/xx/xxxx and xx/xx/xxxx to xx/xx/xxxx.    
xx 88485462 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Application Missing (Lvl 2) Fianl 1003 is missing from the loan file.    
xx 88485462 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by the borrower.    
xx 74721073 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Property Active B * Property Damage (Lvl 2) According to the collection comment dated xx/xx/xxxx, the subject property had roof damage due to the hurricane. However, an inspection conducted by xx doesn't show damage although it was an exterior, drive-by inspection. According to the collection, comment dated xx/xx/xxxx, the borrower stated that she could not afford to pay that amount because she is dealing with a property insurance claim due to the hurricane. No further details have been found regarding the repair and current property condition.    
xx 74721073 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) According to the modification agreement made on xx the new principal is in the amount of xx with interest rate of 2.000%. In addition to this the lender agrees to permanently forgive the principal balance in the amount of $48,011.79 which exceeds 2% of the modified principal amount.    
xx 74721073 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business form disclosure is missing from the loan file.    
xx 74721073 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal Report is missing from the loan file.    
xx 74721073 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
xx 74721073 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 along with Estimated hud-1 and Itemization are missing from the loan file.    
xx 74721073 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 74721073 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers document is missing from the loan file.    
xx 74721073 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure document is missing from the loan file.    
xx 74721073 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index numerical value is unable to be confirmed from the given lenders documents.    
xx 74721073 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR document is missing from the loan file.    
xx 74721073 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Servicing comments are available from xx/xx/xxxx toxx/xx/xxxx. We require latest 24 months servicing comments. However, the servicing comments are missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 74721073 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer disclosure is missing from the loan file.    
xx 74721073 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in state of Florida. The following state disclosures are missing from the loan file.
1.Anti-Coercion Notice
2.Title Insurance Disclosure
3.Radon Gas Disclosure
4.Insurance Sales Disclosure		    
xx 8536834 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 8536834 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 8536834 xx 561 561-882 xx Non-QM QC Complete California xx Data Edit Data Edit Active B * Written or verbal dispute (Lvl 3) As per the collection comments, the borrower is disputing for late charges. Details are not found. No further details have been found stating the dispute is resolved.    
xx 8536834 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Amount of title insurance is less than mortgage amount (Lvl 3) As per the note, the original principal amount is xx. The final TPOL reflects insurance amount as xx.    
xx 8536834 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 8536834 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider is missing from the loan file.    
xx 8536834 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 8536834 xx 561 561-882 xx Non-QM QC Complete California xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Servicing comments are available from xx/xx/xxxx to xx/xx/xxxx and from xx/xx/xxxx to xx/xx/xxxx,  however, we require the latest 24 months servicing comments; Servicing comments are missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 8536834 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) )
The finance charge is $460,928.10. The disclosed finance charge of $460,802.10 is not considered accurate because it is
understated by more than $100.
This loan failed the TILA foreclosure rescission finance charge test. ( 12 CFR §1026.23(h) , transferred from 12 CFR
§226.23(h) )
The finance charge is $460,928.10. The disclosed finance charge of $460,802.10 is not considered accurate for purposes of
rescission because it is understated by more than $35.		    
xx 8536834 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) TILA Finance Charge Test: FAIL xx  xx -$126.00.
TILA Foreclosure Rescission Finance Charge Test: FAIL xx xx-$126.00.		    
xx 34462368 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 34462368 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 34462368 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 34462368 xx 561 561-882 xx Non-QM QC Complete Texas xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal report is missing from the loan file.    
xx 34462368 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
xx 34462368 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Good Faith Estimate missing or unexecuted (Lvl 2) Final GFE is missing from the loan file.    
xx 34462368 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 34462368 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 34462368 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Initial Good Faith Estimate is Missing (Lvl 2) Initial GFE is missing from the loan file.    
xx 34462368 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Initial Truth in Lending Disclosure is Missing (Lvl 2) Initial TIL is missing from the loan file.    
xx 34462368 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers document is missing from the loan file.    
xx 34462368 xx 561 561-882 xx Non-QM QC Complete Texas xx NPL NPL Active B * Payment History is not Complete (Lvl 3) Payment History is available from xx/xx/xxxx to xx/xx/xxxx and from xx/xx/xxxx to xx/xx/xxxx. We required latest 12 months payment history. However, the payment history is missing from xx/xx/xxxx till xx/xx/xxxx.    
xx 34462368 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Servicing comments are available from xx/xx/xxxx to xx/xx/xxxx and from xx/xx/xxxx toxx/xx/xxxx. We required latest 24 months servicing comments. However, servicing comments are missing from xx/xx/xxxx till xx/xx/xxxx and from xx/xx/xxxx till xx/xx/xxxx.    
xx 34462368 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer disclosure is missing from the loan file.    
xx 34462368 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Critical" (Lvl 2) The CE risk indicator is Critical as this is a HOEPA Higher-Priced Mortgage Loan and is failing HOEPA Higher-Priced Mortgage Loan Document Type Test. Loan is escrowed.    
xx 34462368 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) xx     
xx 34462368 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * ComplianceEase HOEPA Test Failed (Lvl 2) This loan failed the HOEPA higher-priced mortgage loan and has escrow collected.
The loan is a higher-priced mortgage loan and the document type of the loan is "No Asset Verification," "No Asset or Income Verification," "No Documentation," "No Income Verification,"
This loan does not collect reserves for the payment of homeowners insurance and property taxes for one of the following:
A higher-priced mortgage loan consummated regardless of loan amount, where an application is received on or after April 1, 2010.		    
xx 34462368 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA APR test.
The annual percentage rate (APR) is 10.071%. The disclosed APR of 0.000%.

This loan failed the HOEPA higher-priced mortgage loan test.
Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.		    
xx 64168405 xx 561 561-882 xx QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 64168405 xx 561 561-882 xx QM QC Complete Texas xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 3) 1. Annual County taxes of xx which are in the amount of $2,384.13 are currently delinquent which were earlier due on xx with an interest.

2. Annual County taxes of xx  which are in the amount of $1,865.88 are currently delinquent which were earlier due on xx with an interest.		    
xx 64168405 xx 561 561-882 xx QM QC Complete Texas xx Credit Doc Issue Active B * Good Faith Estimate missing or unexecuted (Lvl 2) Final GFE is missing from the loan file.    
xx 64168405 xx 561 561-882 xx QM QC Complete Texas xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) MI Certificate is missing from the loan file.    
xx 64168405 xx 561 561-882 xx QM QC Complete Texas xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comments are available in the loan file from xx/xx/xxxx toxx/xx/xxxx. We require latest 24 months servicing comments but servicing comments are missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 64168405 xx 561 561-882 xx QM QC Complete Texas xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) xx     
xx 64168405 xx 561 561-882 xx QM QC Complete Texas xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule as the loan is failed for QM safe Harbor threshold test as APR (6.317%) is exceeded APOR (5.880%) by 0.437%. The APR threshold is 5.880% and the subject loan is escrowed one.

Qualified Mortgage Safe Harbor Threshold: FAIL    Charged: 6.317%        Allowed: 5.880%     Over by: +0.437%		    
xx 64168405 xx 561 561-882 xx QM QC Complete Texas xx Compliance Compliance Active B * Higher Price Mortgage Loan (Lvl 2) This loan failed the higher-priced mortgage loan test as using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z and the subject loan is escrowed one.
While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.
 
Higher-Priced Mortgage Loan Test: FAIL   Charged: 6.317%      Allowed: 5.880%     Over by: +0.437%		    
xx 64168405 xx 561 561-882 xx QM QC Complete Texas xx Credit Credit Active B * FHA need to verify with HUD if still active (Lvl 4) This is FHA loan. The loan was originated on xx as an FHA loan with case #xx. No indication of any changes in loan type found in the loan file.    
xx 42516962 xx 561 561-882 xx Non-QM QC Complete Michigan xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) An affiliated business agreement disclosure is missing from the loan file.    
xx 42516962 xx 561 561-882 xx Non-QM QC Complete Michigan xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal report at origination is missing from the loan file.    
xx 42516962 xx 561 561-882 xx Non-QM QC Complete Michigan xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD along with an estimated HUD and itemization are missing from the loan file.    
xx 42516962 xx 561 561-882 xx Non-QM QC Complete Michigan xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final loan application/ 1003 is missing from the loan file.    
xx 42516962 xx 561 561-882 xx Non-QM QC Complete Michigan xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from loan file.    
xx 42516962 xx 561 561-882 xx Non-QM QC Complete Michigan xx Modification Write Down Active B * As per modification agreement lender has agreed to waive or forgive a large unpaid balance (Lvl 4) The loan was first modified on xx. According to the letter to the borrower xx in the amount of $112,918.60 had been reduced to $47,750.00. This reduction in the principal balance will be forgiven by the lender if the borrower does not default on the new payments.  This reduction in the principal balance exceeds 2.00% of the modified amount. The loan was again recently modified on xx with new UPB in the amount of xx. The current UPB per payment history is in the amount of $45,401.76. The borrower has been making payments in accordance with the terms of recent modification dated xx.    
xx 42516962 xx 561 561-882 xx Non-QM QC Complete Michigan xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) The original note has adjustable rate provision; however, the loan program disclosure is missing from the loan file.    
xx 42516962 xx 561 561-882 xx Non-QM QC Complete Michigan xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) The ROR document is missing from the loan file.    
xx 42516962 xx 561 561-882 xx Non-QM QC Complete Michigan xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comments are available from xx/xx/xxxx toxx/xx/xxxx, xx/xx/xxxx to xx/xx/xxxx,xx/xx/xxxx toxx/xx/xxxx,xx/xx/xxxx toxx/xx/xxxx,xx/xx/xxxx toxx/xx/xxxx,xx/xx/xxxx toxx/xx/xxxx and xx/xx/xxxx toxx/xx/xxxx. Hence, the servicing comments are missing from xx/xx/xxxx toxx/xx/xxxx, xx/xx/xxxx to xx/xx/xxxx,xx/xx/xxxx toxx/xx/xxxx,xx/xx/xxxx toxx/xx/xxxx,xx/xx/xxxx toxx/xx/xxxx,xx/xx/xxxx toxx/xx/xxxx and xx/xx/xxxx to xx/xx/xxxx as we require the latest 24 months servicing comments. However, the borrower has been current with payments since xx/xx/xxxx.    
xx 42516962 xx 561 561-882 xx Non-QM QC Complete Michigan xx Legal Docs Title Issue Active B * Title issue (Lvl 3) xx    
xx 78661273 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 78661273 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report at the time of origination is missing from the loan file.    
xx 78661273 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Property Active B * Property Damage (Lvl 4) As per the comment dated xx/xx/xxxx, the borrower stated that she was homeless due to the hurricane. The tree went straight through the property. The borrower stated that there were significant damages to the subject property. However, as per the disaster inspection report located at “xx”, reveals that the property damaged from Hurricane and estimated repair in the amount of $20,000.00. she was asking about the insurance claim to the lender. Then, the lender filed the insurance claim to the insurance company. The insurance company attached the insurance check in the amount of $14,964.84 and sent to the lender address. The lender disburses the check in the amount of $18,500.00 to Mosley contracting. However, no further details have been found regarding the completion of repair. Also, the latest inspection report is not available in the loan file.    
xx 78661273 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final Application/1003 is missing from the loan file.    
xx 78661273 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final Truth In Lending is missing from the loan file.    
xx 78661273 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Note / Mod Active B * Lost Note Affidavit (Lvl 3) Lost-note affidavit dated xx was found at location "xx" showing original note was misplaced, lost or destroyed. Copy of Note is also located in the same file.    
xx 78661273 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated Business Disclosure is missing from the loan file.    
xx 78661273 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) The Final HUD-1 along with estimated HUD-1 and itemization are missing from the loan file.    
xx 78661273 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) The Initial Escrow Account Disclosure is missing from the loan file.    
xx 78661273 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The List of Service Provider Disclosure is missing from the loan file.    
xx 78661273 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) The Right Of Rescission Document is missing from the loan file.    
xx 78661273 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comments are available from xx/xx/xxxx to xx/xx/xxxx. However, we require the latest 24 months of servicing comment. The servicing comments are missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 78661273 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The Servicing Transfer Disclosure is missing from the loan file.    
xx 78661273 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Florida state. The following state disclosures are missing from the loan file:
1.Anti-Coercion Notice.
2.Title Insurance Disclosure.
3.Radon Gas Disclosure.
4.Insurance Sales Disclosure.		    
xx 88639522 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 88639522 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Rvw shows prop. owner of record is not borr. (Lvl 2) xx    
xx 88639522 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report at origination is missing from the loan file.    
xx 88639522 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 3) According to the updated title report dated xx/xx/xxxx the county taxes are delinquent from xx  total in the amount of $480.89 and total payoff good through date is xx.    
xx 88639522 xx 561 561-882 xx Non-QM QC Complete Florida xx Data Edit Data Edit Active B * Deceased Borrower(s) (Lvl 3) According to the updated title report dated xx/xx/xxxx, the borrower,xx was deceased on xx. However, no details regarding the death certificate or probate has been found in the collection comments.

.		    
xx 88639522 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application is missing from the loan file.    
xx 88639522 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 88639522 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of service transfer disclosure is missing from the loan file.    
xx 88639522 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated Business Disclosure is missing from the loan file.    
xx 88639522 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 88639522 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Note / Mod Active B * Lost Note Affidavit (Lvl 3) The “Lost Note Affidavit” is available in the loan file with the locator#xx  which is stating that the original Note was destroyed or lost and there is a duplicate copy of Note is also available in the loan file. The loan was modified on xx.    
xx 88639522 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) The final HUD-1 is missing from the loan file. Also the itemization or estimated HUD-1 are not available in the loan file.    
xx 88639522 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider disclosure is missing from the loan file.    
xx 88639522 xx 561 561-882 xx Non-QM QC Complete Florida xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The payment history is available from xx/xx/xxxx toxx/xx/xxxx; however we required latest 12 months complete payment history. The payment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 88639522 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comments are available from xx/xx/xxxx to xx/xx/xxxx,xx/xx/xxxx,xx/xx/xxxx,xx/xx/xxxx toxx/xx/xxxx, xx/xx/xxxx toxx/xx/xxxx; however, we require latest 24 months complete comment history. The comments are missing from xx/xx/xxxx toxx/xx/xxxx,xx/xx/xxxx toxx/xx/xxxx,xx/xx/xxxx toxx/xx/xxxx, xx/xx/xxxx to xx/xx/xxxx.    
xx 88639522 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Florida State and the required disclosures are missing from the loan file as follow.
Anti-Coercion Notice.
Insurance Sales Disclosure.		    
xx 57667739 xx 561 561-882 xx Non-QM QC Complete Maryland xx Valuation Property Active B * Property Damage (Lvl 2) According to BPO report (xx) dated xx/xx/xxxx, the subject property needs to be repairs. The amount is not mentioned in the available inspection report. However, we are unable to determine whether the repairs have been completed or not as latest servicing comments do not provide any information regarding the damages and we also don’t have any latest BPO to verify the property condition. No details have been found regarding the insurance claim.    
xx 57667739 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit DTI Active B * DTI > 60% (Lvl 2) As per the final application, the total monthly expenses are $3588.51 and total monthly income is $4,673.52. However, the DTI exceeds 76.784%.    
xx 57667739 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1) Informational    
xx 57667739 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1) Informational    
xx 57667739 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider document is missing from the loan file.    
xx 57667739 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) The loan is a FHA loan. However, the MI certificate is required but missing from the loan file.    
xx 57667739 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
xx 57667739 xx 561 561-882 xx Non-QM QC Complete Maryland xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 57667739 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comments are available from xx/xx/xxxx toxx/xx/xxxx, xx/xx/xxxx to xx/xx/xxxx, xx/xx/xxxx,xx/xx/xxxx toxx/xx/xxxx,xx/xx/xxxx andxx/xx/xxxx to xx/xx/xxxx; however, we require the latest 24 months complete servicing comments. The servicing comments are missing from xx/xx/xxxx toxx/xx/xxxx, xx/xx/xxxx to xx/xx/xxxx,xx/xx/xxxx toxx/xx/xxxx,xx/xx/xxxx toxx/xx/xxxx and xx/xx/xxxx toxx/xx/xxxx.    
xx 57667739 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Maryland State. The following required state disclosures are missing from the loan file.
1.Affidavit of Consideration
2.Affidavit of Disbursement
3.First Time Buyers Affidavit
4.Notice of Right to Select Attorney, Title Insurance Company and Settlement Agent Disclosure
5.Balloon Payment
6.No Escrow Account
7.Mandatory Binding Arbitration Disclosures
8.Home Buyer Education and Counseling Disclosure		    
xx 57667739 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 57667739 xx 561 561-882 xx Non-QM QC Complete Maryland xx Valuation Appraisal Active B * Variation in Parcel number(APN#) (Lvl 2) xx    
xx 57667739 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Credit Active B * FHA need to verify with HUD if still active (Lvl 4) This is FHA loan. The loan was originated on xx as an FHA loan with case #xx. No indication of any changes in loan type found in the loan file.    
xx 57667739 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 2) xx    
xx 50470589 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 4) 1. The 1st installment of County taxes for xx  are currently delinquent in the total amount of $2,267.59 which are good through xx.

2. The annual County taxes for xx are currently delinquent in the total amount of $8,424.12 which are good through xx

The cumulative outstanding delinquent taxes on the subject property (xx) for xx exceeded 8% of the loan amount.		    
xx 50470589 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 50470589 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 50470589 xx 561 561-882 xx Non-QM QC Complete Ohio xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan file.    
xx 50470589 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final Application is missing from the loan file.    
xx 50470589 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 is missing from the loan file. Also the itemization or estimated HUD-1 are missing from the loan file.    
xx 50470589 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 50470589 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan file.    
xx 50470589 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Providers is missing from the loan file.    
xx 50470589 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) Right of Rescission is missing from the loan file.    
xx 50470589 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing Transfer Disclosure is missing from the loan file.    
xx 50470589 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comments are available from xx/xx/xxxx to xx/xx/xxxx,xx/xx/xxxx toxx/xx/xxxx,xx/xx/xxxx toxx/xx/xxxx and from xx/xx/xxxx toxx/xx/xxxx; however we require latest 24 months complete comment history. The comments are missing from xx/xx/xxxx toxx/xx/xxxx,xx/xx/xxxx toxx/xx/xxxx and from xx/xx/xxxx toxx/xx/xxxx.    
xx 50470589 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Ohio State and the required disclosures are missing from the loan file as follow.
i. Equal Credit Availability Notice
ii. Insurance Tying Disclosure
iii. Non-Deposit Insurance Disclosure		    
xx 50470589 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) This is FHA loan and the required MI Cert is missing from the loan file.    
xx 50470589 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Credit Active B * FHA need to verify with HUD if still active (Lvl 4) This is FHA loan. The loan was originated on xx as an FHA loan with case #xx. No indication of any changes in loan type found in the loan file.    
xx 71235993 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 71235993 xx 561 561-882 xx Non-QM QC Complete Indiana xx NPL General Active B * Water/Sewer Taxes (Lvl 3) According to the review of the updated title report dated xx/xx/xxxx, the utilities charge of the year xx are delinquent in  the amount ofxx.    
xx 71235993 xx 561 561-882 xx Non-QM QC Complete Indiana xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 71235993 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Credit Active B * Junior lien 1 started foreclosure, needs further investigation (Lvl 2) xx    
xx 71235993 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application/1003 is missing from the loan file.    
xx 71235993 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow account disclosure is missing from the loan file.    
xx 71235993 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from the loan file.    
xx 71235993 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by the borrower.    
xx 71235993 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The collection comments are available from xx/xx/xxxx to xx/xx/xxxx; however, we required the latest 24 months of collection comments. The collection comments are missing from xx/xx/xxxx to xx/xx/xxxx, from xx/xx/xxxx to xx/xx/xxxx,  from xx/xx/xxxx to xx/xx/xxxx and also from xx/xx/xxxx to xx/xx/xxxx.    
xx 71235993 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Indiana State. The Following require state disclosures of Indiana state are missing from the loan file.
·Hazard Insurance Disclosure
·Federal Consumer Credit Protection Act Disclosure
·Insurance Freedom of Choice Disclosure		    
xx 71235993 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the Indiana license validation test.    
xx 71235993 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active B * ComplianceEase Exceptions Test Failed (Lvl 2) This loan failed the Indiana license validation test.
Indiana House Enrolled Act 1359 requires the Indiana Department of Financial Institutions to begin regulation of both first and
subordinate lien mortgage lending under the First Lien Mortgage Lending License and Subordinate Lien Mortgage Lending
License. As a result, lenders will no longer be allowed to make loans under the Indiana Unregulated (1st Lien), Unregulated
UCCC, Consumer Loan License, Consumer Loan License UCCC, or the Exemption Letter UCCC.
The Indiana First Lien Mortgage Lending License and Indiana Subordinate Lien Lending License are not available for loans with
a closing date before the Act's effective date of January 1, 2009.		    
xx 19281312 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 19281312 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Form is missing from loan file.    
xx 19281312 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Initial Truth in Lending Disclosure is Missing (Lvl 2) Initial Truth in Lending Disclosure is missing from loan file.    
xx 19281312 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider is missing from loan file.    
xx 19281312 xx 561 561-882 xx Non-QM QC Complete Maryland xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) The assignment from xx is missing in the file.
The last chain of assignment is from xx.		    
xx 19281312 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The comments history is available from xx/xx/xxxx till xx/xx/xxxx, we require recent 24 months of comment history, the comment history is missing from xx/xx/xxxx till xx/xx/xxxx and from xx/xx/xxxx till xx/xx/xxxx.    
xx 19281312 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The following state disclosures are missing from loan file;
Affidavit of Consideration, Affidavit of Disbursement, First Time Buyers Affidavit, Notice of Right to Select Attorney, Title Insurance Company and Settlement Agent Disclosure, Balloon Payment, No Escrow Account, Mandatory Binding Arbitration Disclosures.		    
xx 21741113 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 21741113 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 21741113 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) According to the Updated Title Report dated xx/xx/xxxx, the Subject Mortgage, originated on xx, is in 2nd lien position due to an unreleased prior mortgage of record. The prior mortgage was originated xx. No release was found for said senior mortgage. Final HUD-1 does not show any payoff. The Final Title Policy at origination under Schedule B clause#xx states Bxx".    
xx 21741113 xx 561 561-882 xx Non-QM QC Complete Maryland xx Legal Docs Doc Issue Active B * Condo / PUD rider Missing (Lvl 2) As per Appraisal report the subject property type is PUD. However, PUD rider is missing from the loan file.    
xx 21741113 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 2) Annual county taxes of xx have been delinquent in the amount of $1864.51 they are good through till xx    
xx 21741113 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final Application is missing from the loan file.    
xx 21741113 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 21741113 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The collection comments are available from xx/xx/xxxx to xx/xx/xxxx. However, we require the latest 24 months of collection comments. The collection comments are missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 21741113 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service providers is missing from the loan file.    
xx 21741113 xx 561 561-882 xx Non-QM QC Complete Maryland xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The payment history is available from xx/xx/xxxx to xx/xx/xxxx and from xx/xx/xxxx to xx/xx/xxxx. However, we require the latest 12 months of payment history. The payment history is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 21741113 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
xx 21741113 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) xx    
xx 21741113 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Maryland State. The following required state disclosures are missing from the loan file.
1.Affidavit of Consideration
2.Affidavit of Disbursement
3.First Time Buyers Affidavit
4.Notice of Right to Select Attorney, Title Insurance Company and Settlement Agent Disclosure
5.Balloon Payment
6.No Escrow Account
7.Mandatory Binding Arbitration Disclosures
8.Home Buyer Education and Counseling Disclosure		    
xx 21741113 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.
The finance charge is $149,556.97. The disclosed finance charge of $118,312.53 is not considered accurate because it is understated by more than $100.
The loan data is $118,312.53 and the comparison data is $149,556.97; hence, the variance is -$31,244.44.

This loan failed the TILA foreclosure rescission finance charge test.
The finance charge is $149,556.97. The disclosed finance charge of $118,312.53 is not considered accurate for purposes of rescission because it is understated by more than $35.
The loan data is $118,312.53 and the comparison data is $149,556.97; hence, the variance is -$31,244.44.

This loan failed the TILA APR test.
The annual percentage rate (APR) is 7.473%. The disclosed APR of 6.247% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.
The loan data is 6.247% and the comparison data is 7.473%; hence, the variance is  -1.226%.		    
xx 21741113 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA finance charge test.
This loan failed the TILA foreclosure rescission finance charge test.
This loan failed the TILA APR test.		    
xx 82127420 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 82127420 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 82127420 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 82127420 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business form disclosure is missing from the loan file.    
xx 82127420 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * ROR Transaction date not consistent with Note and/or HUD (Lvl 2) As per ROR, transaction date is xx. Which is different than Note date xx.    
xx 82127420 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 82127420 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Rvw shows prop. owner of record is not borr. (Lvl 2) xx    
xx 82127420 xx 561 561-882 xx Non-QM QC Complete California xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Collection comments are available from xx/xx/xxxx toxx/xx/xxxx. COllection comments are missing from xx/xx/xxxx toxx/xx/xxxx as we require for latest 24 months.    
xx 82127420 xx 561 561-882 xx Non-QM QC Complete California xx Credit Credit Active B * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 is missing from the loan file. However, fees are updated from fee schedule document located at#xx.    
xx 82127420 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Following state disclosures are missing from the loan file.
Impound Account Disclosure
Cosigner Notice
Private Mortgage Insurance Disclosure
Hazard Insurance Disclosure
Insurer RecommendationDisclosure
Anti-Tying Disclosure
Privacy Notice
Notice of Right to Copy of Appraisal
Application for Credit-Married Persons
Fair Debt Collection Notice
Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 82127420 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) Initial escrow acct disclosure is missing from the loan file.    
xx 82127420 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
xx 82127420 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Mortgage Active B * Mortgage  (Lvl 2) Subject loan was originated under jumbo loan category.    
xx 82127420 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 48680076 xx 561 561-882 xx Non-QM QC Complete Colorado xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 48680076 xx 561 561-882 xx Non-QM QC Complete Colorado xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 48680076 xx 561 561-882 xx Non-QM QC Complete Colorado xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Form is missing from the loan file.    
xx 48680076 xx 561 561-882 xx Non-QM QC Complete Colorado xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Latest servicing comments are available from xx/xx/xxxx to xx/xx/xxxx and from xx/xx/xxxx toxx/xx/xxxx. However, we require latest 24 months servicing comment. Servicing comments are missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 48680076 xx 561 561-882 xx Non-QM QC Complete Colorado xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider is missing from the loan file.    
xx 48680076 xx 561 561-882 xx Non-QM QC Complete Colorado xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 48680076 xx 561 561-882 xx Non-QM QC Complete Colorado xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Subject property is located at CO State.
Following state disclosures are missing from the loan file. :-
Cash-Out Refinance Disclosure.
Property Insurance Disclosure.
Colorado Notice to Cosigner.
Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application.		    
xx 48680076 xx 561 561-882 xx Non-QM QC Complete Colorado xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 48680076 xx 561 561-882 xx Non-QM QC Complete Colorado xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.
The finance charge is $318,163.74. The disclosed finance charge of $317,905.74 is not considered accurate because it is understated by more than $100.
Loan data is $317905.74 which is compared with $318163.74 and variance is -$258.00.
This loan failed the TILA foreclosure rescission finance charge test.
The finance charge is $318,163.74. The disclosed finance charge of $317,905.74 is not considered accurate for purposes of rescission because it is understated by more than $35.
Loan data is $317905.74 which is compared with $318163.74 and variance is -$258.00.		    
xx 48680076 xx 561 561-882 xx Non-QM QC Complete Colorado xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA finance charge test.
This loan failed the TILA foreclosure rescission finance charge test.		    
xx 59511480 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 59511480 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) “This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."    
xx 59511480 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 is missing from loan file.    
xx 59511480 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The List of service provider disclosure is missing from loan file.    
xx 59511480 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comments are available from xx/xx/xxxx toxx/xx/xxxx, xx/xx/xxxx to xx/xx/xxxx; however, we require latest 24 months complete comment history. The comments are missing from xx/xx/xxxx toxx/xx/xxxx,xx/xx/xxxx toxx/xx/xxxx and from xx/xx/xxxx toxx/xx/xxxx.    
xx 59511480 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) xx     
xx 57916449 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Form is missing from the loan file.    
xx 57916449 xx 561 561-882 xx Non-QM QC Complete Georgia xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal report is missing from the loan file .    
xx 57916449 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application is missing from the loan file.    
xx 57916449 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Good Faith Estimate missing or unexecuted (Lvl 2) Final Good Faith Estimate is missing from the loan file.    
xx 57916449 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Initial Good Faith Estimate is Missing (Lvl 2) Initial Good Faith Estimate is missing from the loan file.    
xx 57916449 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Initial Truth in Lending Disclosure is Missing (Lvl 2) Initial Truth in lending is missing from the loan file.    
xx 57916449 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Services Providers is missing from the loan file.    
xx 57916449 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 57916449 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer Disclosure is missing from the loan file.    
xx 57916449 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The comment history is available from xx/xx/xxxx  toxx/xx/xxxx. However, as we require the latest 24 months payment. The comment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 57916449 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) The final Hud-1 settlement statement along with itemization are missing from the loan file.    
xx 57916449 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) The final TIL is missing from the loan file    
xx 57916449 xx 561 561-882 xx Non-QM QC Complete Georgia xx Legal Docs Doc Issue Active B * Missing Title evidence (Lvl 4) The final Title policy at origination is missing from the loan file and there is no commitment / preliminary report is available in the file either.    
xx 57916449 xx 561 561-882 xx Non-QM QC Complete Georgia xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 57916449 xx 561 561-882 xx Non-QM QC Complete Georgia xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located at GA State. The following state disclosures are missing from the loan files.
.·Waiver of Borrowers Rightsand Closing Attorney Affidavit (not required by law but provided as a matter of custom).
.·Disclosure of Additional Fees.		    
xx 55782900 xx 561 561-882 xx Non-QM QC Complete Nevada xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 55782900 xx 561 561-882 xx Non-QM QC Complete Nevada xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 55782900 xx 561 561-882 xx Non-QM QC Complete Nevada xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Available collection comments are incomplete. Collection comments are available from xx/xx/xxxx to xx/xx/xxxx; however, we require latest 24 months collection comments. Collection comments are missing from xx/xx/xxxx to xx/xx/xxxx, xx/xx/xxxx to xx/xx/xxxx, xx/xx/xxxx to xx/xx/xxxx and xx/xx/xxxx to xx/xx/xxxx.    
xx 55782900 xx 561 561-882 xx Non-QM QC Complete Nevada xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Compliance Ease risk indicator is being failed for TILA Foreclosure Rescission Finance Charge Test.

TILA Foreclosure Rescission Finance Charge Test is fail. Loan data is$283,323.63 and comparison data is $283,359.26. Hence, the variance is -$35.63.		    
xx 55782900 xx 561 561-882 xx Non-QM QC Complete Nevada xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
xx 55782900 xx 561 561-882 xx Non-QM QC Complete Nevada xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Acct Disclosure is missing from the loan file.    
xx 55782900 xx 561 561-882 xx Non-QM QC Complete Nevada xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider is missing from the loan file.    
xx 55782900 xx 561 561-882 xx Non-QM QC Complete Nevada xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA foreclosure rescission finance charge test.
The finance charge is $283,359.26. The disclosed finance charge of $283,323.63 is not considered accurate for purposes of
rescission because it is understated by more than $35.		    
xx 5079826 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Title Review Active B * Active State Tax Lien Judgement. (Lvl 2) As per the updated title report dated xx/xx/xxxx, there is state tax lien against the subject borrower in the amount of $189.95 which was recorded on xx.    
xx 5079826 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Comment History is available from xx/xx/xxxx tillxx/xx/xxxx. However, we require latest 24 months comments history. Comments are missing from xx/xx/xxxx tillxx/xx/xxxx.    
xx 5079826 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
xx 5079826 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 is missing from the loan file. Also, there is no estimated HUD-1 or itemization available in the loan file.    
xx 5079826 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Following state disclosures are missing from the loan file.
Equal Credit Availability Notice
Insurance Tying Disclosure
Non-Deposit Insurance Disclosure		    
xx 5079826 xx 561 561-882 xx Non-QM QC Complete Ohio xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 5079826 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) LTV is xx  which is greater than xx hence MI certificate is required; however, it is missing from the loan file.    
xx 5079826 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of service transfer disclosure is missing from the loan file.    
xx 5079826 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from the loan file.    
xx 5079826 xx 561 561-882 xx Non-QM QC Complete Ohio xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 33337854 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 33337854 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 33337854 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Application Missing (Lvl 2) 1003 is missing from the loan file along with transmittal.    
xx 33337854 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 33337854 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 33337854 xx 561 561-882 xx Non-QM QC Complete Texas xx Legal Docs Doc Issue Active B * Missing Title evidence (Lvl 4) Final Title policy is missing from the loan file; however commitment and short form also not available.    
xx 33337854 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 33337854 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from the loan file.    
xx 33337854 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The CE risk indicator is Moderate as the loan failed the TILA foreclosure rescission finance charge test.
The finance charge is xx. The disclosed finance charge of xx is not considered accurate for purposes of
rescission because it is understated by more than $35.		    
xx 33337854 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The collection comments are available from xx/xx/xxxx toxx/xx/xxxx and xx/xx/xxxx toxx/xx/xxxx. We required latest 24 months comment history. The collection comments are missing from xx/xx/xxxx toxx/xx/xxxx andxx/xx/xxxx to xx/xx/xxxx andxx/xx/xxxx toxx/xx/xxxx.    
xx 33337854 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) xx     
xx 33337854 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA foreclosure rescission finance charge test.
TILA Foreclosure Rescission Finance Charge Test: FAIL Loan data $32,991.76 Comparison data $33,042.83 Variance -$51.07.		    
xx 2228846 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 2228846 xx 561 561-882 xx Non-QM QC Complete Texas xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal report is missing from the loan file.    
xx 2228846 xx 561 561-882 xx Non-QM QC Complete Texas xx Legal Docs Doc Issue Active B * Amount of title insurance is less than mortgage amount (Lvl 2) As per the Note and mortgage, the original balance is xx. However, as per the final title policy, the amount of insurance is  xx which is less than mortgage amount.    
xx 2228846 xx 561 561-882 xx Non-QM QC Complete Texas xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 2228846 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Collection comments are available from xx/xx/xxxx toxx/xx/xxxx. However, we require latest 24 months collection comments. Collection comments are missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 2228846 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application is missing from the loan file.    
xx 2228846 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 along with estimated HUD and itemization are missing from the loan file.    
xx 2228846 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 2228846 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) xx     
xx 2228846 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow account disclosure is missing from the loan file.    
xx 2228846 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers disclosure is missing from the loan file.    
xx 2228846 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is missing from the loan file.    
xx 2228846 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated Business disclosure is missing from the loan file.    
xx 37453459 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 37453459 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 37453459 xx 561 561-882 xx Non-QM QC Complete Texas xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) According to the updated title report dated xx/xx/xxxx, the chain of assignment has been completed. The last assignment was done from xx. However, there is a break in assignment which was done from xx.    
xx 37453459 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business from is missing from the loan file.    
xx 37453459 xx 561 561-882 xx Non-QM QC Complete Texas xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal Report is missing from the loan file.    
xx 37453459 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 37453459 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan.    
xx 37453459 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by the borrower.    
xx 37453459 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing Transfer Disclosure is missing from the loan file.    
xx 37453459 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The collection comments are available from xx/xx/xxxx toxx/xx/xxxx. However, we require a complete 24 months of the collection comments. The collection comments are missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 37453459 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Application Missing (Lvl 2) The Final Application/1003 is missing from the loan file.    
xx 37453459 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The List of service provider disclosure is missing from the loan file.    
xx 37453459 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) xx     
xx 37453459 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA APR test.    
xx 37453459 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA APR test.
The annual percentage rate (APR) is 9.943%. The disclosed APR of 0.000% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.
TILA APR Test: FAIL Loan Data: 0.000%, Comparison Data: 9.943%; hence, variance: -9.943%.		    
xx 99346845 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 99346845 xx 561 561-882 xx Non-QM QC Complete Maryland xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal report is missing from the loan file.    
xx 99346845 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
xx 99346845 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 along with estimated HUD-1 and itemization is missing from the loan file.    
xx 99346845 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 99346845 xx 561 561-882 xx Non-QM QC Complete Maryland xx Legal Docs Note / Mod Active B * Lost Note Affidavit (Lvl 3) Lost note affidavit dated xxwas found in the loan file located at (xx) as original note was misplaced, lost or destroyed. And duplicate copy / attested copy of note are also available in the loan file.    
xx 99346845 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 3) MI certificate is missing from the loan file.    
xx 99346845 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR document is missing from the loan file.    
xx 99346845 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Service transfer disclosure is missing from the loan file.    
xx 99346845 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Servicing comments are available from xx/xx/xxxx toxx/xx/xxxx. We require latest 24 months servicing comments. However, servicing comments are missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 99346845 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Credit Active B * FHA need to verify with HUD if still active (Lvl 4) This is FHA loan. The loan was originated on xx as an FHA loan with case #xx. No indication of any changes in loan type found in the loan file.    
xx 20804549 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 20804549 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 20804549 xx 561 561-882 xx Non-QM QC Complete Maryland xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal report is missing from the loan file.    
xx 20804549 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 20804549 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is missing from the loan file.    
xx 20804549 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 20804549 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The collection comments are available from xx/xx/xxxx to xx/xx/xxxx. However, we require a complete 24 months of collection comments. The collection comments are missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 20804549 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider document is missing from the loan file.    
xx 20804549 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
xx 20804549 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in Maryland State. The following required state disclosures are missing from the loan file.
1. Affidavit of Consideration
2. Affidavit of Disbursement
3. First Time Buyers Affidavit
4. Notice of Right to Select Attorney, Title Insurance Company and Settlement Agent Disclosure
5. No Escrow Account
6. Mandatory Binding Arbitration Disclosures
7. Home Buyer Education and Counseling Disclosure		    
xx 20804549 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.
The finance charge is $203,135.25. The disclosed finance charge of $202,640.25 is not considered accurate because it is understated by more than $100.
TILA Finance Charge Test: FAIL Loan data: $202,640.25, Comparison data: $203,135.25; hence, variance: -$495.00.

This loan failed the TILA foreclosure rescission finance charge test.
The finance charge is $203,135.25. The disclosed finance charge of $202,640.25 is not considered accurate for purposes of rescission because it is understated by more than $35.
TILA Foreclosure Rescission Finance Charge Test: FAIL Loan data: $202,640.25, Comparison data: $203,135.25; hence, variance: -$495.00.		    
xx 20804549 xx 561 561-882 xx Non-QM QC Complete Maryland xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA foreclosure rescission finance charge test.
This loan failed the TILA finance charge test.		    
xx 99624940 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 3) 1. The 2nd installment of annual County taxes of xx are currently delinquent in the amount of $3,186.11  which were earlier due on xx.

2. The 2nd installment of annual County taxes of xx are currently delinquent in the amount of $2,407.69   which were earlier due on xx.		    
xx 99624940 xx 561 561-882 xx Non-QM QC Complete Maryland xx Data Edit Data Edit Active B * Water/Sewer Taxes (Lvl 3) xx    
xx 99624940 xx 561 561-882 xx Non-QM QC Complete Maryland xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report at origination is missing from the loan file.    
xx 99624940 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Application Missing (Lvl 3) Final 1003 is missing from the loan file.    
xx 99624940 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) The final HUD-1 along with preliminary HUD-1, Fee itemization, closing instructions are also missing from the loan file.    
xx 99624940 xx 561 561-882 xx Non-QM QC Complete Maryland xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) The final TIL is missing from the loan file.    
xx 99624940 xx 561 561-882 xx Non-QM QC Complete Maryland xx Legal Docs Doc Issue Active B * Missing Title evidence (Lvl 4) The final Title Policy along with the preliminary title policy and Title commitment are also missing from the loan file.    
xx 60612864 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 60612864 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 60612864 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Good Faith Estimate missing or unexecuted (Lvl 2) Final GFE is missing from the loan file.    
xx 60612864 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 60612864 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Initial Good Faith Estimate is Missing (Lvl 2) Initial GFE is missing from the loan file.    
xx 60612864 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Initial Truth in Lending Disclosure is Missing (Lvl 2) Initial TIL is missing from the loan file.    
xx 60612864 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider document is missing from the loan file.    
xx 60612864 xx 561 561-882 xx Non-QM QC Complete Texas xx NPL NPL Active B * Payment History is not Complete (Lvl 3) Payment history is available from xx/xx/xxxx toxx/xx/xxxx. We require latest 12 months payment history. However, payment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 60612864 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Servicing comments are available from xx/xx/xxxx toxx/xx/xxxx and from xx/xx/xxxx toxx/xx/xxxx. We require latest 24 months servicing comments. However, servicing comments are missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 60612864 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer disclosure is missing from the loan file.    
xx 60612864 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) xx     
xx 77360815 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 77360815 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 77360815 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) ComplianceEase risk indicator is elevated due to GSE (Fannie Mae public guidelines) Predatory Lending Guidance and GSE (Fannie Mae public guidelines) Points and Fees Test failed.

This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.		    
xx 77360815 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 77360815 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers document is missing from the loan file.    
xx 77360815 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx NPL NPL Active B * Payment History is not Complete (Lvl 3) Payment history is available from xx/xx/xxxx toxx/xx/xxxx. We require latest 12 months payment history. However, the payment history is missing from xx/xx/xxxx toxx/xx/xxxx and from xx/xx/xxxx toxx/xx/xxxx.    
xx 77360815 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Servicing comments are available from xx/xx/xxxx toxx/xx/xxxx. We require latest 24 months servicing comments. However, servicing comments are missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 77360815 xx 561 561-882 xx Non-QM QC Complete Pennsylvania xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer disclosure is missing from the loan file.    
xx 42639662 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 42639662 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 42639662 xx 561 561-882 xx Non-QM QC Complete Texas xx Valuation Property Active B * Property Damage (Lvl 2) According to the comment dated xx/xx/xxxx states that the subject property is located in xx and as per comment dated xx/xx/xxxx the property was damaged. The insurance claim was filed. The comment dated xx/xx/xxxx states that the borrower inquired on the claim funds that have not been disbursed yet as the claim reviewed from 2016. The latest comment dated xx/xx/xxxx shows that borrower requested to mail the packet to start the repair process on his house and the insurance packet claim was received on xx/xx/xxxx. The estimated cost of repair has not been mentioned in the available servicing comments. There is no further information provided regarding damage has been repaired or not and the claim has been settled or not. Also the latest BPO report is not available in the loan file.    
xx 42639662 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 42639662 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final Application is missing from loan file.    
xx 42639662 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Other Disclosures Active B * Missing Required Disclosures (Lvl 2) List of service provider is missing from the loan file.    
xx 42639662 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * Operative Index Numerical Value Unavailable based on lender docs (Lvl 2) Operative index numerical value is unavailable as the supportive documents such as Loan program disclosure/Rate lock agreement/Closing instruction are missing from the loan file.    
xx 42639662 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated Business Disclosure is missing from loan file.    
xx 42639662 xx 561 561-882 xx Non-QM QC Complete Texas xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The latest payment history is available from xx/xx/xxxx toxx/xx/xxxx; however we require latest 12 months complete payment history. The payment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 42639662 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comments are available from xx/xx/xxxx toxx/xx/xxxx and from xx/xx/xxxx toxx/xx/xxxx; however, we require latest 24 months complete servicing comments. The servicing comments are missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 42639662 xx 561 561-882 xx Non-QM QC Complete Texas xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 42639662 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) xx     
xx 42639662 xx 561 561-882 xx Non-QM QC Complete Texas xx Legal Docs Doc Issue Active B * Mortgage - Missing required ARM Rider (Lvl 2) This is ARM loan and the required adjustable Rate Rider is missing from loan file.    
xx 50933274 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 50933274 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business from is missing from the loan file.    
xx 50933274 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The comment history is available from xx/xx/xxxx toxx/xx/xxxx andxx/xx/xxxx to xx/xx/xxxx. Hence, the comment history is missing from xx/xx/xxxx toxx/xx/xxxx and xx/xx/xxxx toxx/xx/xxxx.    
xx 50933274 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The List of service provider disclosure is missing from the loan file.    
xx 50933274 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Good Faith Estimate missing or unexecuted (Lvl 2) The loan was originated after xx. However, the final GFE is missing from the loan file.    
xx 50933274 xx 561 561-882 xx Non-QM QC Complete Texas xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The payment history is available from xx/xx/xxxx toxx/xx/xxxx. Hence, the payment history is missing from xx/xx/xxxx toxx/xx/xxxx as we required latest 12 months payment history.    
xx 50933274 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) xx     
xx 96566593 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 96566593 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 96566593 xx 561 561-882 xx Non-QM QC Complete New York xx Credit DTI Active B * DTI > 60% (Lvl 2) As per the final loan application the total income is $2380.58 and total expenses are in the amount of $2262.06, hence the DTI is more than 60.%
.		    
xx 96566593 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The following state disclosures are missing in the loan files.
 Commitment Disclosure.
Subprime Home Loan Disclosure. Subprime Home Loan Counseling Disclosure.
Smoke Alarm Affidavit.
Default Warning Notice.
Co-Signer Notice Requirements.
Co-Signer Notice Requirements.
Alternative Mortgage Transaction Disclosures.
Part 80 Disclosure.
Mortgage Bankers and Exempt Organizations Preapplication.
Tax Escrow Account Designation,NY Hazard Insurance  Disclosure.
NY Consumer Credit Disclosure / Fair Credit Reporting Notice.		    
xx 96566593 xx 561 561-882 xx Non-QM QC Complete New York xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The Payment history is available in the file from xx/xx/xxxx toxx/xx/xxxx; however, we require latest 12 months payment history. Payment history is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 96566593 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA finance charge test.
TILA Finance Charge Test: FAIL Loan Data xx  Comparison Data xx Difference -$228.23.

This loan failed the TILA foreclosure rescission finance charge test.
TILA Foreclosure Rescission Finance Charge Test: FAIL Loan Data  xx Comparison Data xx Difference -$228.23		    
xx 96566593 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.
TILA Finance Charge Test: FAIL Loan Data $139,646.54 Comparison Data $139,874.77 Difference -$228.23.
The finance charge is $139,874.77. The disclosed finance charge of $139,646.54 is not considered accurate because it is understated by more than $100.

This loan failed the TILA foreclosure rescission finance charge test.
TILA Foreclosure Rescission Finance Charge Test: FAIL Loan Data  $139,646.54 Comparison Data $139,874.77 Difference -$228.23

The finance charge is $139,874.77. The disclosed finance charge of $139,646.54 is not considered accurate for purposes of rescission because it is understated by more than $35.		    
xx 77540817 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 77540817 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 77540817 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 77540817 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan file.    
xx 77540817 xx 561 561-882 xx Non-QM QC Complete Tennessee xx NPL NPL Active B * Payment History is not Complete (Lvl 3) Latest payment history is available from xx/xx/xxxx toxx/xx/xxxx. However, we require latest 12 months payment history. Payment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 77540817 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Latest servicing comments are available from xx/xx/xxxx toxx/xx/xxxx. However, we require latest 24 months servicing comment. Servicing comments are missing from xx/xx/xxxx to xx/xx/xxxx and from xx/xx/xxxx toxx/xx/xxxx.    
xx 77540817 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider is missing from the loan file.    
xx 77540817 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
xx 77540817 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) MI Certificate is missing from the loan file.    
xx 77540817 xx 561 561-882 xx Non-QM QC Complete Tennessee xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 69092560 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 69092560 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 69092560 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 69092560 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) xx    
xx 69092560 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated Business disclosure is missing from the loan file.    
xx 69092560 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The collection comments are available from xx/xx/xxxx toxx/xx/xxxx. However, we require the latest 24 months of collection comments. The comments are missing from xx/xx/xxxx toxx/xx/xxxx, from xx/xx/xxxx toxx/xx/xxxx and from xx/xx/xxxx toxx/xx/xxxx.    
xx 69092560 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service providers disclosure is missing from the loan file.    
xx 69092560 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) The loan program disclosure is missing from the loan file.    
xx 69092560 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) The operative index value is unable to be determined since the supporting documents are missing from the loan file.    
xx 69092560 xx 561 561-882 xx Non-QM QC Complete New Jersey xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The payment history is available from xx/xx/xxxx toxx/xx/xxxx. However, we require the latest 12 months of the payment history. The payment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 69092560 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The Servicing Transfer disclosure is missing from the loan file.    
xx 69092560 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in the state of New Jersey. The following state disclosures are missing from the loan file.
1. NJ Application Disclosure.
2. Delivery Fee Authorization.
3. NJ Attorney Disclosure.
4. Unacceptability of Insurance Notice.
5. Attorney Disclosure II.
6. Tax Bill Information.
7. Private Well Testing.
8. Lock-In Agreement.
9. Commitment Disclosures.
10. Choice of Insurer Disclosure.
11. Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application.		    
xx 69092560 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test.    
xx 69092560 xx 561 561-882 xx Non-QM QC Complete New Jersey xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test.
The loan does charge fee(s) not provided for in this act, which is prohibited.
A person licensed as a mortgage broker shall have the right to charge only the following fees: (1) application fee; and (2)discount points which may be labeled as an origination fee.		    
xx 4149055 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Note / Mod Active B * Lost Note Affidavit (Lvl 3) xx     
xx 4149055 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 4149055 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal report is missing from the loan file.    
xx 4149055 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 4149055 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application is missing from the loan file.    
xx 4149055 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Doc Issue Active B * Missing Title evidence (Lvl 4) Final Title Policy at origination is missing in the loan file and there is no commitment / preliminary report is available in the file either.    
xx 4149055 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow acct disclosure is missing from the loan file.    
xx 4149055 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of service transfer disclosure is missing from the loan file.    
xx 4149055 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 4149055 xx 561 561-882 xx Non-QM QC Complete California xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The collection comments are available from xx/xx/xxxx toxx/xx/xxxx. We require the latest 24 months of collection comments. collection comments are missing from xx/xx/xxxx toxx/xx/xxxx and from xx/xx/xxxx toxx/xx/xxxx and xx/xx/xxxx to xx/xx/xxxx.    
xx 4149055 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The following disclosures are missing from the loan file,
1. Impound Account Disclosure
2. Cosigner Notice
3. Private Mortgage Insurance Disclosure
4. Hazard Insurance Disclosure
5. Insurer Recommendation Disclosure
6. CA Fair Lending Notice
7. Anti-Tying Disclosure
8. Privacy Notice
9. Notice of Right to Copy of Appraisal
10. Application for Credit-Married Persons
11. Fair Debt Collection Notice
12. Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 4149055 xx 561 561-882 xx Non-QM QC Complete California xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) The HUD-1 along with estimated HUD and itemization  are missing from the loan file.    
xx 4149055 xx 561 561-882 xx Non-QM QC Complete California xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The payment history is available from xx/xx/xxxx toxx/xx/xxxx. We require the latest 12 months payment history. The payment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 53024951 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 53024951 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 53024951 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business disclosure is missing from the loan file.    
xx 53024951 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan file.    
xx 53024951 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 3) xx    
xx 53024951 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final Application is missing from the loan file.    
xx 53024951 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Providers Disclosures is missing from the loan file.    
xx 53024951 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Legal Docs Note / Mod Active B * Lost Note Affidavit (Lvl 3) Lost-note affidavit dated xx  was found at location " xx" showing original note was misplaced, lost or destroyed. Copy of Note is also located in the same file.    
xx 53024951 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 53024951 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer Disclosure Document is missing from the loan file.    
xx 53024951 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comments are available from xx/xx/xxxx toxx/xx/xxxx . However, we require the latest 24 months’ servicing comments. The servicing comments are missing from xx/xx/xxxx toxx/xx/xxxx,xx/xx/xxxx toxx/xx/xxxx andxx/xx/xxxx toxx/xx/xxxx.    
xx 53024951 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in NC state. The following state disclosure is missing from the loan file.
Amortization Schedule Disclosure
Credit Property Insurance Disclosure
Fee Agreement
Priority of Security Instrument Disclosure
Attorney Selection Disclosure		    
xx 53024951 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Modification Doc Issue Active B * Loan appears modified. Mod missing or unexecuted (Lvl 4) This is a conventional fixed rate mortgage with P&I of $1,278.08 with the rate of interest 11.6400% and the maturity date is xx. The P&I as per payment history tape data is $695.15 and the rate of interest is 6.00%. However, there is a decrease in P&I and rate of interest with respect to Note data which seems that there would be a possible modification. As per tape data, the loan has been modified on xx, with the principal balance of $127,728.82. The modification document is missing from the loan file. As per the servicing comment dated on xx/xx/xxxx the modification terms including the deferred balance has been given.    
xx 53024951 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA Finance Charge Test: Result:FAIL; Loan Data: $333,492.27; Comparison Data: $333,657.20;Variance:  -$164.93.
This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) )
The finance charge is $333,657.20. The disclosed finance charge of $333,492.27 is not considered accurate because it is
understated by more than $100.
TILA Foreclosure Rescission Finance Charge Test: Result:FAIL ; Loan Data: $333,492.27; Comparison Data:$333,657.20; Variance: -$164.93.
This loan failed the TILA foreclosure rescission finance charge test. ( 12 CFR §1026.23(h) , transferred from 12 CFR
§226.23(h) )
The finance charge is $333,657.20. The disclosed finance charge of $333,492.27 is not considered accurate for purposes of
rescission because it is understated by more than $35.		    
xx 53024951 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) TILA Finance Charge Test: Result:FAIL; Loan Data: xx; Comparison Data: xx;Variance:  -$164.93.
TILA Foreclosure Rescission Finance Charge Test: Result:FAIL ; Loan Data: xx; Comparison Data:xx; Variance: -$164.93.		    
xx 80335591 xx 561 561-882 xx Non-QM QC Complete Maine xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 80335591 xx 561 561-882 xx Non-QM QC Complete Maine xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 80335591 xx 561 561-882 xx Non-QM QC Complete Maine xx Valuation Valuation Active B * Property Damage (Lvl 3) According to latest exterior BPO (Doc locator# xx) dated xx/xx/xxxx, subject property is damage. The nature of damage is exterior scraped and painting. Estimated cost of damage repair is $7500.00. However, latest servicing comment does not show that damage repair has been completed.    
xx 80335591 xx 561 561-882 xx Non-QM QC Complete Maine xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 80335591 xx 561 561-882 xx Non-QM QC Complete Maine xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Form is missing from the loan file.    
xx 80335591 xx 561 561-882 xx Non-QM QC Complete Maine xx Legal Docs Doc Issue Active B * Title policy missing (Lvl 3) Final title policy at origination is missing from loan file; However, commitment title policy is available in the loan file.    
xx 80335591 xx 561 561-882 xx Non-QM QC Complete Maine xx NPL NPL Active B * Payment History is not Complete (Lvl 3) Latest payment history is available from xx/xx/xxxx toxx/xx/xxxx. However, we require latest 12 months payment history. Payment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 80335591 xx 561 561-882 xx Non-QM QC Complete Maine xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Latest servicing comments are available from xx/xx/xxxx toxx/xx/xxxx. However, we require latest 24 months servicing comment. Servicing comments are missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 80335591 xx 561 561-882 xx Non-QM QC Complete Maine xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA foreclosure rescission finance charge test.
Loan data is $134333.91 which is compared with $134375.43 and variance is -$41.52.
The finance charge is $134,375.43. The disclosed finance charge of $134,333.91 is not considered accurate for purposes of rescission because it is understated by more than $35.
This loan failed the points and fees test.
The points and fees charged to the borrower exceed the greater of 5% of the mortgage amount or $1,000
Loan data is $2925.00 which is compared with $2250.00. and variance is +$675.00		    
xx 80335591 xx 561 561-882 xx Non-QM QC Complete Maine xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA foreclosure rescission finance charge test.
This loan failed the points and fees test.		    
xx 91262645 xx 561 561-882 xx Non-QM QC Complete Texas xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) According to updated title report dated xx/xx/xxxx,  the chain of assignment has not been completed as there is a break in the assignment from originating lender xx.    
xx 91262645 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 / loan application is missing from the loan file.    
xx 91262645 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 along with estimated HUD and itemization are missing from the loan file.    
xx 91262645 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 91262645 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 91262645 xx 561 561-882 xx Non-QM QC Complete Texas xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) The appraisal report at origination is missing from the loan file.    
xx 91262645 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The comment history is available from xx/xx/xxxx toxx/xx/xxxx. Hence, the comment history is missing from xx/xx/xxxx to xx/xx/xxxx as we require the latest 24 months of comment history.    
xx 91262645 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider document is missing from the loan file.    
xx 91262645 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The notice of servicing transfer disclosure is missing from the loan file.    
xx 91262645 xx 561 561-882 xx Non-QM QC Complete Texas xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The payment history is available from xx/xx/xxxx toxx/xx/xxxx. however, we require the latest 12 months payment history. Payment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 91262645 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) xx     
xx 91262645 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
xx 6331397 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 6331397 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 6331397 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) The Initial escrow account disclosure is missing from the loan file.    
xx 6331397 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service providers is missing from the loan file.    
xx 6331397 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The notice of servicing transfer disclosure is missing from the loan file.    
xx 6331397 xx 561 561-882 xx Non-QM QC Complete Virginia xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The payment history is available from xx/xx/xxxx toxx/xx/xxxx. However, as we require latest 12 months payment history. The payment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 6331397 xx 561 561-882 xx Non-QM QC Complete Virginia xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
xx 6331397 xx 561 561-882 xx Non-QM QC Complete Virginia xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 3) xx     
xx 6331397 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located at Virginia, following disclosures are missing from the loan files.
VA Application Disclosure
Choice of Settlement Agent Disclosure
Disclosure of Charges For Appraisal or Valuation
Copy of Appraisal or Statement of Appraised Value
Affiliated Business Disclosure		    
xx 6331397 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test : Loan Data : $395,078.16, Comparison Data : $395,366.97, Variance : -$288.81.
This loan failed the TILA foreclosure rescission finance charge test : Loan Data : $395,078.16, Comparison Data : $395,366.97, Variance : -$288.81.		    
xx 6331397 xx 561 561-882 xx Non-QM QC Complete Virginia xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA finance charge test.
The finance charge is xx. The disclosed finance charge of xx is not considered accurate because it is
understated by more than $100.
This loan failed the TILA foreclosure rescission finance charge test.
The finance charge is xx. The disclosed finance charge of xx is not considered accurate for purposes of
rescission because it is understated by more than $35.		    
xx 49733921 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 49733921 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 49733921 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from loan file.    
xx 49733921 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Property Active B * Property Damage (Lvl 2) As per available BPO report dated xx/xx/xxxx (document locator "476116_0599-0627_BPO - Broker Price Opinion") subject property is occupied and it also shows repairs are required. The estimated cost of repairs is $4,000.00. No further information about repairs or damages are available in comments or loan file.    
xx 49733921 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Bellow Disclosures are missing from loan file;
Anti-Coercion Notice
Radon Gas Disclosure
Insurance Sales Disclosure
Title Insurance Disclosure		    
xx 49733921 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Provider is missing from loan file.    
xx 49733921 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 49733921 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The CE result is Moderate because this loan failed the TILA finance charge test.    
xx 49733921 xx 561 561-882 xx Non-QM QC Complete Florida xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The Payment history is available from xx/xx/xxxx to xx/xx/xxxx. However, we require latest 12 months Payment history. The Payment history is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 49733921 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) xx    
xx 49733921 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test due to lender charges extra charges; however loan data states $66,605.95, comparison Data is $66,959.18 and Variance shows in the amount of $535.23.    
xx 49733921 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) TIL is not Hand dated by the Borrower.    
xx 49733921 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Not all borrowers signed TIL (Lvl 2) TIL is not hand signed by the Borrower.    
xx 55064954 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 55064954 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 55064954 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business form is missing from loan file.    
xx 55064954 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) As LTV exceed xx% for conventional loan, Mortgage insurance certificate is required which is missing from loan file.    
xx 55064954 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Comment history is available in the file from xx/xx/xxxx toxx/xx/xxxx and from xx/xx/xxxx toxx/xx/xxxx, however, we require latest 24 months comment history; Comment history is missing for the month of June 2018.    
xx 55064954 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
xx 55064954 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Following are the state disclosure which are missing from the loan file.
Explanation of Personal Obligation
Marital Property Act Disclosure
Choice of Insurance Disclosure
Co-Signer Notice
Tattle Tale Notice under the Marital Property Act		    
xx 55064954 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provider is missing from loan file.    
xx 55064954 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is note hand dated by the borrower.    
xx 55064954 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The payment history is available from xx/xx/xxxx toxx/xx/xxxx. However, we require latest 12 months payment history. The payment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 2799743 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 2799743 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 2799743 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) As per the review of the updated title report dated xx/xx/xxxx, there is a break in the chain of assignment.
The chain of the assignment is missing from xx.		    
xx 2799743 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 2799743 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated Business disclosure is missing from the given loan file.    
xx 2799743 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The List of Service provider is missing from the loan file.    
xx 2799743 xx 561 561-882 xx Non-QM QC Complete Florida xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The payment history is available from xx/xx/xxxx to xx/xx/xxxx. However, we require the latest 12 months of payment history. Hence, the payment history is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 2799743 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The prior collection comments are available from xx/xx/xxxx to xx/xx/xxxx and latest collection comments are available from xx/xx/xxxx to xx/xx/xxxx . However, we require the latest 24 months of collection comments. Hence, the collection comments are missing from xx/xx/xxxx to xx/xx/xxxx and also from xx/xx/xxxx to xx/xx/xxxx.    
xx 2799743 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The Subject property is located in Florida (FL) state.
The Anti-Coercion Notice disclosure is located at “xx” in the loan file.
The below Required State disclosures are missing in the given loan file.
1.Radon Gas Disclosure
2.Insurance Sales Disclosure
3.Title Insurance Disclosure		    
xx 2799743 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA foreclosure rescission finance charge test.

The finance charge is xx. The disclosed finance charge of xx is not considered accurate for purposes of
rescission because it is understated by more than $35.

TILA Foreclosure Rescission Finance Charge Test: Loan Data : xx        Comparison Data:  xx   Variance: -$874.00

This loan failed the TILA finance charge test.

The finance charge is $193,588.83. The disclosed finance charge of $192,714.83 is not considered accurate because it is
understated by more than $100.

TILA Finance Charge Test: Loan Data : $192,714.83             Comparison Data : $193,588.83        Variance :-$874.00		    
xx 2799743 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA foreclosure rescission finance charge test.
This loan failed the TILA finance charge test.		    
xx 44581869 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Form is missing from the loan file.    
xx 44581869 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1) Compliance failing Exception Test Incomplete - seasoned loans over 3 years    
xx 44581869 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1) Compliance failing RESPA Incomplete - seasoned loans over 3 years    
xx 44581869 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan file.    
xx 44581869 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Providers is missing from the loan file.    
xx 44581869 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing Transfer Document is missing from the loan file.    
xx 44581869 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Significant" (Lvl 2) The CE risk indicator is Significant as this is a Consumer Home Loan and is failing SC HCCHLA Prepayment Term Test.
The loan contains a prepayment term. A debtor may prepay the loan at any time, without penalty because the loan is for
personal, family, or household purposes with a note amount that does not exceed $180,000.00.		    
xx 44581869 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Modification Doc Issue Active B * Loan appears modified. Mod missing or unexecuted (Lvl 3) The Loan modification agreement was made on xx, between the borrower xx. The borrower has been making payment as per the modification agreement which was made on xx; however, the modification agreement was not executed by the borrower.    
xx 44581869 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in South Carolina state. The below require state disclosures are missing from the loan file.
1.Agent Preference Disclosure.
2.Casualty Insurance Disclosure.		    
xx 44581869 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Credit Credit Active B * Junior lien 1 started foreclosure, needs further investigation (Lvl 2) xx    
xx 44581869 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active B * ComplianceEase State/Local Predatory Test Failed (Lvl 2) This is a Consumer Home Loan and is failing SC HCCHLA Prepayment Term Test.
The loan contains a prepayment term. A debtor may prepay the loan at any time, without penalty because the loan is for
personal, family, or household purposes with a note amount that does not exceed $180,000.00.		    
xx 44581869 xx 561 561-882 xx Non-QM QC Complete South Carolina xx Compliance Compliance Active B * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the prepayment term test.
The loan has a prepayment term that does not conform to the requirements for the lender's license type in the state where the
property is located.
Prepayment Term Test: FAIL Loan Data 36Months ComparisonData0Months  Variance 36Months.		    
xx 78491257 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 78491257 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 78491257 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 78491257 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Legal Docs Legal Docs Active B * Updated title review shows IRS / vehicle / federal / personal tax liens (Lvl 2) According to updated title report dated xx/xx/xxxx, there is a IRS liens open against the borrower in the favor of xx.    
xx 78491257 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Credit Title Review Active B * Property address changed since origination - address on updated title different from note (Lvl 2) xx    
xx 78491257 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business form disclosure is missing from the loan file.    
xx 78491257 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Collection comments are available from xx/xx/xxxx to xx/xx/xxxx. Collection comments are missing from xx/xx/xxxx toxx/xx/xxxx as we require for latest 24 months.    
xx 78491257 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase Risk Indicator is Moderate due to
This loan failed the TILA finance charge test.
This loan failed the TILA foreclosure rescission finance charge test.		    
xx 78491257 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx NPL NPL Active B * Payment History is not Complete (Lvl 3) Payment history is available from xx/xx/xxxx toxx/xx/xxxx. Payment history is missing from xx/xx/xxxx toxx/xx/xxxx as we require latest for 12 months.    
xx 78491257 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx NPL General Active B * Describe the BK payment plan (Lvl 3) xx    
xx 78491257 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test. Loan data is $33,422.21, comparison data is $33,533.21and variance is -$111.00.
This loan failed the TILA foreclosure rescission finance charge test. Loan data is $33,422.21, comparison data is $33,533.21and variance is -$111.00.		    
xx 77092566 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal report is missing from the loan file.    
xx 77092566 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated business disclosure is missing from the loan file.    
xx 77092566 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The collection comments are available from xx/xx/xxxx toxx/xx/xxxx. However; we require the latest 24 months of collection comments. The comments are missing from xx/xx/xxxx to xx/xx/xxxx and from xx/xx/xxxx toxx/xx/xxxx.    
xx 77092566 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Credit Doc Issue Active B * Application Missing (Lvl 2) The final application is missing from the loan file.    
xx 77092566 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) The final HUD1 along with estimated HUD1 and Itemization are missing from the loan file.    
xx 77092566 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) The final TIL is missing from the loan file.    
xx 77092566 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) The Initial escrow acct disclosure is missing from the loan file.    
xx 77092566 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Credit Title Review Active B * Issue with the legal description or recorded instrument (Lvl 3) xx    
xx 77092566 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Credit Other Disclosures Active B * Missing Required Disclosures (Lvl 2) The list of services providers disclosure is missing from the loan file.    
xx 77092566 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) The loan program disclosure is missing from the loan file.    
xx 77092566 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) The operative index value is unable to be determined since the supporting documents are missing from the loan file.    
xx 77092566 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Credit Doc Issue Active B * Payment history missing (Lvl 3) The Payment history is available from xx/xx/xxxx toxx/xx/xxxx. However, we require the latest 12 months of the payment history. The payment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 77092566 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) The ROR is missing from the loan file.    
xx 77092566 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The servicing transfer disclosure is missing from the loan file.    
xx 77092566 xx 561 561-882 xx Non-QM QC Complete Wisconsin xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in the state of Wisconsin. However, the following state disclosures are missing from the loan file.
1.Explanation of Personal Obligation.
2.Marital Property Act Disclosure.
3.Pre-Application Fee Disclosure.
4.Choice of Insurance Disclosure.
5.Escrow Disclosure.
6.Co-Signer Notice.
7.Tattle Tale Notice under the Marital Property Act.		    
xx 74497646 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 74497646 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 74497646 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 74497646 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Legal Docs Active B * Updated title review shows IRS / vehicle / federal / personal tax liens (Lvl 2) According to the updated title report dated xx/xx/xxxx, there is one junior IRS lien against the borrower xx.    
xx 74497646 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 74497646 xx 561 561-882 xx Non-QM QC Complete California xx Credit Guidelines Active B * Cash out purchase (Lvl 2) As per the final HUD-1, the gross amount due from borrower for the amount of  xx and less amount paid by the borrower for the amount of xx.However, the cash to borrower for the amount of $349.    
xx 74497646 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Property Active B * Property Damage (Lvl 2) As per the inspection report dated xx/xx/xxxx located at “xx”, the subject property has been needed the very minor work. However, we are unable to determine whether the repairs have been completed or not as latest servicing comments do not provide any information regarding the damages and we also don’t have any latest BPO to verify the property condition. No details have been found regarding the insurance claim.    
xx 74497646 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
xx 74497646 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Note / Mod Active B * Amount of Principal Forgiven exceeds 2% of Modification Amount (Lvl 4) The borrower has been making payments as per the loan modification agreement which was made on xx. According to the modified terms, the new principal balance is xx. The amount of xx of the new principal balance shall be considered as deferred principal balance. In addition, there is a deferred principal reduction amount of $xx which shall be forgiven by the lender on each of the first, second and third anniversaries of xx and the interest bearing will be $xx.    
xx 74497646 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) The final TIL is not hand dated by the borrower.    
xx 74497646 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The list of service provider document is missing from the loan file.    
xx 74497646 xx 561 561-882 xx Non-QM QC Complete California xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The payment history is available from xx/xx/xxxx toxx/xx/xxxx. However, as we require latest 12 months payment history. The payment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 74497646 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The property is located in state of California. The following required State Disclosure is missing in the loan file.
1.Impound Account Disclosure
2.Cosigner Notice
3.Private Mortgage Insurance Disclosure
4.Earthquake Disclosure forCondominiums
5.Hazard Insurance Disclosure
6.Insurer RecommendationDisclosure
7.CA Fair Lending Notice
8.Anti-Tying Disclosure
9.Privacy Notice
10.Notice of Right to Copy of Appraisal
11.Application for Credit-Married Persons
12.Fair Debt Collection Notice
13.Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 74497646 xx 561 561-882 xx Non-QM QC Complete California xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comments are available from xx/xx/xxxx toxx/xx/xxxx,xx/xx/xxxx toxx/xx/xxxx,xx/xx/xxxx toxx/xx/xxxx; however, we require the latest 24 months complete servicing comments. The servicing comments are missing from xx/xx/xxxx toxx/xx/xxxx andxx/xx/xxxx toxx/xx/xxxx.    
xx 74497646 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA finance charge test.
The finance charge is xx. The disclosed finance charge of xx is not considered accurate because it is
understated by more than $100.
This loan failed the TILA APR test.
The annual percentage rate (APR) is 8.281%. The disclosed APR of 7.201% is not considered accurate because it is more than
1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.		    
xx 74497646 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA Finance Charge Test: Loan Data : $367,554.46, Comparison Data : $409,669.86, Variance :-$42,115.40.
TILA APR Test: Loan Data : 7.201%, Comparison Data :  8.281% , Variance : -1.080%		    
xx 59311541 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 59311541 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Missing the Loan Program Disclosure from the file.    
xx 59311541 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Legal Docs Doc Issue Active B * Release of mortgage (Lvl 4) xx    
xx 59311541 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 59311541 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) The Appraisal at origination is missing from the loan file.    
xx 59311541 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) The Final HUD-1 is missing from the loan file. Estimated HUD-1 and Fee itemization are also missing from the loan file.    
xx 59311541 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Application Missing (Lvl 2) The Initial and Final Loan Applications are missing from the loan file.    
xx 59311541 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Other Disclosures Active B * Missing Required Disclosures (Lvl 2) The List of Service Providers is missing from the file.    
xx 59311541 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Compliance Compliance Active B * Operative Index Numerical Value Unavailable based on lender docs (Lvl 2) The Note at origination is a Fixed/Adjustable Rate; unable to determine the operative index value used by the lender at origination.    
xx 59311541 xx 561 561-882 xx Non-QM QC Complete North Carolina xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The Payment History provided is dated from xx/xx/xxxx toxx/xx/xxxx (5 months) however we require the latest 12 months for review.  Missing 7 months payment history from xx/xx/xxxx toxx/xx/xxxx.    
xx 59311541 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Required Affiliated Business Disclosure is missing from the loan file.    
xx 59311541 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The Servicing Comments provided are dated from xx/xx/xxxx toxx/xx/xxxx (5 months) however we require the latest 24 months for review.  Missing 19 months Servicing Comments from xx/xx/xxxx toxx/xx/xxxx.    
xx 59311541 xx 561 561-882 xx Non-QM QC Complete North Carolina xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The Servicing Transfer Disclosure is missing from the loan file.    
xx 12018931 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 12018931 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 12018931 xx 561 561-882 xx Non-QM QC Complete Florida xx Data Edit Data Edit Active B * Litigation (Lvl 3) According to comment dated xx/xx/xxxx active litigation issue noted.  Comment dated xx/xx/xxxx states matter has been sent to the litigation department.  Litigated matter assigned to litigation specialist xx. No further details regarding the litigation issue found.  Litigated matter is handling by outside counsel.
Actual details of litigation issue not available.		    
xx 12018931 xx 561 561-882 xx Non-QM QC Complete Florida xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 12018931 xx 561 561-882 xx Non-QM QC Complete Florida xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal report is missing from the loan file.    
xx 12018931 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 12018931 xx 561 561-882 xx Non-QM QC Complete Florida xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The payment history is available from xx/xx/xxxx toxx/xx/xxxx. However, we require the latest 12 months’ payment history. The payment history is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 12018931 xx 561 561-882 xx Non-QM QC Complete Florida xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 12018931 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in FL State. The following state disclosures are missing in the loan files.
Anti-Coercion Notice
Title Insurance Disclosure
Radon Gas Disclosure
Insurance Sales Disclosure		    
xx 12018931 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * ComplianceEase TILA Test Failed (Lvl 2) TILA Finance Charge Test: Result: FAIL Loan Data: $202,123.65 Comparison Data: $202,378.36 Variance: -$254.71

TILA Finance Charge Test:Result:  FAIL Loan Data: $202,123.65 Comparison Data: $202,378.36 Variance: -$254.71		    
xx 12018931 xx 561 561-882 xx Non-QM QC Complete Florida xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) TILA Finance Charge Test: Result: FAIL Loan Data: xx Comparison Data: xx  Variance: -$254.71

TILA Finance Charge Test:Result:  FAIL Loan Data: $202,123.65 Comparison Data: xx Variance: -$254.71

This loan failed the TILA finance charge test.
This loan failed the TILA foreclosure rescission finance charge test.		    
xx 50946795 xx 561 561-882 xx Non-QM QC Complete Illinois xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report at the time of origination is missing from the loan file.    
xx 50946795 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 50946795 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Collection comments are available from xx/xx/xxxx to xx/xx/xxxx and from xx/xx/xxxx toxx/xx/xxxx. However we require latest 24 month comments. Comments are missing from xx/xx/xxxx toxx/xx/xxxx and from xx/xx/xxxx to xx/xx/xxxx.    
xx 50946795 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 is missing in the loan file.    
xx 50946795 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 is missing from the loan file. Also, there is no estimated HUD-1 or itemization available in the loan file.    
xx 50946795 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 50946795 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) xx     
xx 50946795 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service provides is missing from the loan file    
xx 50946795 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
xx 50946795 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) LTV is xx  which is greater than xx hence MI certificate is required; however, it is missing from the loan file.    
xx 50946795 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of service transfer disclosure is missing from the loan file.    
xx 50946795 xx 561 561-882 xx Non-QM QC Complete Illinois xx Compliance Compliance Active B * Operative index value is unable to confirm (Lvl 2) Operative index value is unable to confirm.    
xx 50946795 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from the loan file.    
xx 50946795 xx 561 561-882 xx Non-QM QC Complete Illinois xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 50946795 xx 561 561-882 xx Non-QM QC Complete Illinois xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) The chain of assignment is incomplete as there is a break in chain of assignment from xx to xx.    
xx 85186040 xx 561 561-882 xx Non-QM QC Complete California xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An Appraisal report is missing from the given loan file.    
xx 85186040 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Legal Docs Active B * Updated title review shows IRS / vehicle / federal / personal tax liens (Lvl 2) As per the review of the updated title report dated xx/xx/xxxx, one IRS Lien and one civil judgment was found against the borrower xx.    
xx 85186040 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 85186040 xx 561 561-882 xx Non-QM QC Complete California xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) xx    
xx 85186040 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the given loan file.    
xx 85186040 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) Right of Rescission is missing in the given loan file.    
xx 85186040 xx 561 561-882 xx Non-QM QC Complete California xx Legal Docs Mortgage Active B * Mortgage  (Lvl 2) Subject loan was originated under jumbo loan category.    
xx 85186040 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated Business disclosure is missing from the given loan file.    
xx 85186040 xx 561 561-882 xx Non-QM QC Complete California xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The collection comments are available from xx/xx/xxxx to xx/xx/xxxx. However, we require the latest 24 months of collection comments. Hence, the comments are missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 85186040 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Application Missing (Lvl 2) The Final Application is missing in the loan file.    
xx 85186040 xx 561 561-882 xx Non-QM QC Complete California xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) The HUD-1 is missing along with Estimated HUD-1 and Itemization documents from the given loan file.    
xx 85186040 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) The Initial Escrow Account  disclosure is missing from the given loan file.    
xx 85186040 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The List of service provider disclosure is missing from the given loan file.    
xx 85186040 xx 561 561-882 xx Non-QM QC Complete California xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The Notice of servicing Transfer document is missing from the given loan file.    
xx 85186040 xx 561 561-882 xx Non-QM QC Complete California xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The payment history is available from xx/xx/xxxx to xx/xx/xxxx. However, we require the latest 12 months of payment history. Hence, the payment history is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 85186040 xx 561 561-882 xx Non-QM QC Complete California xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in California state.
The following required State Disclosures are missing in the loan file.
1.Impound Account Disclosure
2.Cosigner Notice
3.Private Mortgage Insurance Disclosure
4.Earthquake Disclosure forCondominiums
5.Hazard Insurance Disclosure
6.Insurer Recommendation Disclosure
7.CA Fair Lending Notice
8.Anti-Tying Disclosure
9.Privacy Notice
10.Notice of Right to Copy of Appraisal
11.Application for Credit-Married Persons
12.Fair Debt Collection Notice
13.Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
xx 47769858 xx 561 561-882 xx QM QC Complete Illinois xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 47769858 xx 561 561-882 xx QM QC Complete Illinois xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 47769858 xx 561 561-882 xx QM QC Complete Illinois xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) CE risk indicator is "Elevated" as this loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule as the loan is failed for QM safe Harbor threshold test as APR (5.714%) is exceeded APOR (5.400%) by 0.314%. The APR threshold is 5.400% and the subject loan is escrowed one.

Qualified Mortgage Safe Harbor Threshold: FAIL    Charged: 5.714%        Allowed: 5.400%     Over by: +0.314%		    
xx 47769858 xx 561 561-882 xx QM QC Complete Illinois xx NPL NPL Active B * Homeowner's Counseling disclosure is missing. (Lvl 2) Homeownership counseling disclosure is missing from the loan file.    
xx 47769858 xx 561 561-882 xx QM QC Complete Illinois xx Credit Doc Issue Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow Account disclosure is missing from the loan file.    
xx 47769858 xx 561 561-882 xx QM QC Complete Illinois xx Credit Doc Issue Active B * Initial Truth in Lending Disclosure is Missing (Lvl 2) Initial TIL is missing from the loan file.    
xx 47769858 xx 561 561-882 xx QM QC Complete Illinois xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) MI certificate is missing from the loan file.    
xx 47769858 xx 561 561-882 xx QM QC Complete Illinois xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing Transfer disclosure is missing from the loan file.    
xx 47769858 xx 561 561-882 xx QM QC Complete Illinois xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 47769858 xx 561 561-882 xx QM QC Complete Illinois xx Legal Docs Legal Docs Active B * Updated title review shows IRS / vehicle / federal / personal tax liens (Lvl 2) There is an active junior Notice of Federal Tax Lien available in the updated title report against xx.    
xx 47769858 xx 561 561-882 xx QM QC Complete Illinois xx Credit Credit Active B * FHA need to verify with HUD if still active (Lvl 4) This is FHA loan. The loan was originated on xx as an FHA loan with case #xx. No indication of any changes in loan type found in the loan file.    
xx 25682311 xx 561 561-882 xx QM-TRID QC Complete Hawaii xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 25682311 xx 561 561-882 xx QM-TRID QC Complete Hawaii xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal at origination is missing from the loan file.    
xx 25682311 xx 561 561-882 xx QM-TRID QC Complete Hawaii xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Below state disclosure is missing from the loan file.
Reciprocal Beneficiary/ Civil Union Addendum to Uniform Residential Loan Application.		    
xx 25682311 xx 561 561-882 xx QM-TRID QC Complete Hawaii xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Collection comments are available from xx/xx/xxxxo xx/xx/xxxxnd from xx/xx/xxxx to xx/xx/xxxx; however, we require latest 24 months collection comments. Collection comments are missing xx/xx/xxxx to xx/xx/xxxx and from xx/xx/xxxx to xx/xx/xxxx.    
xx 25682311 xx 561 561-882 xx QM-TRID QC Complete Hawaii xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 2) xx    
xx 25682311 xx 561 561-882 xx QM-TRID QC Complete Hawaii xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
xx 25682311 xx 561 561-882 xx QM-TRID QC Complete Hawaii xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 4) Final CD is missing from the loan file. Unable to test CE.    
xx 25682311 xx 561 561-882 xx QM-TRID QC Complete Hawaii xx Compliance Compliance Active B * Homeownership Counselling Disclosure is missing. (Lvl 2) Homeownership counseling disclosure is missing from the loan file.    
xx 25682311 xx 561 561-882 xx QM-TRID QC Complete Hawaii xx Compliance Compliance Active B * Missing Initial LE (Lvl 3) Initial LE is missing from the loan file. Unable to test CE.    
xx 25682311 xx 561 561-882 xx QM-TRID QC Complete Hawaii xx NPL NPL Active B * Payment History is not Complete (Lvl 3) Payment history is available from xx/xx/xxxx to xx/xx/xxxx and from xx/xx/xxxx to xx/xx/xxxx. Latest 12 months history is required. Missing pay history from xx/xx/xxxx to xx/xx/xxxx.    
xx 25682311 xx 561 561-882 xx QM-TRID QC Complete Hawaii xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer disclosure is missing from the loan file.    
xx 25682311 xx 561 561-882 xx QM-TRID QC Complete Hawaii xx Legal Docs Mortgage Active B * Mortgage  (Lvl 2) Subject loan was originated under jumbo loan category.    
xx 91826328 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
xx 91826328 xx 561 561-882 xx Non-QM QC Complete New York xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) An appraisal report is missing from the loan file.    
xx 91826328 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 91826328 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final application is missing from the loan file.    
xx 91826328 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
xx 91826328 xx 561 561-882 xx Non-QM QC Complete New York xx Legal Docs Doc Issue Active B * Missing Title evidence (Lvl 4) Final Title Policy at origination is missing in the loan file and there is no commitment / preliminary report is available in the file either.    
xx 91826328 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of service transfer disclosure is missing from the loan file.    
xx 91826328 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 91826328 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The comments history is available from xx/xx/xxxx toxx/xx/xxxx. We require the latest 24 months comments history. The comments history is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 91826328 xx 561 561-882 xx Non-QM QC Complete New York xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The following disclosures are missing from the loan file,
1.NY Consumer Credit Disclosure / Fair Credit Reporting Notice
2.NY Interest Rate Disclosure
3.NY Hazard Insurance  Disclosure
4.Tax Escrow Account Designation
5.Mortgage Bankers and Exempt Organizations Preapplication
6.Part 80 Disclosure
7.Alternative Mortgage Transaction Disclosures
8.Co-Signer Notice Requirements
9.Default Warning Notice
10.Smoke Alarm Affidavit
11.New York Real Property Escrow Account Disclosure
12.Subprime Home Loan Counseling Disclosure
13.Subprime Home Loan Tax and Insurance Payment Disclosure
14.Subprime Home Loan Disclosure
15.Commitment Disclosure
16.Lock-in Disclosure		    
xx 91826328 xx 561 561-882 xx Non-QM QC Complete New York xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) The HUD-1 along with estimated HUD and itemization  are missing from the loan file.    
xx 91826328 xx 561 561-882 xx Non-QM QC Complete New York xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The payment history is available from xx/xx/xxxx to xx/xx/xxxx. We require latest 12 months payment history. The payment history is missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 77723569 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 77723569 xx 561 561-882 xx Non-QM QC Complete Indiana xx Valuation Doc Issue Active B * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan file.    
xx 77723569 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Title Review Active B * State Tax Judgment (Lvl 2) xx    
xx 77723569 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final Application is missing from the loan file.    
xx 77723569 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Credit Active D * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1is missing from the loan file along with estimated HUD-1 and itemization.    
xx 77723569 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Doc Issue Active B * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
xx 77723569 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing Transfer Disclosure is missing from the loan file.    
xx 77723569 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) The List of Service Provider Disclosure is missing from the loan file.    
xx 77723569 xx 561 561-882 xx Non-QM QC Complete Indiana xx Legal Docs Legal Docs Active B * Title shows an assignment chain break (Lvl 2) The chain of assignment is incomplete as there is a break in chain of assignment from xx to xx.    
xx 77723569 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Title Review Active B * Tax Lien showing on the subject property (Lvl 3) The review of the pro-title dated xx/xx/xxxx, there is a code enforcement lien against the subject property which is in repair and hearing process . The order to repair was recorded on xx  and hearing decision was entered on xx  for the amount of $350.00. Again, the order to repair was recorded on xx  and hearing decision was entered on xx for the amount of $200.00.
There can be possibility of foreclosure due to this unpaid nonmortgage lien. This can be cured by paying off the lien with delinquent interest and penalties.		    
xx 77723569 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comments are available from  xx/xx/xxxx toxx/xx/xxxx.However, we require the latest 24 months’ servicing comments. The servicing comments are missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 77723569 xx 561 561-882 xx Non-QM QC Complete Indiana xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) The subject property is located in the Indiana state. The following state disclosures are missing from the loan file:

1.Hazard Insurance Disclosure
2.Federal Consumer Credit Protection Act Disclosure
3.Insurance Freedom of Choice Disclosure		    
xx 77723569 xx 561 561-882 xx Non-QM QC Complete Indiana xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The available payment history is from datexx/xx/xxxx to xx/xx/xxxx is incomplete;. However, we require the last 12 months payment history. The payment history is missing from datexx/xx/xxxx toxx/xx/xxxx andxx/xx/xxxx to xx/xx/xxxx.    
xx 77723569 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Doc Issue Active B * Final TIL Missing or Not Executed (Lvl 2) TIL is missing from the loan file.    
xx 77723569 xx 561 561-882 xx Non-QM QC Complete Indiana xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 2) xx    
xx 92542263 xx 561 561-882 xx QM-TRID QC Complete Florida xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 92542263 xx 561 561-882 xx QM-TRID QC Complete Florida xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Collection comments are available from xx/xx/xxxx to xx/xx/xxxx and xx/xx/xxxx to xx/xx/xxxx; however, we require latest 24 months collection comments. Collection comments are missing from xx/xx/xxxx to xx/xx/xxxx.    
xx 92542263 xx 561 561-882 xx QM-TRID QC Complete Florida xx NPL NPL Active B * Payment History is not Complete (Lvl 3) Pay history is available from xx/xx/xxxx to xx/xx/xxxx and from xx/xx/xxxx to xx/xx/xxxx. Latest 12 months history is required. Missing pay history from xx/xx/xxxx TO xx/xx/xxxx.    
xx 92542263 xx 561 561-882 xx QM-TRID QC Complete Florida xx Credit Title Review Active B * Title Review shows major title concern (Lvl 3) xx    
xx 92542263 xx 561 561-882 xx QM-TRID QC Complete Florida xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer disclosure is missing from the loan file.    
xx 92542263 xx 561 561-882 xx QM-TRID QC Complete Florida xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) The subject loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 53.73% as the Borrower income was $xx and total expenses are in the amount of $xx per AUS (Locator: xx) and the loan was underwritten by AUS & AUS recommendation is "Approve/Eligible."    
xx 92542263 xx 561 561-882 xx QM-TRID QC Complete Florida xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 3) xx    
xx 92542263 xx 561 561-882 xx QM-TRID QC Complete Florida xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 3) This is FHA loan originated on xx. MI Cert is required. Missing MI Cert from the loan file.    
xx 92542263 xx 561 561-882 xx QM-TRID QC Complete Florida xx Credit Credit Active B * FHA need to verify with HUD if still active (Lvl 4) This is FHA loan. The loan was originated on xx as an FHA loan with case #xx. No indication of any changes in loan type found in the loan file.    
xx 61936644 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 61936644 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 61936644 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Title Review Active B * Title Review shows break in assignment  (Lvl 2) According to the updated title report  the chain of assignment has not been completed as the assignment is currently with xx.    
xx 61936644 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
xx 61936644 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 3) According to updated title report dated xx/xx/xxxx, annual combined taxes for xx are delinquent in the amount of $2,496.89 which were good through on xx
This can be cure by paying off the above said taxes with late fees (if any).		    
xx 61936644 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Collection comments are available from xx/xx/xxxx to xx/xx/xxxx andxx/xx/xxxx toxx/xx/xxxx. Collection comments are missing from xx/xx/xxxx to xx/xx/xxxx and xx/xx/xxxx toxx/xx/xxxx as we require for latest 24 months.    
xx 61936644 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * Application Missing (Lvl 2) Final Application is missing from the loan file.
Data is captured from document located at#xx.		    
xx 61936644 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by borrowers.    
xx 61936644 xx 561 561-882 xx Non-QM QC Complete Texas xx Legal Docs Doc Issue Active B * Missing Title evidence (Lvl 4) Final title policy at origination along with title commitment and preliminary title policy are missing from the loan file.    
xx 61936644 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan file.    
xx 61936644 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of Service Providers is missing from the loan file.    
xx 61936644 xx 561 561-882 xx Non-QM QC Complete Texas xx NPL NPL Active B * Payment History is not Complete (Lvl 3) Payment history is available from xx/xx/xxxx to xx/xx/xxxx. Payment history is missing from xx/xx/xxxx toxx/xx/xxxx as we require for latest 12 months.    
xx 61936644 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Doc Issue Active B * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by borrowers.    
xx 61936644 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) xx     
xx 96513536 xx 561 561-882 xx Non-QM QC Complete New Mexico xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 96513536 xx 561 561-882 xx Non-QM QC Complete New Mexico xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 96513536 xx 561 561-882 xx Non-QM QC Complete New Mexico xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) Comment history is available from xx/xx/xxxx toxx/xx/xxxx,xx/xx/xxxx to xx/xx/xxxx,xx/xx/xxxx toxx/xx/xxxx and from xx/xx/xxxx tillxx/xx/xxxx. However, we require latest 24 months comments history. Comments are missing from xx/xx/xxxx tillxx/xx/xxxx, xx/xx/xxxx toxx/xx/xxxx and from xx/xx/xxxx tillxx/xx/xxxx.    
xx 96513536 xx 561 561-882 xx Non-QM QC Complete New Mexico xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
xx 96513536 xx 561 561-882 xx Non-QM QC Complete New Mexico xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) Following state disclosure is missing from the loan file.
Freedom to Choose InsuranceCompany and InsuranceProfessional		    
xx 96513536 xx 561 561-882 xx Non-QM QC Complete New Mexico xx Compliance Compliance Active B * Missing Required Disclosures (Lvl 2) List of service providers is missing from the loan file.    
xx 96513536 xx 561 561-882 xx Non-QM QC Complete New Mexico xx Credit Doc Issue Active B * MI, FHA or MIC missing and required (Lvl 2) LTV is xx  which is greater than xx hence MI certificate is required; however, it is missing from the loan file.    
xx 96513536 xx 561 561-882 xx Non-QM QC Complete New Mexico xx Credit Doc Issue Active B * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of service transfer disclosure is missing from the loan file.    
xx 96513536 xx 561 561-882 xx Non-QM QC Complete New Mexico xx NPL NPL Active B * Payment History is not Complete (Lvl 3) Payment History is available from xx/xx/xxxx tillxx/xx/xxxx. However, we require latest 12 months pay history. Payment history is missing from xx/xx/xxxx tillxx/xx/xxxx.    
xx 93496082 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 93496082 xx 561 561-882 xx Non-QM QC Complete Arizona xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 93496082 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Doc Issue Active B * Not all borrowers signed TIL (Lvl 2) Final TIl is not executed by the borrower.    
xx 93496082 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Doc Issue Active B * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
xx 93496082 xx 561 561-882 xx Non-QM QC Complete Arizona xx Legal Docs Legal Docs Active B * Loan has been determined to have an unsecured debt (Lvl 2) xx     
xx 93496082 xx 561 561-882 xx Non-QM QC Complete Arizona xx Legal Docs Doc Issue Active B * Settlement date is different from note date (Lvl 2) According to estimated HUD-1 the settlement date is xx which is different from the note date. However, the note date is xx    
xx 93496082 xx 561 561-882 xx Non-QM QC Complete Arizona xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The payment history is available from xx/xx/xxxx toxx/xx/xxxx; however, we required latest 12 months complete payment history. The payment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 93496082 xx 561 561-882 xx Non-QM QC Complete Arizona xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The servicing comments are available from xx/xx/xxxx toxx/xx/xxxx; however we required latest 24 months complete comment history. The comments are missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 75401705 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase RESPA Test Incomplete (Lvl 1)      
xx 75401705 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active A * ComplianceEase Exceptions Test Incomplete (Lvl 1)      
xx 75401705 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Title Review Active B * Title Review shows outstanding delinquent taxes (Lvl 2) According to the updated title report dated xx/xx/xxxx, the combined annual taxes for the year of xx were delinquent in the total amount of $xx which was good through till xx    
xx 75401705 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Title Review Active B * Title Rvw shows lower lien position than loan docs (Lvl 4) According to the updated title report dated xx/xx/xxxx, the subject mortgage is at lower lien position as the subject property has been foreclosed. The subject property was sold by the trustee xx.    
xx 75401705 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Title Review Active B * Title Rvw shows prop. owner of record is not borr. (Lvl 2) According to the updated title report dated xx/xx/xxxx, the subject mortgage is at lower lien position as the subject property has been foreclosed. The subject property was sold by the trustee xx.    
xx 75401705 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit DTI Active B * DTI > 60% (Lvl 2) As per the final application, the total monthly income of borrower is $xx and total monthly expenses are $xx. Hence, DTI exceeds 60%.    
xx 75401705 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Title Review Active B * Title Review shows major title concern (Lvl 4) xx    
xx 75401705 xx 561 561-882 xx Non-QM QC Complete Texas xx Credit Guidelines Active B * Comment history is incomplete (Lvl 3) The comment history is available from xx/xx/xxxx to xx/xx/xxxx. However, we require a complete 24 months of the comment history. The comment history is missing from xx/xx/xxxx toxx/xx/xxxx and from xx/xx/xxxx toxx/xx/xxxx.    
xx 75401705 xx 561 561-882 xx Non-QM QC Complete Texas xx NPL GENERAL NPL GENERAL Active B * Property is foreclosed and sold to 3rd party (Lvl 4) The foreclosure was initiated in xx.    
xx 75401705 xx 561 561-882 xx Non-QM QC Complete Texas xx NPL NPL Active B * Payment History is not Complete (Lvl 3) The payment history is available from xx/xx/xxxx toxx/xx/xxxx. However, we require a complete 12 months of the payment history. The payment history is missing from xx/xx/xxxx toxx/xx/xxxx.    
xx 75401705 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * Missing Required State Disclosures (Lvl 2) xx     
xx 75401705 xx 561 561-882 xx Non-QM QC Complete Texas xx Modification Doc Issue Active B * Loan appears modified. Mod missing or unexecuted (Lvl 4) This is conventional ARM mortgage with P&I of $624.37 with the rate of interest 11.51% and a maturity date of xx. The seller’s tape data as of xx, the loan has been modified on xx with a modified principal balance of $xx. However, the P&I as per payment history is the $412.61 and rate of interest is 5.500%, however, there is a reduction in P&I and rate of interest with respect to Note data which seems that there would be a possible modification. The borrower is making payment as per modified terms. However, Modification agreement is missing in the file.    
xx 75401705 xx 561 561-882 xx Non-QM QC Complete Texas xx Compliance Compliance Active B * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.