Exhibit 99.35

Loan ID

Marketing ID

Investor Loan ID

Overall Initial Loan Grade

Overall Final Loan Grade

Credit Initial Loan Grade

Credit Current/Final Loan Grade

Compliance Initial Loan Grade

Compliance Current/Final Loan Grade

Property Initial Loan Grade

Property Current/Final Loan Grade

Queue

Finding Code

Date Created

Date Modified

Finding Status

Event Level

Initial Finding Grade

Current/Final Finding Grade

Finding Category

Finding Sub Category

Finding Name

Finding Comments

Seller Comments

Resolution Comments

Reviewer Comp Factor

Originator Comp Factors

Finding Documents

Originator QM Status

Final Reviewed QM Status

Loan Amount

Property State

Occupancy

Loan Purpose

Refinance Purpose

XXXXXXXXXX

436293771

Closed

FCOM1206

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

The Note is Missing

Resolved-The Note is Present - Due Diligence Vendor-<<REDACTED DATE>>
Resolved- - Due Diligence Vendor-<<REDACTED DATE>>
Ready for Review-Deed and Note - Due Diligence Vendor-<<REDACTED DATE>>
Open-The Note is Missing - Due Diligence Vendor-<<REDACTED DATE>>

Ready for Review-Deed and Note - Due Diligence Vendor-<<REDACTED DATE>>

Resolved-The Note is Present - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

ATR/QM: Exempt

REDACTED

Investment

Purchase

XXXXXXXXXX

436293771

Closed

FCOM4283

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

Missing Deed of Trust

Resolved- - Due Diligence Vendor-<<REDACTED DATE>>
Ready for Review-Deed and Note - Due Diligence Vendor-<<REDACTED DATE>>
Open-The Deed of Trust was not located in the loan file. - Due Diligence Vendor-<<REDACTED DATE>>

Ready for Review-Deed and Note - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

ATR/QM: Exempt

REDACTED

Investment

Purchase

XXXXXXXXXX

436293772

Closed

FCRE1164

REDACTED

Resolved

1 - Information

Credit

Missing Doc

Flood Insurance Policy Missing

Resolved- - Due Diligence Vendor-<<REDACTED DATE>>
Ready for Review-Disagree - flood insurance uploaded - Due Diligence Vendor-<<REDACTED DATE>>
Open-Missing Flood Insurance Policy - Due Diligence Vendor-<<REDACTED DATE>>

Ready for Review-Disagree - flood insurance uploaded - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

Non-QM: Lender documented all ATR UW factors

REDACTED

Second Home

Refinance

Cash Out - Other

XXXXXXXXXX

436293773

Closed

FCRE6416

REDACTED

Resolved

1 - Information

Credit

Missing Doc

Missing Gap credit report within 10 days of close

Resolved-Gap Credit Report Within 10 Days of Closing is Provided - Due Diligence Vendor-<<REDACTED DATE>>
Rescinded-Rescinded per seller attestation regarding use of UDM software. - Due Diligence Vendor-<<REDACTED DATE>>
Open-Gap Credit Report Within 10 Days of Closing is Missing - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

Non-QM: Lender documented all ATR UW factors

REDACTED

Primary Residence

Refinance

Cash Out - Other

XXXXXXXXXX

436293773

Closed

FCRE1197

REDACTED

Acknowledged

2 - Non-Material

Credit

Eligibility

Audited FICO is less than Guideline FICO

Acknowledged- - Due Diligence Vendor-<<REDACTED DATE>>
Ready for Review-exception was approved prior to fund - Due Diligence Vendor-<<REDACTED DATE>>
Open-Audited FICO of 619 is less than Guideline FICO of 620 - Due Diligence Vendor-<<REDACTED DATE>>

Ready for Review-exception was approved prior to fund - Due Diligence Vendor-<<REDACTED DATE>>

Approved Exception Provided.
50% LTV

REDACTED

Non-QM: Lender documented all ATR UW factors

REDACTED

Primary Residence

Refinance

Cash Out - Other

XXXXXXXXXX

436293774

Closed

FCRE3798

REDACTED

Acknowledged

2 - Non-Material

Credit

Eligibility

Product Type does not meet eligibility requirement(s)

Acknowledged-Acknowledge discrepancy in guidelines.  Downgraded with comp factors. - Due Diligence Vendor-<<REDACTED DATE>>
Ready for Review-Disagree, finding states asset utilization is not allowed on Agency Plus.  The matrix says not allowed, but the Arc Access Selling guide in effect at time of application states asset utilization may be used to supplement income. - Due Diligence Vendor-<<REDACTED DATE>>
Open-Conditional Loan Approval states loan was approved under the 30 YR FIXED IO NON-AGENCY AGEWNCY PLUS program.  The Agency Plus program does not allow the use of alternative income sources.  Qualifying income was subsidized with asset utilization income in order to be within 50% DTI guidelines.  Without Asset Utilization income, DTI would be in excess of 69.5% - Due Diligence Vendor-<<REDACTED DATE>>

Ready for Review-Disagree, finding states asset utilization is not allowed on Agency Plus. The matrix says not allowed, but the Arc Access Selling guide in effect at time of application states asset utilization may be used to supplement income. - Due Diligence Vendor-<<REDACTED DATE>>

Acknowledged-Acknowledge discrepancy in guidelines. Downgraded with comp factors. - Due Diligence Vendor-<<REDACTED DATE>>

750 FICO
12 Months Reserves

REDACTED

Non-QM: Lender documented all ATR UW factors

REDACTED

Primary Residence

Purchase

XXXXXXXXXX

436293775

Closed

finding-3631

REDACTED

Resolved

1 - Information

Compliance

Points & Fees

Reimbursement Amount Validation Test

Ready for Review-DISAGREE – 7/21 COC CD was issued for Loan Amount increased, discount points adjusted to reflect - Due Diligence Vendor-<<REDACTED DATE>>

Acknowledged-Acknowledged - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

QM: Safe Harbor (SH)

ATR/QM: Exempt

REDACTED

Investment

Refinance

Cash Out - Other

XXXXXXXXXX

436293775

Closed

finding-3634

REDACTED

Resolved

1 - Information

Compliance

TRID

Charges That Cannot Increase Test

Resolved- - Due Diligence Vendor-<<REDACTED DATE>>
Ready for Review-DISAGREE – 7/21 COC CD was issued for Loan Amount increased, discount points adjusted to reflect - Due Diligence Vendor-<<REDACTED DATE>>
Acknowledged-Acknowledged - Due Diligence Vendor-<<REDACTED DATE>>
Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is REDACTED AMOUNTPlease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-<<REDACTED DATE>>

Ready for Review-DISAGREE – 7/21 COC CD was issued for Loan Amount increased, discount points adjusted to reflect - Due Diligence Vendor-<<REDACTED DATE>>

Acknowledged-Acknowledged - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

QM: Safe Harbor (SH)

ATR/QM: Exempt

REDACTED

Investment

Refinance

Cash Out - Other

XXXXXXXXXX

436293775

Closed

FCRE1335

REDACTED

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 IRS Transcripts Missing

Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-<<REDACTED DATE>>
Ready for Review-Disagree - tax transcript uploaded - Due Diligence Vendor-<<REDACTED DATE>>
Open-Borrower 1 IRS Transcripts Missing - Due Diligence Vendor-<<REDACTED DATE>>

Ready for Review-Disagree - tax transcript uploaded - Due Diligence Vendor-<<REDACTED DATE>>

Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

QM: Safe Harbor (SH)

ATR/QM: Exempt

REDACTED

Investment

Refinance

Cash Out - Other

XXXXXXXXXX

436293775

Closed

FCRE1157

REDACTED

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved- - Due Diligence Vendor-<<REDACTED DATE>>
Ready for Review-Disagree - title policy uploaded - Due Diligence Vendor-<<REDACTED DATE>>
Open-Missing Hazard Insurance Policy - Due Diligence Vendor-<<REDACTED DATE>>

Ready for Review-Disagree - title policy uploaded - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

QM: Safe Harbor (SH)

ATR/QM: Exempt

REDACTED

Investment

Refinance

Cash Out - Other

XXXXXXXXXX

436293775

Closed

FCRE1152

REDACTED

Resolved

1 - Information

Credit

Missing Doc

Evidence of Property Tax Missing

Resolved- - Due Diligence Vendor-<<REDACTED DATE>>
Ready for Review-Disagree - REOs attached - Due Diligence Vendor-<<REDACTED DATE>>
Open-Missing Evidence of Property Tax - Due Diligence Vendor-<<REDACTED DATE>>

Ready for Review-Disagree - REOs attached - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

QM: Safe Harbor (SH)

ATR/QM: Exempt

REDACTED

Investment

Refinance

Cash Out - Other

XXXXXXXXXX

436293777

Closed

FCRE1148

REDACTED

Acknowledged

2 - Non-Material

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Acknowledged-Final Title Policy not yet received and coverage amount is not reflected on Title Commitment, however Title Commitment contains verbiage that policy will cover full loan amount. - Due Diligence Vendor-<<REDACTED DATE>>
Open-Title Coverage Amount of REDACTED AMOUNT is Less than Total Amount of Subject Lien(s) Titles pages 900 & 477 do not reflect a coverage amount - Due Diligence Vendor-<<REDACTED DATE>>
Open-Title Coverage Amount of REDACTED AMOUNT is Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-<<REDACTED DATE>>

751 FICO
18 Months Reserves

REDACTED

Non-QM: Lender documented all ATR UW factors

REDACTED

Primary Residence

Refinance

Cash Out - Other

XXXXXXXXXX

436293777

Closed

FCRE3091

REDACTED

Resolved

1 - Information

Credit

Insurance

Master Policy Expiration Date is Prior To the Transaction Date

Resolved- - Due Diligence Vendor-<<REDACTED DATE>>
Ready for Review-Disagree - Master Policy was Effective <<REDACTED DATE>>-<<REDACTED DATE>>
- Due Diligence Vendor-<<REDACTED DATE>>
Open-Master Policy Expiration Date of <<REDACTED DATE>> is Prior To the Transaction Date of <<REDACTED DATE>> Policy provided has expired page 894 - Due Diligence Vendor-<<REDACTED DATE>>

Ready for Review-Disagree - Master Policy was Effective <<REDACTED DATE>>-<<REDACTED DATE>>
- Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

Non-QM: Lender documented all ATR UW factors

REDACTED

Primary Residence

Refinance

Cash Out - Other

XXXXXXXXXX

436293778

Closed

finding-3526

REDACTED

Resolved

1 - Information

Compliance

TRID

Revised Loan Estimate Delivery Date Test (prior to consummation)

Resolved- - Due Diligence Vendor-<<REDACTED DATE>>
Rescinded-ComplianceEase Report Error. Finding erroneously fired. No exception. - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

ATR/QM: Exempt

REDACTED

Investment

Refinance

Limited Cash Out - >2% of Loan Amount or $2000

XXXXXXXXXX

436293778

Closed

finding-3652

REDACTED

Resolved

2 - Non-Material

Compliance

TRID

Lender Credits That Cannot Decrease Test

Resolved- - Due Diligence Vendor-<<REDACTED DATE>>
Rescinded-ComplianceEase Report Error. Finding erroneously fired. No exception. - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

ATR/QM: Exempt

REDACTED

Investment

Refinance

Limited Cash Out - >2% of Loan Amount or $2000

XXXXXXXXXX

436293778

Closed

finding-3515

REDACTED

Resolved

1 - Information

Compliance

TRID

Initial Loan Estimate Delivery Date Test (from application)

Resolved-Documentation received. - Due Diligence Vendor-<<REDACTED DATE>>
Ready for Review-Disagree - initial le within guidelines - Due Diligence Vendor-<<REDACTED DATE>>
Open-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: ( 12 CFR §1026.19(e)(1)(iii)(A) )The initial loan estimate delivery date is 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 or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be REDACTED AMOUNT regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on Memorial Day (<<REDACTED DATE>>)As not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. - Due Diligence Vendor-<<REDACTED DATE>>

Ready for Review-Disagree - initial le within guidelines - Due Diligence Vendor-<<REDACTED DATE>>

Resolved-Documentation received. - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

ATR/QM: Exempt

REDACTED

Investment

Refinance

Limited Cash Out - >2% of Loan Amount or $2000

XXXXXXXXXX

436293778

Closed

finding-3838

REDACTED

Resolved

1 - Information

Compliance

ComplianceEase

Written List of Service Providers Disclosure Date Test

Resolved- - Due Diligence Vendor-<<REDACTED DATE>>
Ready for Review-Disagree – See attached DM Cert – initial disclosure issued 5/28 with application interview date 5/27. - Due Diligence Vendor-<<REDACTED DATE>>
Open-This loan failed the written list of service providers disclosure date test for one or more of the following reasons: ( 12 CFR §1026.19(e)(1)(vi) )The written list of service providers disclosure date is either:Less than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction; orLater 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)This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.19(e)(1)(e)(1)(iii) §1026.2(a)(6) and as it relates to §1026.19(a)(1)(vi) (which references the timing requirements for the loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneAs not being open on PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If the consumer is permitted to shop for a settlement service, the creditor shall provide the consumer with a written list identifying available providers of that settlement service and stating that the consumer may choose a different provider for that service. The creditor must identify at least one available provider for each settlement service for which the consumer is permitted to shop. The creditor shall provide this written list of settlement service providers separately from the disclosures required by §1026.19(e)(1)(e)(1)(i) but in accordance with the timing requirements in §1026.19(e)(1)(e)(1)(iii). - Due Diligence Vendor-<<REDACTED DATE>>

Ready for Review-Disagree – See attached DM Cert – initial disclosure issued 5/28 with application interview date 5/27. - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

ATR/QM: Exempt

REDACTED

Investment

Refinance

Limited Cash Out - >2% of Loan Amount or $2000

XXXXXXXXXX

436293778

Closed

finding-3635

REDACTED

Resolved

2 - Non-Material

Compliance

TRID

Charges That In Total Cannot Increase More Than 10% Test

Resolved- - Due Diligence Vendor-<<REDACTED DATE>>
Resolved-Documentation received. - Due Diligence Vendor-<<REDACTED DATE>>
Ready for Review-DISAGREE – CURE not required for Borrower shopped, title fees updated to reflect chosen title company in Section C of CD p2 - Due Diligence Vendor-<<REDACTED DATE>>
Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% (REDACTED AMOUNT) exceed the comparable charges (REDACTED AMOUNT) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-<<REDACTED DATE>>

Ready for Review-DISAGREE – CURE not required for Borrower shopped, title fees updated to reflect chosen title company in Section C of CD p2 - Due Diligence Vendor-<<REDACTED DATE>>

Resolved-Documentation received. - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

ATR/QM: Exempt

REDACTED

Investment

Refinance

Limited Cash Out - >2% of Loan Amount or $2000

XXXXXXXXXX

436293778

Closed

finding-3634

REDACTED

Resolved

2 - Non-Material

Compliance

TRID

Charges That Cannot Increase Test

Rescinded-ComplianceEase Report Error. Finding erroneously fired. No exception. - Due Diligence Vendor-<<REDACTED DATE>>
Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is REDACTED AMOUNTPlease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-<<REDACTED DATE>>

Rescinded-ComplianceEase Report Error. Finding erroneously fired. No exception. - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

ATR/QM: Exempt

REDACTED

Investment

Refinance

Limited Cash Out - >2% of Loan Amount or $2000

XXXXXXXXXX

436293778

Closed

finding-3632

REDACTED

Resolved

1 - Information

Compliance

Disclosure

Consummation or Reimbursement Date Validation Test

Rescinded-Exception noted in error. - Due Diligence Vendor-<<REDACTED DATE>>
Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-<<REDACTED DATE>>

Rescinded-Exception noted in error. - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

ATR/QM: Exempt

REDACTED

Investment

Refinance

Limited Cash Out - >2% of Loan Amount or $2000

XXXXXXXXXX

436293778

Closed

finding-3631

REDACTED

Resolved

1 - Information

Compliance

Points & Fees

Reimbursement Amount Validation Test

Rescinded-Exception noted in error. - Due Diligence Vendor-<<REDACTED DATE>>
Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-<<REDACTED DATE>>

Rescinded-Exception noted in error. - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

ATR/QM: Exempt

REDACTED

Investment

Refinance

Limited Cash Out - >2% of Loan Amount or $2000

XXXXXXXXXX

436293778

Closed

finding-3615

REDACTED

Resolved

1 - Information

Compliance

TRID

TRID Disclosure and Changed Circumstance Date Validation Test

Open-This loan failed the TRID disclosure and changed circumstances date validation test.The changed circumstances date was not provided and the reason for redisclosure is:A. Changed circumstance affecting settlement charges; orB. Changed circumstance affecting eligibility; orC. Revisions requested by the consumer; orD. Interest rate dependent charges change once the interest rate is locked; orE. Expiration of initial loan estimate; orF. Delayed settlement date on a construction loan for new construction transactions only. - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

ATR/QM: Exempt

REDACTED

Investment

Refinance

Limited Cash Out - >2% of Loan Amount or $2000

XXXXXXXXXX

436293778

Closed

FCOM2340

REDACTED

Resolved

1 - Information

Compliance

TRID

CD: General Form Requirements Not Met

Resolved-CD: General Form Requirements Met - Due Diligence Vendor-<<REDACTED DATE>>
Open-CD: General Form Requirements Not Met - Due Diligence Vendor-<<REDACTED DATE>>

Resolved-CD: General Form Requirements Met - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

ATR/QM: Exempt

REDACTED

Investment

Refinance

Limited Cash Out - >2% of Loan Amount or $2000

XXXXXXXXXX

436293778

Closed

FCOM1210

REDACTED

Resolved

1 - Information

Compliance

Closing

Note Indicates Prepayment Penalty but CD Does Not Indicate a Prepayment Penalty

Resolved-The Note and CD Prepayment Penalty Issue Resolved - Due Diligence Vendor-<<REDACTED DATE>>
Ready for Review-Disagree - prepayment penalty included - Due Diligence Vendor-<<REDACTED DATE>>
Open-Note Indicates Prepayment Penalty but CD Does Not Indicate a Prepayment Penalty - Due Diligence Vendor-<<REDACTED DATE>>

Ready for Review-Disagree - prepayment penalty included - Due Diligence Vendor-<<REDACTED DATE>>

Resolved-The Note and CD Prepayment Penalty Issue Resolved - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

ATR/QM: Exempt

REDACTED

Investment

Refinance

Limited Cash Out - >2% of Loan Amount or $2000

XXXXXXXXXX

436293779

Closed

finding-3631

REDACTED

Resolved

1 - Information

Compliance

Points & Fees

Reimbursement Amount Validation Test

Resolved- - Due Diligence Vendor-<<REDACTED DATE>>
Ready for Review-DISAGREE – none 0% tolerance fee(s) were increased since Initial Disclosure. The changes found on Final CD were due to closing got pushed up, prepaid interest and Adjustments on Section K & L updated to reflect. - Due Diligence Vendor-<<REDACTED DATE>>
Acknowledged-Acknowledged - Due Diligence Vendor-<<REDACTED DATE>>
Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-<<REDACTED DATE>>

Ready for Review-DISAGREE – none 0% tolerance fee(s) were increased since Initial Disclosure. The changes found on Final CD were due to closing got pushed up, prepaid interest and Adjustments on Section K & L updated to reflect. - Due Diligence Vendor-<<REDACTED DATE>>

Acknowledged-Acknowledged - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

Non-QM: Lender documented all ATR UW factors

REDACTED

Primary Residence

Purchase

XXXXXXXXXX

436293779

Closed

FCOM1227

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

PUD Rider is Missing

Resolved-Document received - Due Diligence Vendor-<<REDACTED DATE>>
Ready for Review-PUD Rider - Due Diligence Vendor-<<REDACTED DATE>>
Open-PUD Rider is Missing - Due Diligence Vendor-<<REDACTED DATE>>

Ready for Review-PUD Rider - Due Diligence Vendor-<<REDACTED DATE>>

Resolved-Document received - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

Non-QM: Lender documented all ATR UW factors

REDACTED

Primary Residence

Purchase

XXXXXXXXXX

436293780

Closed

FCOM1220

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

The Deed of Trust is Missing

Resolved-The Deed of Trust is Present - Due Diligence Vendor-<<REDACTED DATE>>
Ready for Review-SECI - Due Diligence Vendor-<<REDACTED DATE>>
Open-The Deed of Trust is Missing The Deed of Trust was not located in the loan file to validate the information matched the approval.
- Due Diligence Vendor-<<REDACTED DATE>>
Open-The Deed of Trust is Missing - Due Diligence Vendor-<<REDACTED DATE>>

Ready for Review-SECI - Due Diligence Vendor-<<REDACTED DATE>>

Resolved-The Deed of Trust is Present - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

ATR/QM: Exempt

REDACTED

Investment

Purchase

XXXXXXXXXX

436293780

Closed

FCOM1206

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

The Note is Missing

Resolved-The Note is Present - Due Diligence Vendor-<<REDACTED DATE>>
Ready for Review-Note - Due Diligence Vendor-<<REDACTED DATE>>
Open-The Note is Missing The Note for the subject transaction was not located in the loan file to validate the information is correct. - Due Diligence Vendor-<<REDACTED DATE>>
Open-The Note is Missing - Due Diligence Vendor-<<REDACTED DATE>>

Ready for Review-Note - Due Diligence Vendor-<<REDACTED DATE>>

Resolved-The Note is Present - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

ATR/QM: Exempt

REDACTED

Investment

Purchase

XXXXXXXXXX

436293780

Closed

FCRE1241

REDACTED

Resolved

1 - Information

Credit

Missing Doc

Purchase Contract is Missing

Resolved-Received the documentation - Due Diligence Vendor-<<REDACTED DATE>>
Ready for Review-contract - Due Diligence Vendor-<<REDACTED DATE>>
Open-The purchase contract for the subject transaction was not located in the loan file. - Due Diligence Vendor-<<REDACTED DATE>>

Ready for Review-contract - Due Diligence Vendor-<<REDACTED DATE>>

Resolved-Received the documentation - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

ATR/QM: Exempt

REDACTED

Investment

Purchase

XXXXXXXXXX

436293780

Closed

FCRE1161

REDACTED

Resolved

1 - Information

Credit

Missing Doc

Flood Certificate Missing

Resolved-Flood Certificate is fully present - Due Diligence Vendor-<<REDACTED DATE>>
Ready for Review-Flood Cert - Due Diligence Vendor-<<REDACTED DATE>>
Open-Missing Flood Certificate The flood certificate for the subject property was not located in the loan file. - Due Diligence Vendor-<<REDACTED DATE>>

Ready for Review-Flood Cert - Due Diligence Vendor-<<REDACTED DATE>>

Resolved-Flood Certificate is fully present - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

ATR/QM: Exempt

REDACTED

Investment

Purchase

XXXXXXXXXX

436293781

Closed

FCOM1579

REDACTED

Acknowledged

2 - Non-Material

Compliance

Disclosure

NJ Notice to Borrower

Acknowledged- - Due Diligence Vendor-<<REDACTED DATE>>
Open-State Disclosures - Due Diligence Vendor-<<REDACTED DATE>>
Open-State Disclosure Question: Notice to Borrower is Missing Notice to Borrower is Missing - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

Non-QM: Lender documented all ATR UW factors

REDACTED

Primary Residence

Purchase

XXXXXXXXXX

436293781

Closed

FCOM1572

REDACTED

Acknowledged

2 - Non-Material

Compliance

Disclosure

NJ Mortgage Broker Service Agreement

Acknowledged- - Due Diligence Vendor-<<REDACTED DATE>>
Open-State Disclosures - Due Diligence Vendor-<<REDACTED DATE>>
Open-State Disclosure Question: Mortgage Broker Service Agreement is Missing : Mortgage Broker Service Agreement is Missing - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

Non-QM: Lender documented all ATR UW factors

REDACTED

Primary Residence

Purchase

XXXXXXXXXX

436293781

Closed

finding-3529

REDACTED

Resolved

1 - Information

Compliance

TRID

Revised Loan Estimate Delivery Date and Changed Circumstances Date Test

Open-This loan failed the revised loan estimate delivery date and changed circumstances date test. ( 12 CFR §1026.19(e)(3)(iv)(A) - (C), (E), (F) , and (D) as amended in 2015 , and 12 CFR §1026.19(e)(4)(i) )The revised loan estimate delivery date is either: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 information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(4)(i) (revised loan estimate disclosure). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneIf a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and 10% tolerance categories under §1026.19(e)(3)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §1026.19(e)(1)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §1026.19(e)(3)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §1026.19(e)(3)(iv)(D). The revised version of the disclosures required under §1026.19(e)(1)(i) shall contain the revised interest rate, the points disclosed pursuant to §1026.37(f)(1), lender credits, and any other interest rate dependent charges and terms. - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

Non-QM: Lender documented all ATR UW factors

REDACTED

Primary Residence

Purchase

XXXXXXXXXX

436293781

Closed

finding-3536

REDACTED

Resolved

1 - Information

Compliance

TRID

Initial Closing Disclosure Delivery Date and Changed Circumstances Date Test

Open-This loan failed the initial closing disclosure delivery date and changed circumstances date test. ( 12 CFR §1026.19(e)(3)(iv)(A) - (C), (E), (F) , and (D) as amended in 2015 , and 12 CFR §1026.19(e)(4)(i) )The initial closing disclosure delivery date is either: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 information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(4)(i) (revised loan estimate disclosure) and §1026.19(e)(4)(ii) (relationship to closing disclosure).This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneIf a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and 10% tolerance categories under §1026.19(e)(3)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §1026.19(e)(1)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §1026.19(e)(3)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §1026.19(e)(3)(iv)(D). The revised version of the disclosures required under §1026.19(e)(1)(i) shall contain the revised interest rate, the points disclosed pursuant to §1026.37(f)(1), lender credits, and any other interest rate dependent charges and terms.Official Interpretations12 C.F.R. §1026.19(e)(4)(ii)Relationship to disclosures required under §1026.19(f)(1)(i).Revised disclosures may not be delivered at the same time as the Closing Disclosure. §1026.19(e)(4)(ii) prohibits a creditor from providing a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i)...However, if a creditor uses a revised estimate pursuant to § 1026.19(e)(3)(iv) for the purpose of determining good faith under § 1026.19(e)(3)(i) and (ii), § 1026.19(e)(4)(i) permits the creditor to provide the revised estimate in the disclosures required under § 1026.19(f)(1)(i) (including any corrected disclosures provided under § 1026.19(f)(2)(i) or (ii)). - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

Non-QM: Lender documented all ATR UW factors

REDACTED

Primary Residence

Purchase

XXXXXXXXXX

436293781

Closed

finding-3626

REDACTED

Resolved

1 - Information

Compliance

TRID

TRID "Section C. Services You Can Shop For / Services Borrower Did Shop For" Validation Test

Rescinded-This loan failed the TRID "Section C. Services You Can Shop For / Services Borrower Did Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section C. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount and a subtotal of all such amounts the consumer will pay for settlement services for which the consumer can shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

Non-QM: Lender documented all ATR UW factors

REDACTED

Primary Residence

Purchase

XXXXXXXXXX

436293781

Closed

finding-3634

REDACTED

Resolved

1 - Information

Compliance

TRID

Charges That Cannot Increase Test

Open-Batch update on finding per investor. - Due Diligence Vendor-<<REDACTED DATE>>
Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is REDACTED AMOUNTPlease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

Non-QM: Lender documented all ATR UW factors

REDACTED

Primary Residence

Purchase

XXXXXXXXXX

436293781

Closed

finding-3631

REDACTED

Resolved

1 - Information

Compliance

Points & Fees

Reimbursement Amount Validation Test

Rescinded-Exception noted in error. - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

Non-QM: Lender documented all ATR UW factors

REDACTED

Primary Residence

Purchase

XXXXXXXXXX

436293781

Closed

finding-3632

REDACTED

Resolved

1 - Information

Compliance

Disclosure

Consummation or Reimbursement Date Validation Test

Rescinded-Exception noted in error. - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

Non-QM: Lender documented all ATR UW factors

REDACTED

Primary Residence

Purchase

XXXXXXXXXX

436293781

Closed

finding-3545

REDACTED

Resolved

1 - Information

Compliance

TRID

Revised Closing Disclosure Delivery Date and Changed Circumstances Date Test

Open-This loan failed the revised closing disclosure delivery date and changed circumstances date test. ( 12 CFR §1026.19(e)(3)(iv)(A) - (C), (E), (F) , and (D) as amended in 2015 , 12 CFR §1026.19(e)(4)(i) )The revised closing disclosure delivery date is either: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 information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(4)(i) (revised loan estimate disclosure) and §1026.19(e)(4)(ii) (relationship to closing disclosure). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneIf a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and 10% tolerance categories under §1026.19(e)(3)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §1026.19(e)(1)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §1026.19(e)(3)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §1026.19(e)(3)(iv)(D). The revised version of the disclosures required under §1026.19(e)(1)(i) shall contain the revised interest rate, the points disclosed pursuant to §1026.37(f)(1), lender credits, and any other interest rate dependent charges and terms.Official Interpretations12 C.F.R. §1026.19(e)(4)(ii)Relationship to disclosures required under §1026.19(f)(1)(i).Revised disclosures may not be delivered at the same time as the Closing Disclosure. §1026.19(e)(4)(ii) prohibits a creditor from providing a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i)...However, if a creditor uses a revised estimate pursuant to § 1026.19(e)(3)(iv) for the purpose of determining good faith under § 1026.19(e)(3)(i) and (ii), § 1026.19(e)(4)(i) permits the creditor to provide the revised estimate in the disclosures required under § 1026.19(f)(1)(i) (including any corrected disclosures provided under § 1026.19(f)(2)(i) or (ii)). - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

Non-QM: Lender documented all ATR UW factors

REDACTED

Primary Residence

Purchase

XXXXXXXXXX

436293781

Closed

finding-3367

REDACTED

Resolved

1 - Information

Compliance

Disclosure

RESPA Homeownership Counseling Organizations Disclosure Date Test

Rescinded- - Due Diligence Vendor-<<REDACTED DATE>>
Ready for Review-Disagree - initial le within guidelines - Due Diligence Vendor-<<REDACTED DATE>>
Open-This loan failed the homeownership counseling organizations disclosure date test due to the following findings: ( 12 CFR §1024.20(a) )The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page: As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.Please note: This test does not validate the content of any list of homeownership counseling organizations. - Due Diligence Vendor-<<REDACTED DATE>>

Ready for Review-Disagree - initial le within guidelines - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

Non-QM: Lender documented all ATR UW factors

REDACTED

Primary Residence

Purchase

XXXXXXXXXX

436293781

Closed

FCRE1133

REDACTED

Acknowledged

2 - Non-Material

Credit

Eligibility

Purchase Contract Expiration Date is prior to Note Date

Acknowledged-Purchase contract expired, however contract contains continuation verbiage that extends contract and final Closing Disclosure reflects terms of sales contract. - Due Diligence Vendor-<<REDACTED DATE>>
Open-Purchase Contract Expiration Date of <<REDACTED DATE>> is prior to Note Date of <<REDACTED DATE>> - Due Diligence Vendor-<<REDACTED DATE>>

738 FICO
30 Months Reserves

REDACTED

Non-QM: Lender documented all ATR UW factors

REDACTED

Primary Residence

Purchase

XXXXXXXXXX

436293781

Closed

FCRE1491

REDACTED

Resolved

1 - Information

Credit

Assets

Asset Qualification Does Not Meet Guideline Requirements

Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-<<REDACTED DATE>>
Ready for Review-Disagree - 2 fully executed gift letters with the bank statements sourcing the funds. The 2 gifts are from the borrower wife, [Redacted], who is also on title - Due Diligence Vendor-<<REDACTED DATE>>
Open-Asset Qualification Does Not Meet Guideline Requirements The funds for the REDACTED AMOUNT in earnest money deposit came from a person that is not party to the transaction. (Loan File pages 207 & 208) The gift letter for the REDACTED AMOUNT was not located in the loan file as required by the guidelines. (Gift Fund Documentation page 64) Further, the approval certificate supports the funds as a gift. (Loan File page 256) - Due Diligence Vendor-<<REDACTED DATE>>

Ready for Review-Disagree - 2 fully executed gift letters with the bank statements sourcing the funds. The 2 gifts are from the borrower wife, [Redacted], who is also on title - Due Diligence Vendor-<<REDACTED DATE>>

Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

Non-QM: Lender documented all ATR UW factors

REDACTED

Primary Residence

Purchase

XXXXXXXXXX

436293782

Closed

FCOM1206

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

The Note is Missing

Resolved-The Note is Present - Due Diligence Vendor-<<REDACTED DATE>>
Open- - Due Diligence Vendor-<<REDACTED DATE>>
Resolved- - Due Diligence Vendor-<<REDACTED DATE>>
Ready for Review-Note and 1003 - Due Diligence Vendor-<<REDACTED DATE>>
Open-The Note is Missing - Due Diligence Vendor-<<REDACTED DATE>>

Ready for Review-Note and 1003 - Due Diligence Vendor-<<REDACTED DATE>>

Resolved-The Note is Present - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

ATR/QM: Exempt

REDACTED

Investment

Purchase

XXXXXXXXXX

436293782

Closed

FCOM1232

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

The Final 1003 is Missing

Resolved- - Due Diligence Vendor-<<REDACTED DATE>>
Ready for Review-Note and 1003 - Due Diligence Vendor-<<REDACTED DATE>>
Open-The Final 1003 is Missing The final application for the subject transaction was not located in the loan file. - Due Diligence Vendor-<<REDACTED DATE>>

Ready for Review-Note and 1003 - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

ATR/QM: Exempt

REDACTED

Investment

Purchase

XXXXXXXXXX

436293783

Closed

FCOM1328

REDACTED

Acknowledged

2 - Non-Material

Compliance

Disclosure

CA Finance Lender Statement

Acknowledged-Executed specific state disclosure not found in file, but evidence of initial disclosure being provided at application located in audit log or other documentation. - Due Diligence Vendor-<<REDACTED DATE>>
Open-State Disclosure Question: Finance Lender Statement is Missing Finance Lender Statement is Missing - Due Diligence Vendor-<<REDACTED DATE>>
Open-State Disclosure Question: Finance Lender Statement is Missing Finance Lender Statement is Missing - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

Non-QM: Lender documented all ATR UW factors

REDACTED

Primary Residence

Purchase

XXXXXXXXXX

436293783

Closed

FCOM1331

REDACTED

Acknowledged

2 - Non-Material

Compliance

Disclosure

CA Government Monitoring Information

Acknowledged-Executed specific state disclosure not found in file, but evidence of initial disclosure being provided at application located in audit log or other documentation. - Due Diligence Vendor-<<REDACTED DATE>>
Open-State Disclosure Question: Government Monitoring Information is Missing Government Monitoring Information is Missing - Due Diligence Vendor-<<REDACTED DATE>>
Open-State Disclosure Question: Government Monitoring Information is Missing Government Monitoring Information is Missing - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

Non-QM: Lender documented all ATR UW factors

REDACTED

Primary Residence

Purchase

XXXXXXXXXX

436293783

Closed

FCRE1133

REDACTED

Acknowledged

2 - Non-Material

Credit

Eligibility

Purchase Contract Expiration Date is prior to Note Date

740 FICO
20 Months Reserves

REDACTED

Non-QM: Lender documented all ATR UW factors

REDACTED

Primary Residence

Purchase

XXXXXXXXXX

436293783

Closed

FPRO1249

REDACTED

Acknowledged

2 - Non-Material

Property

Neighborhood Location Not Allowed for Program

Acknowledged- - Due Diligence Vendor-<<REDACTED DATE>>
Ready for Review-Disagree - exception approved <<REDACTED DATE>> was in file - Due Diligence Vendor-<<REDACTED DATE>>
Open-Primary Value Valuation Neighborhood Location Not Allowed for Program - Due Diligence Vendor-<<REDACTED DATE>>

Ready for Review-Disagree - exception approved <<REDACTED DATE>> was in file - Due Diligence Vendor-<<REDACTED DATE>>

740 FICO
27 Months Reserves
Exception Approval Provided.

REDACTED

Non-QM: Lender documented all ATR UW factors

REDACTED

Primary Residence

Purchase

XXXXXXXXXX

436293784

Closed

finding-3626

REDACTED

Resolved

1 - Information

Compliance

TRID

TRID "Section C. Services You Can Shop For / Services Borrower Did Shop For" Validation Test

REDACTED

Non-QM: Lender documented all ATR UW factors

REDACTED

Primary Residence

Purchase

XXXXXXXXXX

436293784

Closed

finding-3631

REDACTED

Resolved

1 - Information

Compliance

Points & Fees

Reimbursement Amount Validation Test

Rescinded-Exception noted in error. - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

Non-QM: Lender documented all ATR UW factors

REDACTED

Primary Residence

Purchase

XXXXXXXXXX

436293784

Closed

finding-3632

REDACTED

Resolved

1 - Information

Compliance

Disclosure

Consummation or Reimbursement Date Validation Test

Rescinded-Exception noted in error. - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

Non-QM: Lender documented all ATR UW factors

REDACTED

Primary Residence

Purchase

XXXXXXXXXX

436293784

Closed

finding-3634

REDACTED

Resolved

1 - Information

Compliance

TRID

Charges That Cannot Increase Test

REDACTED

Non-QM: Lender documented all ATR UW factors

REDACTED

Primary Residence

Purchase

XXXXXXXXXX

436293784

Closed

FCRE1133

REDACTED

Acknowledged

2 - Non-Material

Credit

Eligibility

Purchase Contract Expiration Date is prior to Note Date

705 FICO
9 Months Reserves

REDACTED

Non-QM: Lender documented all ATR UW factors

REDACTED

Primary Residence

Purchase

XXXXXXXXXX

436293784

Closed

FPRO1137

REDACTED

Resolved

1 - Information

Property

Appraisal

The appraiser was not licensed (Primary Value)

Resolved- - Due Diligence Vendor-<<REDACTED DATE>>
Open- - Due Diligence Vendor-<<REDACTED DATE>>
Resolved- - Due Diligence Vendor-<<REDACTED DATE>>
Ready for Review-Disagree - appraiser license not expired - Due Diligence Vendor-<<REDACTED DATE>>
Open-Primary Value appraiser's license was not effective prior to the Valuation Date or expired prior to the Valuation Date - Due Diligence Vendor-<<REDACTED DATE>>

Ready for Review-Disagree - appraiser license not expired - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

Non-QM: Lender documented all ATR UW factors

REDACTED

Primary Residence

Purchase

XXXXXXXXXX

436293785

Closed

finding-3352

REDACTED

Acknowledged

2 - Non-Material

Compliance

Points & Fees

Higher-Priced Mortgage Loan Test

Acknowledged-HPML accepted per guidelines. - Due Diligence Vendor-<<REDACTED DATE>>
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )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 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. - Due Diligence Vendor-<<REDACTED DATE>>

Acknowledged-HPML accepted per guidelines. - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

Non-QM: Lender documented all ATR UW factors

REDACTED

Primary Residence

Purchase

XXXXXXXXXX

436293785

Closed

finding-3634

REDACTED

Resolved

1 - Information

Compliance

TRID

Charges That Cannot Increase Test

REDACTED

Non-QM: Lender documented all ATR UW factors

REDACTED

Primary Residence

Purchase

XXXXXXXXXX

436293785

Closed

finding-3632

REDACTED

Resolved

1 - Information

Compliance

Disclosure

Consummation or Reimbursement Date Validation Test

Rescinded-Exception noted in error. - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

Non-QM: Lender documented all ATR UW factors

REDACTED

Primary Residence

Purchase

XXXXXXXXXX

436293785

Closed

finding-3631

REDACTED

Resolved

1 - Information

Compliance

Points & Fees

Reimbursement Amount Validation Test

Rescinded-Exception noted in error. - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

Non-QM: Lender documented all ATR UW factors

REDACTED

Primary Residence

Purchase

XXXXXXXXXX

436293785

Closed

finding-651

REDACTED

Resolved

1 - Information

Compliance

Points & Fees

TILA Finance Charge Test

Open-This loan failed the TILA finance charge test.( 12 CFR §1026.38(o)(2) )The finance charge is REDACTED AMOUNT The disclosed finance charge of REDACTED AMOUNT is not considered accurate because it is understated by more than REDACTED AMOUNT - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

Non-QM: Lender documented all ATR UW factors

REDACTED

Primary Residence

Purchase

XXXXXXXXXX

436293785

Closed

FCRE1133

REDACTED

Acknowledged

2 - Non-Material

Credit

Eligibility

Purchase Contract Expiration Date is prior to Note Date

667 FICO
7 Months Reserves

REDACTED

Non-QM: Lender documented all ATR UW factors

REDACTED

Primary Residence

Purchase

XXXXXXXXXX

436293786

Closed

FCRE1133

REDACTED

Acknowledged

2 - Non-Material

Credit

Eligibility

Purchase Contract Expiration Date is prior to Note Date

701 FICO
196 Months Reserves

REDACTED

ATR/QM: Exempt

REDACTED

Investment

Purchase

XXXXXXXXXX

436293786

Closed

FCRE1491

REDACTED

Resolved

1 - Information

Credit

Assets

Asset Qualification Does Not Meet Guideline Requirements

Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-<<REDACTED DATE>>
Ready for Review-Updated 1003 with only stocks need to close, removed other assets that did not have complete statements in file for. SM-AP email from <<REDACTED DATE>> 6:03 PM. - Due Diligence Vendor-<<REDACTED DATE>>
Open-Asset Qualification Does Not Meet Guideline Requirements - Due Diligence Vendor-<<REDACTED DATE>>

Ready for Review-Updated 1003 with only stocks need to close, removed other assets that did not have complete statements in file for. SM-AP email from <<REDACTED DATE>> 6:03 PM. - Due Diligence Vendor-<<REDACTED DATE>>

Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

ATR/QM: Exempt

REDACTED

Investment

Purchase

XXXXXXXXXX

436293786

Closed

FCRE1468

REDACTED

Resolved

1 - Information

Credit

Missing Doc

Asset 2 Missing

Resolved- - Due Diligence Vendor-<<REDACTED DATE>>
Open-Asset 2 Missing - Due Diligence Vendor-<<REDACTED DATE>>

Resolved- - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

ATR/QM: Exempt

REDACTED

Investment

Purchase

XXXXXXXXXX

436293786

Closed

FCRE1458

REDACTED

Resolved

1 - Information

Credit

Assets

Asset 4 Less Than 2 Months Verified

Resolved-Asset 4 Verified Sufficiently Or Not Applicable - Due Diligence Vendor-<<REDACTED DATE>>
Open-Asset 4 Less Than 2 Months Verified - Due Diligence Vendor-<<REDACTED DATE>>

Resolved-Asset 4 Verified Sufficiently Or Not Applicable - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

ATR/QM: Exempt

REDACTED

Investment

Purchase

XXXXXXXXXX

436293786

Closed

FCOM1477

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

Missing evidence of rate lock

Resolved- - Due Diligence Vendor-<<REDACTED DATE>>
Ready for Review-Disagree - Rate locked after initial LE – uploaded Rate Lock LE and Rate Lock Cert - Due Diligence Vendor-<<REDACTED DATE>>
Open-Evidence of Rate Lock Missing There was no evidence of the Rate Lock Agreement in the loan file. - Due Diligence Vendor-<<REDACTED DATE>>

Ready for Review-Disagree - Rate locked after initial LE – uploaded Rate Lock LE and Rate Lock Cert - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

ATR/QM: Exempt

REDACTED

Investment

Purchase

XXXXXXXXXX

436293786

Closed

FCOM1344

REDACTED

Resolved

1 - Information

Compliance

Disclosure

CA Per Diem Interest Charge Disclosure

Resolved-State Disclosure Question: Per Diem Interest Charge Disclosure Finding is Resolved - Due Diligence Vendor-<<REDACTED DATE>>
Rescinded-Exception noted in error. - Due Diligence Vendor-<<REDACTED DATE>>
Open-State Disclosure Question: Per Diem Interest Charge Disclosure is Unexecuted. There is evidence of the Per Diem Interest Charge Disclosure in the loan file on page 734 ; however, it was not signed by the lender. - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

ATR/QM: Exempt

REDACTED

Investment

Purchase

XXXXXXXXXX

436293786

Closed

FCOM1346

REDACTED

Resolved

1 - Information

Compliance

Disclosure

CA Rate Lock Agreement

Resolved-State Disclosure Question: Rate Lock Agreement Finding is Resolved - Due Diligence Vendor-<<REDACTED DATE>>
Open-State Disclosures - Due Diligence Vendor-<<REDACTED DATE>>
Open-State Disclosure Question: Rate Lock Agreement is Missing. There was no evidence of the Rate Lock Agreement in the loan file. - Due Diligence Vendor-<<REDACTED DATE>>

Resolved-State Disclosure Question: Rate Lock Agreement Finding is Resolved - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

ATR/QM: Exempt

REDACTED

Investment

Purchase

XXXXXXXXXX

436293787

Closed

FCRE7124

REDACTED

Resolved

1 - Information

Credit

Income/Employment

Borrower 1 IRS Transcripts Do Not Match Income Docs

Resolved-Borrower 1 IRS Transcripts Do Not Match Income Docs Condition Resolved - Due Diligence Vendor-<<REDACTED DATE>>
Ready for Review-This finding is not valid: Line one of the 2020/2019 W-2s do match the tax transcripts, both are attached. Written VOE earnings vary from actual W-2s due to written VOE reports only taxable income, see the attached paystub shows variance of approx. 8.66% between gross and taxable wages which would account for the variances, and does not impact the income calculation or approval of the loan, since the W-2s match the tax transcripts. Paystub, transcripts W2s and written VOE all attached - Due Diligence Vendor-<<REDACTED DATE>>
Open-Borrower 1 IRS Transcripts Do Not Match Income Docs Income reporting on W2s and transcripts does not correspond with earnings reporting on WVOE. WVOE page 788, W2s page 786, 787, transcripts page 766, 767, 774. - Due Diligence Vendor-<<REDACTED DATE>>

Ready for Review-This finding is not valid: Line one of the 2020/2019 W-2s do match the tax transcripts, both are attached. Written VOE earnings vary from actual W-2s due to written VOE reports only taxable income, see the attached paystub shows variance of approx. 8.66% between gross and taxable wages which would account for the variances, and does not impact the income calculation or approval of the loan, since the W-2s match the tax transcripts. Paystub, transcripts W2s and written VOE all attached - Due Diligence Vendor-<<REDACTED DATE>>

Resolved-Borrower 1 IRS Transcripts Do Not Match Income Docs Condition Resolved - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

Non-QM: Lender documented all ATR UW factors

REDACTED

Primary Residence

Refinance

Cash Out - Other

XXXXXXXXXX

436293787

Closed

FCRE1193

REDACTED

Resolved

1 - Information

Credit

Eligibility

Audited DTI Exceeds Guideline DTI

Resolved- - Due Diligence Vendor-<<REDACTED DATE>>
Ready for Review-Used base salary and bonus income. Guidelines allow use of bonus income with 2 year history. We have written VOE show receipt in 2020 and 2019 with upward trend. Borrower has been with [Redacted] for 29 years as [Redacted] bonus is likely to continue based on longevity. We also have an exception approved for the use of the bonus - Due Diligence Vendor-<<REDACTED DATE>>
Open-Calculated DTI is 55.80% using borrowers base income only, max DTI is 50%. Final 1003 only includes base earnings, however, 1008 and approval letter include bonus income. WVOE disclosed bonus income for 2020 and 2019, year to date earnings do not include any bonus earnings. LOE or additional documentation from the employer regarding continuance of bonus, time of bonus payout has not been provided. Unable to determine if this income is stll being received with the information provided. WVOE page 788, paystub page 765, lender income worksheet (incomplete) page 763, ATR worksheet (incomplete) page 187, final 1003 page 403, 1008 page 233, approval page 217. - Due Diligence Vendor-<<REDACTED DATE>>

Ready for Review-Used base salary and bonus income. Guidelines allow use of bonus income with 2 year history. We have written VOE show receipt in 2020 and 2019 with upward trend. Borrower has been with [Redacted] for 29 years as [Redacted] bonus is likely to continue based on longevity. We also have an exception approved for the use of the bonus - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

Non-QM: Lender documented all ATR UW factors

REDACTED

Primary Residence

Refinance

Cash Out - Other

XXXXXXXXXX

436293788

Closed

FCRE1197

REDACTED

Acknowledged

2 - Non-Material

Credit

Eligibility

Audited FICO is less than Guideline FICO

Acknowledged-15 Months Reserves
75% LTV - Due Diligence Vendor-<<REDACTED DATE>>
Ready for Review-exception approved - Due Diligence Vendor-<<REDACTED DATE>>
Open-Audited FICO of 644 is less than Guideline FICO of 660 Borrower does not meet minimum FICO requirement of 660 for FTHB. - Due Diligence Vendor-<<REDACTED DATE>>

Ready for Review-exception approved - Due Diligence Vendor-<<REDACTED DATE>>

Acknowledged-15 Months Reserves
75% LTV - Due Diligence Vendor-<<REDACTED DATE>>

15 Months Reserves

REDACTED

Non-QM: Lender documented all ATR UW factors

REDACTED

Primary Residence

Purchase

XXXXXXXXXX

436293788

Closed

FCRE1133

REDACTED

Acknowledged

2 - Non-Material

Credit

Eligibility

Purchase Contract Expiration Date is prior to Note Date

15 Months Reserves

REDACTED

Non-QM: Lender documented all ATR UW factors

REDACTED

Primary Residence

Purchase

XXXXXXXXXX

436293788

Closed

finding-2502

REDACTED

Acknowledged

2 - Non-Material

Compliance

Points & Fees

CT Nonprime Home Loan Test

Acknowledged-Executed specific state disclosure not found in file, but evidence of initial disclosure being provided at application located in audit log or other documentation. - Due Diligence Vendor-<<REDACTED DATE>>
Open-State Disclosures - Due Diligence Vendor-<<REDACTED DATE>>
Open-This loan failed the CT nonprime home loan test.

The loan is a nonprime home loan, as defined in the legislation. For more information please see the Connecticut Nonprime Home Loan Article section of the full ComplianceAnalyzer report.

While the Connecticut Nonprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy nonprime home loans even if the additional conditions are met. - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

Non-QM: Lender documented all ATR UW factors

REDACTED

Primary Residence

Purchase

XXXXXXXXXX

436293788

Closed

FCOM1380

REDACTED

Acknowledged

2 - Non-Material

Compliance

Disclosure

CT Non-Prime Home Loan Counseling Notice

REDACTED

Non-QM: Lender documented all ATR UW factors

REDACTED

Primary Residence

Purchase

XXXXXXXXXX

436293788

Closed

FCRE1440

REDACTED

Acknowledged

2 - Non-Material

Credit

Eligibility

Housing History Does Not Meet Guideline Requirements

Acknowledged-15 Months Reserves
75% LTV - Due Diligence Vendor-<<REDACTED DATE>>
Ready for Review-exception approved - Due Diligence Vendor-<<REDACTED DATE>>
Open-Housing History Does Not Meet Guideline Requirements Rent checks for February, January and November 2020 are not from the borrowers account (page 236, 237, 239). It appears that the borrower pays rent to family member (rent checks tendered via account number 6074 which is the same account number of the gift donor), rent checks are also payable to cash. Copies of checks page 234-246, gift donor documents page 147, 172, 146, 142. - Due Diligence Vendor-<<REDACTED DATE>>

Ready for Review-exception approved - Due Diligence Vendor-<<REDACTED DATE>>

Acknowledged-15 Months Reserves
75% LTV - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

Non-QM: Lender documented all ATR UW factors

REDACTED

Primary Residence

Purchase

XXXXXXXXXX

436293789

REDACTED

Non-QM: Lender documented all ATR UW factors

REDACTED

Primary Residence

Refinance

Cash Out - Other

XXXXXXXXXX

436293790

Closed

finding-651

REDACTED

Resolved

1 - Information

Compliance

Points & Fees

TILA Finance Charge Test

Resolved- - Due Diligence Vendor-<<REDACTED DATE>>
Ready for Review-Disagree – the mentioned difference in fees includes two fees accurately disclosed in Section H. Other – Borrower’s Attorney Fee and New Homeowner Processing Fee paid to - previously uploaded doc covers this - Due Diligence Vendor-<<REDACTED DATE>>
Open-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 REDACTED AMOUNT The disclosed finance charge of REDACTED AMOUNT is not considered accurate because it is understated by more than REDACTED AMOUNT - Due Diligence Vendor-<<REDACTED DATE>>

Ready for Review-Disagree – the mentioned difference in fees includes two fees accurately disclosed in Section H. Other – Borrower’s Attorney Fee and New Homeowner Processing Fee paid to - previously uploaded doc covers this - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

Non-QM: Lender documented all ATR UW factors

REDACTED

Primary Residence

Purchase

XXXXXXXXXX

436293791

Closed

FCRE1148

REDACTED

Acknowledged

2 - Non-Material

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Acknowledged-Final Title Policy not yet received and coverage amount is not reflected on Title Commitment, however Title Committeemen contains verbiage that policy will cover full loan amount. - Due Diligence Vendor-<<REDACTED DATE>>
Open-Title Coverage Amount of REDACTED AMOUNT is Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-<<REDACTED DATE>>

Updated - 12 months reserves

REDACTED

Non-QM: Lender documented all ATR UW factors

REDACTED

Primary Residence

Purchase

XXXXXXXXXX

436293791

Closed

FCRE1194

REDACTED

Acknowledged

2 - Non-Material

Credit

Eligibility

Audited LTV Exceeds Guideline LTV

Acknowledged- - Due Diligence Vendor-<<REDACTED DATE>>
Ready for Review-Agree - APPROVED EXCEPTION ATTACHED a 660 allows 80% LTV - Due Diligence Vendor-<<REDACTED DATE>>
Open-Audited LTV of 79.99% exceeds Guideline LTV of 75% The LTV of 79.99% exceeds the guideline requirement of 75% for the clean slate minimum FICO of 620. - Due Diligence Vendor-<<REDACTED DATE>>

Ready for Review-Agree - APPROVED EXCEPTION ATTACHED a 660 allows 80% LTV - Due Diligence Vendor-<<REDACTED DATE>>

Exception Approval Provided with Comp Factors

REDACTED

Non-QM: Lender documented all ATR UW factors

REDACTED

Primary Residence

Purchase

XXXXXXXXXX

436293792

Closed

finding-3441

REDACTED

Resolved

1 - Information

Compliance

Points & Fees

GSE (Freddie Mac public guidelines) QM Points and Fees Test

Rescinded-Exception noted in error. - Due Diligence Vendor-<<REDACTED DATE>>
Open-This loan failed the QM points and fees test due to one of the following findings: ( Freddie Mac Bulletin 2013-16 )The loan is subject to the ability to repay requirements under Regulation Z, and the points and fees exceed 3% of the total loan amount.The loan is not subject to the ability to repay requirements under Regulation Z, and the points and fees exceed 5% of the total loan amount.Mortgages subject to the ability to repay requirements under Regulation Z with points and fees exceeding 3% of the total loan amount will not be eligible for sale to Freddie Mac.Mortgages exempt from the ability to repay requirements under Regulation Z with points and fees exceeding 5% of the total loan amount will not be eligible for sale to Freddie Mac. - Due Diligence Vendor-<<REDACTED DATE>>

Rescinded-Exception noted in error. - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

Non-QM: Lender documented all ATR UW factors

REDACTED

Primary Residence

Purchase

XXXXXXXXXX

436293792

Closed

finding-3436

REDACTED

Resolved

1 - Information

Compliance

Points & Fees

GSE (Fannie Mae public guidelines) QM Points and Fees Test

Rescinded-Exception noted in error. - Due Diligence Vendor-<<REDACTED DATE>>
Open-This loan failed the QM points and fees test due to one of the following findings: ( Fannie Mae Announcement 2013-06 )The loan is subject to the ability to repay requirements under Regulation Z, and the points and fees exceed 3% of the total loan amount.The loan is not subject to the ability to repay requirements under Regulation Z, and the points and fees exceed 5% of the total loan amount.Mortgages subject to the ability to repay requirements under Regulation Z with points and fees exceeding 3% of the total loan amount will not be eligible for sale to Fannie Mae.Mortgages exempt from the ability to repay requirements under Regulation Z with points and fees exceeding 5% of the total loan amount will not be eligible for sale to Fannie Mae. - Due Diligence Vendor-<<REDACTED DATE>>

Rescinded-Exception noted in error. - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

Non-QM: Lender documented all ATR UW factors

REDACTED

Primary Residence

Purchase

XXXXXXXXXX

436293792

Closed

finding-3635

REDACTED

Resolved

1 - Information

Compliance

TRID

Charges That In Total Cannot Increase More Than 10% Test

Rescinded-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% (REDACTED AMOUNT) exceed the comparable charges (REDACTED AMOUNT) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

Non-QM: Lender documented all ATR UW factors

REDACTED

Primary Residence

Purchase

XXXXXXXXXX

436293792

Closed

finding-3632

REDACTED

Resolved

1 - Information

Compliance

Disclosure

Consummation or Reimbursement Date Validation Test

Rescinded-Exception noted in error. - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

Non-QM: Lender documented all ATR UW factors

REDACTED

Primary Residence

Purchase

XXXXXXXXXX

436293792

Closed

finding-3634

REDACTED

Resolved

1 - Information

Compliance

TRID

Charges That Cannot Increase Test

REDACTED

Non-QM: Lender documented all ATR UW factors

REDACTED

Primary Residence

Purchase

XXXXXXXXXX

436293792

Closed

finding-3631

REDACTED

Resolved

1 - Information

Compliance

Points & Fees

Reimbursement Amount Validation Test

Rescinded-Exception noted in error. - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

Non-QM: Lender documented all ATR UW factors

REDACTED

Primary Residence

Purchase

XXXXXXXXXX

436293792

Closed

FCOM1327

REDACTED

Acknowledged

2 - Non-Material

Compliance

Disclosure

CA Finance Lender Disclosure

Acknowledged-Executed specific state disclosure not found in file, but evidence of initial disclosure being provided at application located in audit log or other documentation. - Due Diligence Vendor-<<REDACTED DATE>>
Open-State Disclosure Question: Finance Lender Disclosure is Missing Finance Lender Disclosure is Missing - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

Non-QM: Lender documented all ATR UW factors

REDACTED

Primary Residence

Purchase

XXXXXXXXXX

436293792

Closed

FCRE1159

REDACTED

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Effective Date is after the Note Date

Resolved- - Due Diligence Vendor-<<REDACTED DATE>>
Ready for Review-Disagree - hazard insurance effective on note date - Due Diligence Vendor-<<REDACTED DATE>>
Open-Hazard Insurance Effective Date of <<REDACTED DATE>> is after the Note Date of <<REDACTED DATE>> - Due Diligence Vendor-<<REDACTED DATE>>

Ready for Review-Disagree - hazard insurance effective on note date - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

Non-QM: Lender documented all ATR UW factors

REDACTED

Primary Residence

Purchase

XXXXXXXXXX

436293794

Closed

FCOM1224

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

Condo Rider is Missing

Resolved- - Due Diligence Vendor-<<REDACTED DATE>>
Ready for Review-This is not a condo per title. Appraisal may have been ordered under the pretense it was a condo. - Due Diligence Vendor-<<REDACTED DATE>>
Counter-The appraisal located in the loan file indicated the subject is a condo due to the form of 1073. - Due Diligence Vendor-<<REDACTED DATE>>
Ready for Review-Per Title, not a Condo. A survey was done, which backs up their commentary - Due Diligence Vendor-<<REDACTED DATE>>
Open-Condo Rider is Missing - Due Diligence Vendor-<<REDACTED DATE>>

Ready for Review-This is not a condo per title. Appraisal may have been ordered under the pretense it was a condo. - Due Diligence Vendor-<<REDACTED DATE>>
Ready for Review-Per Title, not a Condo. A survey was done, which backs up their commentary - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

Non-QM: Lender documented all ATR UW factors

REDACTED

Primary Residence

Refinance

Cash Out - Other

XXXXXXXXXX

436293794

Closed

FVAL4977

REDACTED

Resolved

1 - Information

Property

Appraisal

Wrong appraisal form for single family home

Resolved- - Due Diligence Vendor-<<REDACTED DATE>>
Ready for Review-Please find attached the corrected Appraisal now on a 1004.; SM-AP email on <<REDACTED DATE>> at 9:08 AM. - Due Diligence Vendor-<<REDACTED DATE>>
Open-Appraisal is on form 1073 and subject property is Single Family Detached. - Due Diligence Vendor-<<REDACTED DATE>>

Ready for Review-Please find attached the corrected Appraisal now on a 1004.; SM-AP email on <<REDACTED DATE>> at 9:08 AM. - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

Non-QM: Lender documented all ATR UW factors

REDACTED

Primary Residence

Refinance

Cash Out - Other

XXXXXXXXXX

436293794

Closed

FCRE1173

REDACTED

Resolved

1 - Information

Credit

Missing Doc

HO6 Master Insurance Policy is Missing

Resolved- - Due Diligence Vendor-<<REDACTED DATE>>
Ready for Review-not a condo per title - Due Diligence Vendor-<<REDACTED DATE>>
Counter-The appraisal located in the loan file indicated the subject is a condo due to the form of 1073. - Due Diligence Vendor-<<REDACTED DATE>>
Ready for Review-Not a condo, no HO6 needed - Due Diligence Vendor-<<REDACTED DATE>>
Open-Missing HO-6 Master Insurance Policy - Due Diligence Vendor-<<REDACTED DATE>>

Ready for Review-not a condo per title - Due Diligence Vendor-<<REDACTED DATE>>
Ready for Review-Not a condo, no HO6 needed - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

Non-QM: Lender documented all ATR UW factors

REDACTED

Primary Residence

Refinance

Cash Out - Other

XXXXXXXXXX

436293795

Closed

FCRE1148

REDACTED

Acknowledged

2 - Non-Material

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

43 months reserves

REDACTED

ATR/QM: Exempt

ATR/QM: Not Applicable

REDACTED

Investment

Refinance

Cash Out - Other

XXXXXXXXXX

436293795

Closed

finding-3631

REDACTED

Resolved

1 - Information

Compliance

Points & Fees

Reimbursement Amount Validation Test

Resolved- - Due Diligence Vendor-<<REDACTED DATE>>
Ready for Review-DISAGREE – CURE not required for Borrower shopped, title fees updated to reflect chosen title company - Due Diligence Vendor-<<REDACTED DATE>>
Acknowledged-Acknowledged - Due Diligence Vendor-<<REDACTED DATE>>
Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. COCs pages 332,641,319 and 315 entered and verified. Estimate and CD entry verified - Due Diligence Vendor-<<REDACTED DATE>>
Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-<<REDACTED DATE>>

Ready for Review-DISAGREE – CURE not required for Borrower shopped, title fees updated to reflect chosen title company - Due Diligence Vendor-<<REDACTED DATE>>

Acknowledged-Acknowledged - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

ATR/QM: Exempt

ATR/QM: Not Applicable

REDACTED

Investment

Refinance

Cash Out - Other

XXXXXXXXXX

436293795

Closed

FCRE1492

REDACTED

Acknowledged

2 - Non-Material

Credit

Assets

Cash Out Does Not Meet Guideline Requirements

Acknowledged- - Due Diligence Vendor-<<REDACTED DATE>>
Ready for Review-Disagree - Borrower received less cash out only 167K than amount due when purchased over 200K see attached settlement statements. Borrower owned property less than 12 months, exception in file at time of closing, see attached. - Due Diligence Vendor-<<REDACTED DATE>>
Open-Cash Out Does Not Meet Guideline Requirements Guidelines allow Cash Out limited to recoupment of funds used to purchase subject property that has been owned by borrower for at least 12 months. Cannot exceed initial purchase price (Foreign National Eligibility Matrix <<REDACTED DATE>>). Subject has not been owned for at least 12 months. Purchased <<REDACTED DATE>> with note date of <<REDACTED DATE>>. (Appraisal page 42 and Chase account 9231 page 173) - Due Diligence Vendor-<<REDACTED DATE>>

Ready for Review-Disagree - Borrower received less cash out only 167K than amount due when purchased over 200K see attached settlement statements. Borrower owned property less than 12 months, exception in file at time of closing, see attached. - Due Diligence Vendor-<<REDACTED DATE>>

51 Months Reserves
65% LTV

REDACTED

ATR/QM: Exempt

ATR/QM: Not Applicable

REDACTED

Investment

Refinance

Cash Out - Other

XXXXXXXXXX

436293796

Closed

FCOM1567

REDACTED

Acknowledged

2 - Non-Material

Compliance

Disclosure

NJ Delivery Service Fee Authorization

Acknowledged-Executed specific state disclosure not found in file, but evidence of initial disclosure being provided at application located in audit log or other documentation. - Due Diligence Vendor-<<REDACTED DATE>>
Open-State Disclosure Question: Delivery Service Fee Authorization is Missing There was no evidence of the Delivery Service Fee Authorization disclosure in the file. - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

ATR/QM: Exempt

REDACTED

Investment

Refinance

Limited Cash Out - >2% of Loan Amount or $2000

XXXXXXXXXX

436293796

Closed

FCOM1572

REDACTED

Acknowledged

2 - Non-Material

Compliance

Disclosure

NJ Mortgage Broker Service Agreement

Acknowledged-Executed specific state disclosure not found in file, but evidence of initial disclosure being provided at application located in audit log or other documentation. - Due Diligence Vendor-<<REDACTED DATE>>
Open-State Disclosure Question: Mortgage Broker Service Agreement is Missing There was no evidence of the Mortgage Broker Service Agreement in the file. - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

ATR/QM: Exempt

REDACTED

Investment

Refinance

Limited Cash Out - >2% of Loan Amount or $2000

XXXXXXXXXX

436293796

Closed

FPRO1253

REDACTED

Resolved

1 - Information

Property

Data

Secondary Valuation or Additional Valuation has not been entered per securitization requirements

Resolved- - Due Diligence Vendor-<<REDACTED DATE>>
Ready for Review-CDA - Due Diligence Vendor-<<REDACTED DATE>>
Open-Secondary Valuation or Additional Valuation has not been entered per securitization requirements and CU Score, if present, is greater than 2.5 Secondary valuation not provided, CU score not provided - Due Diligence Vendor-<<REDACTED DATE>>

Ready for Review-CDA - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

ATR/QM: Exempt

REDACTED

Investment

Refinance

Limited Cash Out - >2% of Loan Amount or $2000

XXXXXXXXXX

436293796

Closed

FCRE1335

REDACTED

Acknowledged

2 - Non-Material

Credit

Missing Doc

Borrower 1 IRS Transcripts Missing

Acknowledged- - Due Diligence Vendor-<<REDACTED DATE>>
Open-Borrower 1 IRS Transcripts Missing - Due Diligence Vendor-<<REDACTED DATE>>

4.42 months reserves
788 FICO

REDACTED

ATR/QM: Exempt

REDACTED

Investment

Refinance

Limited Cash Out - >2% of Loan Amount or $2000

XXXXXXXXXX

436293802

Closed

FCRE1339

REDACTED

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Personal Bank Statements Missing

Resolved- - Due Diligence Vendor-<<REDACTED DATE>>
Resolved- - Due Diligence Vendor-<<REDACTED DATE>>
Ready for Review-Statements - Due Diligence Vendor-<<REDACTED DATE>>
Open-Borrower 1 Personal Bank Statements Missing Loan approval states income based on 12 months personal bank statements. only 4 months bank statements in file. - Due Diligence Vendor-<<REDACTED DATE>>

Ready for Review-Statements - Due Diligence Vendor-<<REDACTED DATE>>

Resolved- - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

Non-QM: Lender documented all ATR UW factors

REDACTED

Primary Residence

Refinance

Cash Out - Other

XXXXXXXXXX

436293802

Closed

FCRE1347

REDACTED

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 3rd Party VOE Prior to Close Missing

Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-<<REDACTED DATE>>
Ready for Review-B2 WVOE - Due Diligence Vendor-<<REDACTED DATE>>
Open-Borrower 2 3rd Party VOE Prior to Close Missing No employment verification in the file. - Due Diligence Vendor-<<REDACTED DATE>>

Ready for Review-B2 WVOE - Due Diligence Vendor-<<REDACTED DATE>>

Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

Non-QM: Lender documented all ATR UW factors

REDACTED

Primary Residence

Refinance

Cash Out - Other

XXXXXXXXXX

436293802

Closed

FCRE1317

REDACTED

Resolved

1 - Information

Credit

Income/Employment

Borrower 1 Total Years Employment Verified is Less Than 24 Months

Resolved-Borrower 1 Total Years Employment Verified is Greater Than or Equal To 24 Months - Due Diligence Vendor-<<REDACTED DATE>>
Ready for Review-CPA business verification was in file - Due Diligence Vendor-<<REDACTED DATE>>
Open-Borrower 1 Total Years Employment Verified is Less Than 24 Months No documentation in file showing ownership in business or if business is still in operation. - Due Diligence Vendor-<<REDACTED DATE>>

Ready for Review-CPA business verification was in file - Due Diligence Vendor-<<REDACTED DATE>>

Resolved-Borrower 1 Total Years Employment Verified is Greater Than or Equal To 24 Months - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

Non-QM: Lender documented all ATR UW factors

REDACTED

Primary Residence

Refinance

Cash Out - Other

XXXXXXXXXX

436293802

Closed

FCRE1316

REDACTED

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-<<REDACTED DATE>>
Resolved- - Due Diligence Vendor-<<REDACTED DATE>>
Ready for Review-B1 VVOE was expired at closing. Business is still active today - Due Diligence Vendor-<<REDACTED DATE>>
Open-Borrower 1 3rd Party VOE Prior to Close Missing No documentation in file showing ownership in business or if business is still in operation. - Due Diligence Vendor-<<REDACTED DATE>>

Ready for Review-B1 VVOE was expired at closing. Business is still active today - Due Diligence Vendor-<<REDACTED DATE>>

Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

Non-QM: Lender documented all ATR UW factors

REDACTED

Primary Residence

Refinance

Cash Out - Other

XXXXXXXXXX

436293802

Closed

FCRE1348

REDACTED

Resolved

1 - Information

Credit

Income/Employment

Borrower 2 Total Years Employment Verified is Less Than 24 Months

Resolved-Borrower 2 Total Years Employment Verified is Greater Than or Equal To 24 Months or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-<<REDACTED DATE>>
Resolved-The documentation was received that supports the Co-Borrower's employment history. The documentation does reflect a four month gap of employment in 2020. Did not require the addressing of the gap due to this being at the beginning of Covid. - Due Diligence Vendor-<<REDACTED DATE>>
Ready for Review-B2 VOEs uploaded - Due Diligence Vendor-<<REDACTED DATE>>
Counter-If the Co-Borrower's income was not used in qualifying, the removal of the monthly income of REDACTED AMOUNT from the total income of REDACTED AMOUNT results in a monthly income of REDACTED AMOUNT Using the REDACTED AMOUNT to calculate the Total DTI would result in the DTI of 159.03% with a total debt of REDACTED AMOUNT - Due Diligence Vendor-<<REDACTED DATE>>
Ready for Review-No need for B2 employment to be verified, not using their income - Due Diligence Vendor-<<REDACTED DATE>>
Open-Borrower 2 Total Years Employment Verified is Less Than 24 Months No employment verification in the file. - Due Diligence Vendor-<<REDACTED DATE>>

Ready for Review-B2 VOEs uploaded - Due Diligence Vendor-<<REDACTED DATE>>
Ready for Review-No need for B2 employment to be verified, not using their income - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

Non-QM: Lender documented all ATR UW factors

REDACTED

Primary Residence

Refinance

Cash Out - Other

XXXXXXXXXX

436293802

Closed

FCRE1335

REDACTED

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 IRS Transcripts Missing

Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-<<REDACTED DATE>>
Open-Borrower 1 IRS Transcripts Missing - Due Diligence Vendor-<<REDACTED DATE>>

Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

Non-QM: Lender documented all ATR UW factors

REDACTED

Primary Residence

Refinance

Cash Out - Other

XXXXXXXXXX

436293802

Closed

FCRE1363

REDACTED

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 WVOE Missing

Resolved- - Due Diligence Vendor-<<REDACTED DATE>>
Resolved- - Due Diligence Vendor-<<REDACTED DATE>>
Ready for Review-B2 written VOE - Due Diligence Vendor-<<REDACTED DATE>>
Open-Borrower 2 WVOE Missing - Due Diligence Vendor-<<REDACTED DATE>>

Ready for Review-B2 written VOE - Due Diligence Vendor-<<REDACTED DATE>>

Resolved- - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

Non-QM: Lender documented all ATR UW factors

REDACTED

Primary Residence

Refinance

Cash Out - Other

XXXXXXXXXX

436293802

Closed

FCRE1365

REDACTED

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 IRS Transcripts Missing

Resolved-Borrower 2 IRS Transcripts Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-<<REDACTED DATE>>
Ready for Review-B2 Transcripts - Due Diligence Vendor-<<REDACTED DATE>>
Open-Borrower 2 IRS Transcripts Missing - Due Diligence Vendor-<<REDACTED DATE>>

Ready for Review-B2 Transcripts - Due Diligence Vendor-<<REDACTED DATE>>

Resolved-Borrower 2 IRS Transcripts Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

Non-QM: Lender documented all ATR UW factors

REDACTED

Primary Residence

Refinance

Cash Out - Other

XXXXXXXXXX

436293802

Closed

FCRE1360

REDACTED

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Paystubs Missing

Resolved- - Due Diligence Vendor-<<REDACTED DATE>>
Resolved- - Due Diligence Vendor-<<REDACTED DATE>>
Ready for Review-Paystubs - Due Diligence Vendor-<<REDACTED DATE>>
Open-Borrower 2 Paystubs Missing - Due Diligence Vendor-<<REDACTED DATE>>

Ready for Review-Paystubs - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

Non-QM: Lender documented all ATR UW factors

REDACTED

Primary Residence

Refinance

Cash Out - Other

XXXXXXXXXX

436293802

Closed

FCRE1155

REDACTED

Resolved

1 - Information

Credit

Insurance

Subject Property Address on Note does not match Insured Property Address

Resolved- - Due Diligence Vendor-<<REDACTED DATE>>
Ready for Review-HOI provided - Due Diligence Vendor-<<REDACTED DATE>>
Open-Subject Property on Note does not match Insured Property Address HOI policy is not in file. - Due Diligence Vendor-<<REDACTED DATE>>

Ready for Review-HOI provided - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

Non-QM: Lender documented all ATR UW factors

REDACTED

Primary Residence

Refinance

Cash Out - Other

XXXXXXXXXX

436293802

Closed

FCOM1477

REDACTED

Acknowledged

2 - Non-Material

Compliance

Missing Doc

Missing evidence of rate lock

Acknowledged- - Due Diligence Vendor-<<REDACTED DATE>>
Ready for Review-This should be a B finding - CA disclosure condition was rescinded - Due Diligence Vendor-<<REDACTED DATE>>
Open-Evidence of Rate Lock Missing - Due Diligence Vendor-<<REDACTED DATE>>

Ready for Review-This should be a B finding - CA disclosure condition was rescinded - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

Non-QM: Lender documented all ATR UW factors

REDACTED

Primary Residence

Refinance

Cash Out - Other

XXXXXXXXXX

436293802

Closed

FCRE1156

REDACTED

Resolved

1 - Information

Credit

Insurance

Named Insured on Hazard Insurance does not match Borrower(s) Name(s)

Resolved- - Due Diligence Vendor-<<REDACTED DATE>>
Ready for Review-HOI Policy - names match - Due Diligence Vendor-<<REDACTED DATE>>
Open-Named Insured does not match Borrower(s) Name(s) HOI Policy is not in file - Due Diligence Vendor-<<REDACTED DATE>>

Ready for Review-HOI Policy - names match - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

Non-QM: Lender documented all ATR UW factors

REDACTED

Primary Residence

Refinance

Cash Out - Other

XXXXXXXXXX

436293802

Closed

FCRE1161

REDACTED

Resolved

1 - Information

Credit

Missing Doc

Flood Certificate Missing

Resolved- - Due Diligence Vendor-<<REDACTED DATE>>
Ready for Review-Flood Cert - Due Diligence Vendor-<<REDACTED DATE>>
Open-Missing Flood Certificate Flood Certificate is not in file. - Due Diligence Vendor-<<REDACTED DATE>>

Ready for Review-Flood Cert - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

Non-QM: Lender documented all ATR UW factors

REDACTED

Primary Residence

Refinance

Cash Out - Other

XXXXXXXXXX

436293802

Closed

FCRE1157

REDACTED

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved- - Due Diligence Vendor-<<REDACTED DATE>>
Ready for Review-HOI Policy - Due Diligence Vendor-<<REDACTED DATE>>
Open-Missing Hazard Insurance Policy - Due Diligence Vendor-<<REDACTED DATE>>

Ready for Review-HOI Policy - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

Non-QM: Lender documented all ATR UW factors

REDACTED

Primary Residence

Refinance

Cash Out - Other

XXXXXXXXXX

436293802

Closed

FCRE1201

REDACTED

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report not Provided

Resolved- - Due Diligence Vendor-<<REDACTED DATE>>
Ready for Review-Final Fraud - Due Diligence Vendor-<<REDACTED DATE>>
Open-Missing Third Party Fraud Report - Due Diligence Vendor-<<REDACTED DATE>>

Ready for Review-Final Fraud - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

Non-QM: Lender documented all ATR UW factors

REDACTED

Primary Residence

Refinance

Cash Out - Other

XXXXXXXXXX

436293803

Closed

finding-3626

REDACTED

Resolved

1 - Information

Compliance

TRID

TRID "Section C. Services You Can Shop For / Services Borrower Did Shop For" Validation Test

Resolved-Resolved - Due Diligence Vendor-<<REDACTED DATE>>
Rescinded-This loan failed the TRID "Section C. Services You Can Shop For / Services Borrower Did Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section C. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount and a subtotal of all such amounts the consumer will pay for settlement services for which the consumer can shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

Non-QM: Lender documented all ATR UW factors

REDACTED

Primary Residence

Refinance

Limited Cash Out - >2% of Loan Amount or $2000

XXXXXXXXXX

436293803

Closed

finding-3652

REDACTED

Resolved

1 - Information

Compliance

TRID

Lender Credits That Cannot Decrease Test

Resolved-Resolved - Due Diligence Vendor-<<REDACTED DATE>>
Acknowledged-Acknowledged - Due Diligence Vendor-<<REDACTED DATE>>
Open-This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits (REDACTED AMOUNT) does not exceed or equal the comparable sum of specific and non-specific lender credits (REDACTED AMOUNT). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-<<REDACTED DATE>>

Resolved-Resolved - Due Diligence Vendor-<<REDACTED DATE>>
Acknowledged-Acknowledged - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

Non-QM: Lender documented all ATR UW factors

REDACTED

Primary Residence

Refinance

Limited Cash Out - >2% of Loan Amount or $2000

XXXXXXXXXX

436293804

Closed

finding-3634

REDACTED

Resolved

1 - Information

Compliance

TRID

Charges That Cannot Increase Test

Resolved- - Due Diligence Vendor-<<REDACTED DATE>>
Ready for Review-DISAGREE – Tolerance CURE of REDACTED AMOUNT was issued on Final CD - Due Diligence Vendor-<<REDACTED DATE>>
Acknowledged-Acknowledged - Due Diligence Vendor-<<REDACTED DATE>>
Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is REDACTED AMOUNTPlease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-<<REDACTED DATE>>

Ready for Review-DISAGREE – Tolerance CURE of REDACTED AMOUNT was issued on Final CD - Due Diligence Vendor-<<REDACTED DATE>>

Acknowledged-Acknowledged - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

ATR/QM: Not Applicable

REDACTED

Investment

Refinance

No Cash Out - Borrower Initiated

XXXXXXXXXX

436293805

Closed

FCOM1206

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

The Note is Missing

Resolved- - Due Diligence Vendor-<<REDACTED DATE>>
Open- - Due Diligence Vendor-<<REDACTED DATE>>
Resolved- - Due Diligence Vendor-<<REDACTED DATE>>
Ready for Review-Note and deed - Due Diligence Vendor-<<REDACTED DATE>>
Open-The Note is Missing - Due Diligence Vendor-<<REDACTED DATE>>

Ready for Review-Note and deed - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

Non-QM: Lender documented all ATR UW factors

REDACTED

Primary Residence

Purchase

XXXXXXXXXX

436293805

Closed

FCOM1227

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

PUD Rider is Missing

Resolved- - Due Diligence Vendor-<<REDACTED DATE>>
Ready for Review-New DOT and Rider - Due Diligence Vendor-<<REDACTED DATE>>
Open-PUD Rider is Missing - Due Diligence Vendor-<<REDACTED DATE>>

Ready for Review-New DOT and Rider - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

Non-QM: Lender documented all ATR UW factors

REDACTED

Primary Residence

Purchase

XXXXXXXXXX

436293805

Closed

FCOM1220

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

The Deed of Trust is Missing

Resolved- - Due Diligence Vendor-<<REDACTED DATE>>
Ready for Review-Note and deed - Due Diligence Vendor-<<REDACTED DATE>>
Open-The Deed of Trust is Missing - Due Diligence Vendor-<<REDACTED DATE>>

Ready for Review-Note and deed - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

Non-QM: Lender documented all ATR UW factors

REDACTED

Primary Residence

Purchase

XXXXXXXXXX

436293806

Closed

FCRE1133

REDACTED

Acknowledged

2 - Non-Material

Credit

Eligibility

Purchase Contract Expiration Date is prior to Note Date

674 FICO
20 Months Reserves

REDACTED

Non-QM: Lender documented all ATR UW factors

ATR/QM: Not Applicable

REDACTED

Investment

Purchase

XXXXXXXXXX

436293806

Closed

finding-3635

REDACTED

Resolved

1 - Information

Compliance

TRID

Charges That In Total Cannot Increase More Than 10% Test

Resolved- - Due Diligence Vendor-<<REDACTED DATE>>
Ready for Review-DISAGREE – CURE not required for Borrower shopped, title fees updated to reflect chosen title company in Section C of CD p2 - Due Diligence Vendor-<<REDACTED DATE>>
Acknowledged-Acknowledged - Due Diligence Vendor-<<REDACTED DATE>>
Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% (REDACTED AMOUNT) exceed the comparable charges (REDACTED AMOUNT) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-<<REDACTED DATE>>

Ready for Review-DISAGREE – CURE not required for Borrower shopped, title fees updated to reflect chosen title company in Section C of CD p2 - Due Diligence Vendor-<<REDACTED DATE>>

Acknowledged-Acknowledged - Due Diligence Vendor-<<REDACTED DATE>>

REDACTED

Non-QM: Lender documented all ATR UW factors

ATR/QM: Not Applicable

REDACTED

Investment

Purchase