Update to the overall QM HUD determination audits to consider the exclusion from the points and fees for manufactured housing.    

Update to logic for the Rate Lock Expiration audit that ensures the Disbursement Date is before the rate lock expires.  Updated to use the most commonly used Rate Lock Expiration date field from a prior-used rate lock expiration date field. 

Update to the FHA QM audits to not have the Price-Based Limit return. 

Update to CT High Cost test to use APOR instead of T-bill for APR comparison. 

Updates to Veterans Affairs QM Audit Logic to restrict points and fees checks to only Interest Rate Reduction Refinancing Loans ("IRRRLs"). Aligns with the points and fees test results which indicate only applies to IRRRLs. 

Update to the QM audit which ensures the loan term is less than 30 years, to account for bi-weekly terms which will exceed 360 payments. 

Revision to the NC Permissible Fees audit to include consideration of an Underwriting Fee in the maximum 1/4 of 1% limit. 

Update to the signature logic for Total Estimated Funds Needed to Close to not include Title Only or Non-Title Spouse. 

Update to programming for assigned loan amount on New Mexico Assignment of Mortgage (page 2 amount was pulling Other Lien amount). 

Minor updates to the programming for the North Carolina Loan Modification Agreement (NC5162.LMA).  Updates include adding vesting to borrower names, updating the mapping of the dates used to refer to the prior lien and the lien amounts being modified.