Saluda Grade Mortgage Funding LLC ABS-15G
Exhibit 99.1 Schedule 1
Saluda Grade
DSCR Cumulative
12/8/2022
Loan ID | Customer Loan ID | Seller Loan ID | Note Date | Original Loan Amount | Last Name | Property State | Occupancy | Purpose | Originator QM/ATR Status | TPR QM/ATR Status | Exception ID | Exception Number | Exception Date | Exception Type | Exception Subcategory | Exception | Exception Remedy | Rebuttal | TPR Response | Compensating Factors | Status Update Date | Finding Status | Initial Exception Grade | Final Exception Grade | Initial Loan Grade | Final Loan Grade |
104296 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 283223 | 1 of 3 | 2022-02-02 21:19 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. No additional valuation product is in file to support the original valuation within a 10% variance. | CDA obtained which supported value. | 2022-11-04 21:19 | Resolved | 3 | 1 | 3 | 1 | |||||
104296 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 369805 | 2 of 3 | 2022-03-28 18:25 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-03-28 18:25 | Cleared | 1 | 1 | 3 | 1 | ||||||
104296 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 372291 | 3 of 3 | 2022-03-29 19:45 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | 2022-03-29 19:45 | Cleared | 1 | 1 | 3 | 1 | ||||||
105049 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 283128 | 1 of 3 | 2022-02-02 20:57 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. No additional valuation product is in file to support the original valuation within a 10% variance. | CDA obtained which supported value. | 2022-11-04 20:57 | Resolved | 3 | 1 | 3 | 1 | |||||
105049 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 306362 | 2 of 3 | 2022-02-17 04:06 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-02-17 04:06 | Cleared | 1 | 1 | 3 | 1 | ||||||
105049 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 309840 | 3 of 3 | 2022-02-18 17:19 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | 2022-02-18 17:19 | Cleared | 1 | 1 | 3 | 1 | ||||||
105233 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 283173 | 1 of 4 | 2022-03-15 12:37 | Credit | Flood Certificate Missing | Missing flood certificate. | Flood Certs uploaded. | Documentation provided was sufficient. | 2022-05-17 12:37 | Resolved | 4 | 1 | 4 | 1 | ||||
105233 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 309275 | 2 of 4 | 2022-03-15 12:40 | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of 5 month(s) are less than Guideline Required Reserves of 6 month(s). Verified assets of $XXXX do not meet the minimum 6 month reserve requirement of $XXXX. | Bank Statements and HUD-1 uploaded. | Documentation provided was sufficient. | 2022-05-18 16:54 | Resolved | 3 | 1 | 4 | 1 | ||||
105233 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 348647 | 3 of 4 | 2022-03-15 13:20 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. No additional valuation product is in file to support the original valuation within a 10% variance. | CDAs obtained which supported value. | 2022-08-30 13:20 | Resolved | 3 | 1 | 4 | 1 | |||||
105233 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 369808 | 4 of 4 | 2022-03-28 18:26 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-03-28 18:26 | Cleared | 1 | 1 | 4 | 1 | ||||||
105361 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 282129 | 1 of 4 | 2022-03-15 13:49 | Credit | Asset 1 Less Than 2 Months Verified | Verified Lender guidelines require assets to be verified/seasoned for 60 days. Only 1 month bank statements are in file. | Bank Statements uploaded. | Documentation provided was sufficient. | 2022-05-17 19:52 | Resolved | 3 | 1 | 4 | 1 | ||||
105361 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 282189 | 2 of 4 | 2022-02-02 14:57 | Credit | Flood Certificate Missing | Missing flood certificate. | Flood Cert uploaded. | Documentation provided was sufficient. | 2022-05-17 19:52 | Resolved | 4 | 1 | 4 | 1 | ||||
105361 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 306363 | 3 of 4 | 2022-02-17 04:47 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-02-17 04:47 | Cleared | 1 | 1 | 4 | 1 | ||||||
105361 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 348584 | 4 of 4 | 2022-03-15 13:02 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. No additional valuation product is in file to support the original valuation within a 10% variance. | CDA obtained which supported value. | 2022-08-30 13:02 | Resolved | 3 | 1 | 4 | 1 | |||||
105375 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 282591 | 1 of 3 | 2022-02-02 16:51 | Credit | Flood Certificate Missing | Missing flood certificate. | Flood Cert uploaded. | Documentation provided was sufficient. | 2022-05-17 16:51 | Resolved | 4 | 1 | 4 | 3 | ||||
105375 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 306364 | 2 of 3 | 2022-02-17 05:00 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-02-17 05:00 | Cleared | 1 | 1 | 4 | 3 | ||||||
105375 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 348669 | 3 of 3 | 2022-03-15 13:31 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. No additional valuation product is in file to support the original valuation within a 10% variance. | BPO obtained which did not support value | 2022-03-15 13:31 | Upheld | 3 | 3 | 4 | 3 | |||||
105546 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 283865 | 1 of 5 | 2022-02-03 14:00 | Credit | Flood Certificate Missing | Missing flood certificate. | Flood Cert uploaded. | Documentation provided was sufficient. | 2022-05-17 15:25 | Resolved | 4 | 1 | 4 | 2 | ||||
105546 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 283901 | 2 of 5 | 2022-02-03 14:19 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. No additional valuation product is in file to support the original valuation within a 10% variance. | CDA obtained which supported value. | 2022-11-04 14:19 | Resolved | 3 | 1 | 4 | 2 | |||||
105546 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 307047 | 3 of 5 | 2022-03-15 13:55 | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s). Total verified assets of $XXXX do not meet the minimum reserve requirement of $XXXX. | Bank Statements uploaded. Formal exception uploaded. | Total Cash to Close was $XXXX and reserves required were $XXXX however total verified assets are $XXXX which is not sufficient. Formal exception with compensating factors reviewed. | DSCR of 1.65 which exceeds minimum of 1 and leverage ratios are 60% | 2022-05-23 14:05 | Waived | 3 | 2 | 4 | 2 | |||
105546 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 318304 | 4 of 5 | 2022-02-24 21:01 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-02-24 21:01 | Cleared | 1 | 1 | 4 | 2 | ||||||
105546 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 348729 | 5 of 5 | 2022-03-15 13:54 | Credit | Asset 1 Less Than 2 Months Verified | Lender guidelines require assets to be verified/seasoned for 60 days. Only 1 month bank statements are in file for all XXXX accounts. | Bank Statements uploaded. Formal exception uploaded. | Total Cash to Close was $XXXX and total verified assets are $XXXX which is not sufficient. Formal exception with compensating factors reviewed. | DSCR of 1.65 which exceeds minimum of 1 and leverage ratios are 60% | 2022-05-23 19:55 | Waived | 3 | 2 | 4 | 2 | |||
105574 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 305914 | 1 of 3 | 2022-02-16 21:03 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-02-16 21:03 | Cleared | 1 | 1 | 3 | 1 | ||||||
105574 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 348893 | 2 of 3 | 2022-03-15 14:35 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. No additional valuation product is in file to support the original valuation within a 10% variance. | BPO obtained which supported value. | 2022-03-15 14:35 | Resolved | 3 | 1 | 3 | 1 | |||||
105574 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 372317 | 3 of 3 | 2022-03-29 19:51 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | 2022-03-29 19:51 | Cleared | 1 | 1 | 3 | 1 | ||||||
105602 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 306072 | 1 of 3 | 2022-02-16 21:51 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-02-16 21:51 | Cleared | 1 | 1 | 3 | 1 | ||||||
105602 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 348899 | 2 of 3 | 2022-03-15 14:41 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. No additional valuation product is in file to support the original valuation within a 10% variance. | CDA obtained which supported value. | 2022-08-30 14:41 | Resolved | 3 | 1 | 3 | 1 | |||||
105602 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 372319 | 3 of 3 | 2022-03-29 19:52 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | 2022-03-29 19:52 | Cleared | 1 | 1 | 3 | 1 | ||||||
105648 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 306179 | 1 of 3 | 2022-02-16 22:39 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-02-16 22:39 | Cleared | 1 | 1 | 3 | 1 | ||||||
105648 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 348903 | 2 of 3 | 2022-03-15 14:43 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. No additional valuation product is in file to support the original valuation within a 10% variance. | CDA obtained which supported value. | 2022-08-30 14:43 | Resolved | 3 | 1 | 3 | 1 | |||||
105648 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 372330 | 3 of 3 | 2022-03-29 19:54 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | 2022-03-29 19:54 | Cleared | 1 | 1 | 3 | 1 | ||||||
105689 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 282375 | 1 of 5 | 2022-02-02 15:37 | Credit | Flood Certificate Missing | Missing flood certificate. | Flood Cert uploaded. | Documentation provided was sufficient. | 2022-05-17 19:56 | Resolved | 4 | 1 | 4 | 2 | ||||
105689 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 306265 | 2 of 5 | 2022-02-16 23:29 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-02-16 23:29 | Cleared | 1 | 1 | 4 | 2 | ||||||
105689 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 308090 | 3 of 5 | 2022-02-17 19:03 | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Cashout for subject loan of $XXXX, program max allowed up to $XXXX. | Formal Exception uploaded. | Formal Exception with compensating factors reviewed. | LTV of 68.84% which is less than maximum of 80%, borrower's FICO is 86 points higher than the minimum, borrower has good experience of 3 projects within 24 months and verified assets of $XXXX which exceeds $XXXX required. | 2022-05-18 19:04 | Waived | 3 | 2 | 4 | 2 | |||
105689 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 348948 | 4 of 5 | 2022-03-15 14:55 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. No additional valuation product is in file to support the original valuation within a 10% variance. | CDA obtained which supported value. | 2022-08-30 14:43 | Resolved | 3 | 1 | 4 | 2 | |||||
105689 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 348960 | 5 of 5 | 2022-03-15 14:59 | Credit | Cash Out Does Not Meet Guideline Requirements | The subject loan does not conform to program guidelines. Cash out for subject loan per final settlement statement is $XXXX and the program max allowed is 2% of the loan amount, or $XXXX. | Formal Exception uploaded. | Formal Exception with compensating factors reviewed. | LTV of 68.84% which is less than maximum of 80%, borrower's FICO is 86 points higher than the minimum, borrower has good experience of 3 projects within 24 months and verified assets of $XXXX which exceeds $XXXX required. | 2022-05-18 19:56 | Waived | 3 | 2 | 4 | 2 | |||
105769 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 286755 | 1 of 3 | 2022-03-15 16:01 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. No additional valuation product is in file to support the original valuation within a 10% variance. | CDA obtained which supported value. | 2022-08-30 16:01 | Resolved | 3 | 1 | 3 | 1 | |||||
105769 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 323177 | 2 of 3 | 2022-03-01 13:59 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-03-01 13:59 | Cleared | 1 | 1 | 3 | 1 | ||||||
105769 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 376120 | 3 of 3 | 2022-03-31 16:02 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | 2022-03-31 16:02 | Cleared | 1 | 1 | 3 | 1 | ||||||
106517 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 285355 | 1 of 4 | 2022-03-15 16:16 | Credit | Flood Certificate Missing | Missing flood certificate. | Flood Cert uploaded. | Documentation provided was sufficient. | 2022-05-17 16:16 | Resolved | 4 | 1 | 4 | 1 | ||||
106517 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 285415 | 2 of 4 | 2022-02-03 21:58 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-02-03 21:58 | Cleared | 1 | 1 | 4 | 1 | ||||||
106517 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 285422 | 3 of 4 | 2022-03-15 16:10 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. No additional valuation product is in file to support the original valuation within a 10% variance. | CDA obtained which supported value. | 2022-08-30 16:10 | Resolved | 3 | 1 | 4 | 1 | |||||
106517 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 349201 | 4 of 4 | 2022-03-15 16:14 | Credit | Asset 1 Less Than 2 Months Verified | Asset 1 Less Than 2 Months Verified Lender guidelines require assets to be verified/seasoned for 60 days. Only 1 month bank statements (XXXX dated 9/30/2021) are in file. | Bank Statements uploaded. | Documentation provided was sufficient. | 2022-05-17 16:14 | Resolved | 3 | 1 | 4 | 1 | ||||
106559 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 285488 | 1 of 5 | 2022-03-15 16:43 | Credit | Flood Certificate Missing | Missing flood certificate. | Flood Cert uploaded. | Documentation provided was sufficient. | 2022-05-17 16:43 | Resolved | 4 | 1 | 4 | 2 | ||||
106559 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 308512 | 2 of 5 | 2022-02-17 21:20 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. No additional valuation product is in file to support the original valuation within a 10% variance. | CDA obtained which supported value. | 2022-09-07 19:03 | Resolved | 3 | 1 | 4 | 2 | |||||
106559 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 318317 | 3 of 5 | 2022-02-24 21:06 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-02-24 21:06 | Cleared | 1 | 1 | 4 | 2 | ||||||
106559 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 349306 | 4 of 5 | 2022-03-15 16:51 | Credit | Asset 1 Less Than 2 Months Verified | Asset 1 Less Than 2 Months Verified Lender guidelines require assets to be verified/seasoned for 60 days. Only 1 month bank statements are in file, which is XXXX Checking #XXXX dated 10/29/2021. | Bank Statements uploaded. | Documentation provided was sufficient. | 2022-05-18 16:51 | Resolved | 3 | 1 | 4 | 2 | ||||
106559 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 349312 | 5 of 5 | 2022-03-15 16:53 | Credit | Assets - Insufficient Cash to Close | The loan file does not contain all required asset documentation. Total verified assets are not sufficient to cover total required assets. Verified assets of $XXXX do not meet the required cash to close of$XXXX + 6 months reserves of$XXXX (total of $XXXX), leaving a shortage of $XXXX. | Formal Exception uploaded. | Formal Exception with compensating factors reviewed. | Qualifying FICO of 718 and experienced investor with 3 properties within last 24 months. | 2022-05-18 16:53 | Waived | 3 | 2 | 4 | 2 | |||
106590 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 318361 | 1 of 3 | 2022-02-24 21:22 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-02-24 21:22 | Cleared | 1 | 1 | 3 | 1 | ||||||
106590 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 349436 | 2 of 3 | 2022-03-15 17:45 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. No additional valuation product is in file to support the original valuation within a 10% variance. | BPO obtained which supported value. | 2022-03-15 17:45 | Resolved | 3 | 1 | 3 | 1 | |||||
106590 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 376245 | 3 of 3 | 2022-03-31 16:28 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | 2022-03-31 16:28 | Cleared | 1 | 1 | 3 | 1 | ||||||
106621 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 282841 | 1 of 4 | 2022-03-15 17:56 | Credit | Flood Certificate Missing | Missing flood certificate. | Flood Cert uploaded. | Documentation provided was sufficient. | 2022-05-17 17:56 | Resolved | 4 | 1 | 4 | 2 | ||||
106621 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 282894 | 2 of 4 | 2022-03-16 19:13 | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Lender guidelines require DSCR of 1.00 or greater. PITIA payment Is $XXXX/mo, executed lease is $XXXX/mo. Ratio does not meet 1.00 guideline. | Formal Exception uploaded. | Formal Exception with compensating factors reviewed. | Loan has interest only payment for first 5 years and qualifies with DSCR of 1.18 with IO payment, LTV of 70% which is below max of 75%, Qualifying FICO of 694 and verified assets over $XXXX which exceeds required of $XXXX. | 2022-05-18 19:13 | Waived | 3 | 2 | 4 | 2 | |||
106621 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 349518 | 3 of 4 | 2022-03-15 18:01 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. No additional valuation product is in file to support the original valuation within a 10% variance. | CDA obtained which supported value. | 2022-08-30 14:43 | Resolved | 3 | 1 | 4 | 2 | |||||
106621 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 369829 | 4 of 4 | 2022-03-28 18:32 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-03-28 18:32 | Cleared | 1 | 1 | 4 | 2 | ||||||
106641 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 281143 | 1 of 3 | 2022-03-15 18:09 | Compliance | Missing Deed of Trust Riders | Entity Borrower Rider is checked on the Mortgage; however, this rider is not evidenced in the loan file. | Riders uploaded. | Documentation provided was sufficient. | 2022-05-17 18:09 | Resolved | 3 | 1 | 3 | 1 | ||||
106641 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 349555 | 2 of 3 | 2022-03-15 18:09 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. No additional valuation product is in file to support the original valuation within a 10% variance. | CDA obtained which supported value. | 2022-08-30 14:43 | Resolved | 3 | 1 | 3 | 1 | |||||
106641 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 372335 | 3 of 3 | 2022-03-29 19:55 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | 2022-03-29 19:55 | Cleared | 1 | 1 | 3 | 1 | ||||||
106646 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 284968 | 1 of 3 | 2022-02-03 19:39 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. No additional valuation product is in file to support the original valuation within a 10% variance. | CDA obtained which supported value. | 2022-11-04 19:39 | Resolved | 3 | 1 | 3 | 2 | |||||
106646 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 308367 | 2 of 3 | 2022-03-15 18:26 | Credit | Audited FICO is less than Guideline FICO | Audited FICO of 613 is less than Guideline FICO of 620. Guidelines indicate the lowest qualifying score of all applicants is used to qualify. Lender used score of 715 to qualify; however, lowest middle score between both borrowers is 613, which does not meet program minimum FICO score of 620. | Formal Exception uploaded. | Formal Exception with compensating factors reviewed. | DSCR of 1.78 which is above minimum of 1, leverage ratios are 62.80%, verified assets of $XXXX which exceeds required of $XXXX, business ownership is 51%/49% per borrowers and FICOs are 715 and 613 respectively. | 2022-05-18 18:28 | Waived | 3 | 2 | 3 | 2 | |||
106646 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 318441 | 3 of 3 | 2022-02-24 21:55 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-02-24 21:55 | Cleared | 1 | 1 | 3 | 2 | ||||||
106678 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 286339 | 1 of 3 | 2022-03-15 18:39 | Credit | Flood Certificate Missing | Missing flood certificate. | Flood Cert uploaded. | Documentation provided was sufficient. | 2022-05-17 18:39 | Resolved | 4 | 1 | 4 | 1 | ||||
106678 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 307690 | 2 of 3 | 2022-03-15 18:39 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. No additional valuation product is in file to support the original valuation within a 10% variance. | CDA obtained which supported value. | 2022-08-30 14:43 | Resolved | 3 | 1 | 4 | 1 | |||||
106678 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 318814 | 3 of 3 | 2022-02-25 13:28 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-02-25 13:28 | Cleared | 1 | 1 | 4 | 1 | ||||||
106680 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 286418 | 1 of 3 | 2022-02-04 16:56 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | 2022-02-18 20:07 | Cleared | 1 | 1 | 3 | 1 | ||||||
106680 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 305891 | 2 of 3 | 2022-02-16 20:55 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-02-16 20:55 | Cleared | 1 | 1 | 3 | 1 | ||||||
106680 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 372461 | 3 of 3 | 2022-03-29 20:28 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. No additional valuation product is in file to support the original valuation within a 10% variance. | CDA obtained which supported value. | 2022-08-30 14:43 | Resolved | 3 | 1 | 3 | 1 | |||||
106698 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 305959 | 1 of 3 | 2022-02-16 21:15 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-02-16 21:15 | Cleared | 1 | 1 | 3 | 1 | ||||||
106698 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 349614 | 2 of 3 | 2022-03-15 18:46 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. No additional valuation product is in file to support the original valuation within a 10% variance. | CDA obtained which supported value. | 2022-08-30 14:43 | Resolved | 3 | 1 | 3 | 1 | |||||
106698 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 376253 | 3 of 3 | 2022-03-31 16:30 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | 2022-03-31 16:30 | Cleared | 1 | 1 | 3 | 1 | ||||||
106735 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 287716 | 1 of 3 | 2022-02-05 02:05 | Valuation | Value - Value is supported within 10% of original appraisal amount | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. | 2022-02-05 02:05 | Cleared | 1 | 1 | 1 | 1 | ||||||
106735 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 305989 | 2 of 3 | 2022-02-16 21:25 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-02-16 21:25 | Cleared | 1 | 1 | 1 | 1 | ||||||
106735 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 376257 | 3 of 3 | 2022-03-31 16:30 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | 2022-03-31 16:30 | Cleared | 1 | 1 | 1 | 1 | ||||||
106846 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 309349 | 1 of 3 | 2022-03-16 11:26 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. No additional valuation product is in file to support the original valuation within a 10% variance. | BPO obtained which supported value. | 2022-03-16 11:26 | Resolved | 3 | 1 | 3 | 1 | |||||
106846 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 369859 | 2 of 3 | 2022-03-28 18:41 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-03-28 18:41 | Cleared | 1 | 1 | 3 | 1 | ||||||
106846 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 376270 | 3 of 3 | 2022-03-31 16:31 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | 2022-03-31 16:31 | Cleared | 1 | 1 | 3 | 1 | ||||||
106927 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 282632 | 1 of 3 | 2022-03-16 11:32 | Compliance | Missing Deed of Trust Riders | Entity Borrower Rider and Vacant Property Rider are both missing from the loan file. . | Riders uploaded. | Documentation provided was sufficient. | 2022-05-17 18:47 | Resolved | 3 | 1 | 4 | 1 | ||||
106927 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 284487 | 2 of 3 | 2022-03-16 11:33 | Credit | Flood Certificate Missing | Missing flood certificate. | Flood Cert uploaded. | Documentation provided was sufficient. | 2022-05-17 11:33 | Resolved | 4 | 1 | 4 | 1 | ||||
106927 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 284578 | 3 of 3 | 2022-03-16 11:33 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. No additional valuation product is in file to support the original valuation within a 10% variance. | CDA obtained which supported value. | 2022-08-30 14:43 | Resolved | 3 | 1 | 4 | 1 | |||||
106928 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 286219 | 1 of 3 | 2022-03-16 12:02 | Credit | Flood Certificate Missing | Missing flood certificate. | Flood Certs uploaded. | Documentation provided was sufficient. | 2022-05-17 12:10 | Resolved | 4 | 1 | 4 | 1 | ||||
106928 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 350502 | 2 of 3 | 2022-03-16 12:10 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. No additional valuation product is in file to support the original valuation within a 10% variance. | CDA obtained which supported value. | 2022-08-30 12:10 | Resolved | 3 | 1 | 4 | 1 | |||||
106928 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 369861 | 3 of 3 | 2022-03-28 18:43 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-03-28 18:43 | Cleared | 1 | 1 | 4 | 1 | ||||||
106968 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 278833 | 1 of 4 | 2022-01-31 19:46 | Compliance | The Note is Missing | The Note is missing. | Note uploaded. | Documentation provided was sufficient. | 2022-05-16 18:53 | Resolved | 4 | 1 | 4 | 3 | ||||
106968 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 284663 | 2 of 4 | 2022-03-16 12:34 | Credit | Flood Certificate Missing | Missing flood certificate. | Flood Cert uploaded. | Documentation provided was sufficient. | 2022-05-17 12:42 | Resolved | 4 | 1 | 4 | 3 | ||||
106968 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 284666 | 3 of 4 | 2022-03-16 12:38 | Credit | Flood Insurance Policy Missing | Missing Flood Insurance Policy Flood Zone as determined by Appraisal report is AE, which requires Flood Insurance. No evidence of a flood insurance policy is in file. | Appraisal uploaded. | Documentation provided was sufficient. | 2022-05-10 12:42 | Resolved | 3 | 1 | 4 | 3 | ||||
106968 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 376274 | 4 of 4 | 2022-03-31 16:34 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. No additional valuation product is in file to support the original valuation within a 10% variance. | BPO obtained which did not support value | 2022-11-07 16:34 | Upheld | 3 | 3 | 4 | 3 | |||||
106975 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 318881 | 1 of 3 | 2022-02-25 14:05 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-02-25 14:05 | Cleared | 1 | 1 | 3 | 1 | ||||||
106975 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 350583 | 2 of 3 | 2022-03-16 12:45 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. No additional valuation product is in file to support the original valuation within a 10% variance. | BPO obtained which supported value. | 2022-03-16 12:45 | Resolved | 3 | 1 | 3 | 1 | |||||
106975 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 376281 | 3 of 3 | 2022-03-31 16:35 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | 2022-03-31 16:35 | Cleared | 1 | 1 | 3 | 1 | ||||||
106977 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 283863 | 1 of 3 | 2022-02-03 13:59 | Compliance | Missing Deed of Trust Riders | Vacant Property Rider and Entity Borrower Rider are missing. | Vacant Property Rider uploaded. | Documentation provided was sufficient. | 2022-05-17 18:55 | Resolved | 3 | 1 | 3 | 1 | ||||
106977 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 372353 | 2 of 3 | 2022-03-29 19:59 | Valuation | Value - Value is supported within 10% of original appraisal amount | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. | 2022-03-29 19:59 | Cleared | 1 | 1 | 3 | 1 | ||||||
106977 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 376346 | 3 of 3 | 2022-03-31 16:49 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | 2022-03-31 16:49 | Cleared | 1 | 1 | 3 | 1 | ||||||
106983 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 283979 | 1 of 3 | 2022-02-03 14:42 | Compliance | Missing Deed of Trust Riders | Entity Borrower Rider and Vacant Property Rider are missing. | Entity Borrower Rider and Vacant Property Rider uploaded. | Documentation provided was sufficient. | 2022-05-17 14:30 | Resolved | 3 | 1 | 4 | 1 | ||||
106983 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 287362 | 2 of 3 | 2022-03-16 13:03 | Credit | Flood Certificate Missing | Missing flood certificate. | Flood Cert uploaded. | Documentation provided was sufficient. | 2022-05-17 13:03 | Resolved | 4 | 1 | 4 | 1 | ||||
106983 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 350640 | 3 of 3 | 2022-03-16 13:03 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. No additional valuation product is in file to support the original valuation within a 10% variance. | BPO obtained which supported value. | 2022-03-16 13:03 | Resolved | 3 | 1 | 4 | 1 | |||||
106986 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 283401 | 1 of 3 | 2022-02-02 22:35 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. No additional valuation product is in file to support the original valuation within a 10% variance. | BPO obtained which supported value. | 2022-03-16 13:06 | Resolved | 3 | 1 | 3 | 1 | |||||
106986 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 316278 | 2 of 3 | 2022-02-24 01:36 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-02-24 01:36 | Cleared | 1 | 1 | 3 | 1 | ||||||
106986 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 376347 | 3 of 3 | 2022-03-31 16:50 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | 2022-03-31 16:50 | Cleared | 1 | 1 | 3 | 1 | ||||||
106991 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 289016 | 1 of 4 | 2022-03-16 13:34 | Credit | Flood Certificate Missing | Missing flood certificate. | Flood Certs uploaded. | Documentation provided was sufficient. | 2022-05-17 13:34 | Resolved | 4 | 1 | 4 | 1 | ||||
106991 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 350778 | 2 of 4 | 2022-03-16 13:33 | Credit | Title Coverage is Less than Subject Lien(s) Total | The amount of title insurance verified in the loan file is not sufficient to cover the loan amount of $XXXX. The amount covered is missing from the Title Commitment. | Title Policy uploaded. | Documentation provided was sufficient. | 2022-05-17 13:33 | Resolved | 3 | 1 | 4 | 1 | ||||
106991 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 369928 | 3 of 4 | 2022-03-28 19:02 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-03-28 19:02 | Cleared | 1 | 1 | 4 | 1 | ||||||
106991 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 372355 | 4 of 4 | 2022-03-29 20:00 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. No additional valuation product is in file to support the original valuation within a 10% variance. | CDAs obtained which supported value. | 2022-11-04 20:00 | Resolved | 3 | 1 | 4 | 1 | |||||
106992 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 287390 | 1 of 4 | 2022-03-16 13:43 | Credit | Flood Certificate Missing | Missing flood certificate. | Flood insurance uploaded. | Documentation provided was sufficient. | 2022-05-10 13:43 | Resolved | 4 | 1 | 4 | 1 | ||||
106992 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 319020 | 2 of 4 | 2022-02-25 15:10 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-02-25 15:10 | Cleared | 1 | 1 | 4 | 1 | ||||||
106992 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 350872 | 3 of 4 | 2022-03-16 13:50 | Credit | Assets - Insufficient Cash to Close | The loan file does not contain all required asset documentation. Total verified assets are not sufficient to cover total required assets. Verified assets of $XXXX are insufficient to cover required cash to close of $XXXX + reserves of $XXXX | Documentation uploaded for porfolio transactions. | Documentation provided was sufficient. | 2022-05-18 13:50 | Resolved | 3 | 1 | 4 | 1 | ||||
106992 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 350873 | 4 of 4 | 2022-03-16 13:50 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. No additional valuation product is in file to support the original valuation within a 10% variance. | CDA obtained which supported value. | 2022-08-30 13:50 | Resolved | 3 | 1 | 4 | 1 | |||||
106993 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 287711 | 1 of 5 | 2022-03-16 14:17 | Credit | Flood Certificate Missing | Missing flood certificate. | Flood Certs uploaded. | Documentation provided was sufficient. | 2022-05-17 14:18 | Resolved | 4 | 1 | 4 | 1 | ||||
106993 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 314208 | 2 of 5 | 2022-02-22 23:54 | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of 0 month(s) are less than Guideline Required Reserves of 6 month(s). | Documentation uploaded for porfolio transactions. | Documentation provided was sufficient. | 2022-05-18 23:54 | Resolved | 3 | 1 | 4 | 1 | ||||
106993 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 319035 | 3 of 5 | 2022-02-25 15:17 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-02-25 15:17 | Cleared | 1 | 1 | 4 | 1 | ||||||
106993 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 351018 | 4 of 5 | 2022-03-16 14:20 | Credit | Asset 1 Less Than 2 Months Verified | Asset 1 Less Than 2 Months Verified XXXX Account #XXXX has 1 statement dated 12/23/2021. Lender guidelines require assets to be verified/seasoned for 60 days. | Bank Statements uploaded. | Documentation provided was sufficient. | 2022-05-18 14:27 | Resolved | 3 | 1 | 4 | 1 | ||||
106993 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 372363 | 5 of 5 | 2022-03-29 20:02 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. No additional valuation product is in file to support the original valuation within a 10% variance. | CDAs obtained which supported value. | 2022-11-04 20:02 | Resolved | 3 | 1 | 4 | 1 | |||||
107027 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 284348 | 1 of 3 | 2022-03-16 14:38 | Credit | Flood Certificate Missing | Missing flood certificate. | Flood Cert uploaded. | Documentation provided was sufficient. | 2022-05-17 14:38 | Resolved | 4 | 1 | 4 | 1 | ||||
107027 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 312331 | 2 of 3 | 2022-02-22 15:05 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. No additional valuation product is in file to support the original valuation within a 10% variance. | CDA obtained which supported value. | 2022-08-30 15:05 | Resolved | 3 | 1 | 4 | 1 | |||||
107027 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 369951 | 3 of 3 | 2022-03-28 19:13 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-03-28 19:13 | Cleared | 1 | 1 | 4 | 1 | ||||||
107045 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 336113 | 1 of 4 | 2022-03-08 15:32 | Credit | Program Parameters - LTV | The subject loan does not meet program parameters for LTV. The subject LTV does not meet guidelines. Max LTV for FICO score 661 is 75%. Loan is at 79.95% LTV. | Formal Exception uploaded. | Formal Exception with compensating factors reviewed. | Loan has interest only payment for first 5 years and qualifies with DSCR of 1.15 with IO payment, borrower's FICO is 677 however the other borrowers that comprise the remaining 50% ownership are 778 and 661 and verified assets of $XXXX which exceeds required $XXXX. | 2022-05-18 15:32 | Waived | 3 | 2 | 3 | 2 | |||
107045 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 351247 | 2 of 4 | 2022-03-16 14:50 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. No additional valuation product is in file to support the original valuation within a 10% variance. | CDA obtained which supported value. | 2022-08-30 14:50 | Resolved | 3 | 1 | 3 | 2 | |||||
107045 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 353404 | 3 of 4 | 2022-03-17 12:04 | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Lender guidelines allow for the use of either the Third Party Rent Estimate ($XXXX) or the current lease agreement(s) ($XXXX). Audited PITIA is $XXXX, divided by current lease income of $XXXX = ratio of 0.90. Guideline minimum is 1.0. | Formal Exception uploaded. | Formal Exception with compensating factors reviewed. | Loan has interest only payment for first 5 years and qualifies with DSCR of 1.15 with IO payment, borrower's FICO is 677 however the other borrowers that comprise the remaining 50% ownership are 778 and 661 and verified assets of $XXXX which exceeds required $XXXX. | 2022-05-18 12:04 | Waived | 3 | 2 | 3 | 2 | |||
107045 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 369961 | 4 of 4 | 2022-03-28 19:17 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-03-28 19:17 | Cleared | 1 | 1 | 3 | 2 | ||||||
107046 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 322290 | 1 of 3 | 2022-02-28 20:15 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-02-28 20:15 | Cleared | 1 | 1 | 3 | 1 | ||||||
107046 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 372369 | 2 of 3 | 2022-03-29 20:03 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. No additional valuation product is in file to support the original valuation within a 10% variance. | CDA obtained which supported value. | 2022-11-04 20:03 | Resolved | 3 | 1 | 3 | 1 | |||||
107046 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 374706 | 3 of 3 | 2022-03-30 19:59 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | 2022-03-30 19:59 | Cleared | 1 | 1 | 3 | 1 | ||||||
107097 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 278679 | 1 of 5 | 2022-01-31 18:52 | Compliance | The Note is Missing | The Note is Missing -- XXXX as Borrower and XXXX as Lender. | Note uploaded. | Documentation provided was sufficient. | 2022-05-20 16:14 | Resolved | 4 | 1 | 4 | 1 | ||||
107097 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 278680 | 2 of 5 | 2022-01-31 18:53 | Compliance | The Deed of Trust is Missing | The Deed of Trust is missing -- XXXX as Borrower and XXXX as Lender. | Deed of Trust uploaded. | Documentation provided was sufficient. | 2022-05-20 16:14 | Resolved | 4 | 1 | 4 | 1 | ||||
107097 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 285682 | 3 of 5 | 2022-03-16 15:01 | Credit | Flood Certificate Missing | Missing flood certificate. | Flood Cert uploaded. | Documentation provided was sufficient. | 2022-05-17 15:01 | Resolved | 4 | 1 | 4 | 1 | ||||
107097 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 285685 | 4 of 5 | 2022-03-16 15:01 | Credit | Title Document Missing | Title document is missing. No evidence of preliminary title or a title commitment in file. | Title Commitment uploaded. | Documentation provided was sufficient. | 2022-05-16 15:01 | Resolved | 3 | 1 | 4 | 1 | ||||
107097 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 372374 | 5 of 5 | 2022-03-29 20:05 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. No additional valuation product is in file to support the original valuation within a 10% variance. | CDA obtained which supported value. | 2022-08-30 20:05 | Resolved | 3 | 1 | 4 | 1 | |||||
107298 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 278376 | 1 of 4 | 2022-01-31 17:24 | Compliance | Missing Deed of Trust Riders | Entity Borrower Rider and Vacant Property Rider are missing. | Entity Borrower Rider and Vacant Property Rider uploaded. | Documentation provided was sufficient. | 2022-05-17 16:17 | Resolved | 3 | 1 | 4 | 1 | ||||
107298 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 285680 | 2 of 4 | 2022-02-04 03:12 | Credit | Flood Certificate Missing | Missing flood certificate. | FEMA map uploaded. | Documentation provided was sufficient. | 2022-05-10 03:12 | Resolved | 4 | 1 | 4 | 1 | ||||
107298 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 364104 | 3 of 4 | 2022-03-23 17:53 | Credit | Missing credit report | Missing credit report for co borrower, XXXX. | Credit Report uploaded. | Documentation provided was sufficient. | 2022-05-17 17:53 | Resolved | 4 | 1 | 4 | 1 | ||||
107298 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 372379 | 4 of 4 | 2022-03-29 20:08 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. No additional valuation product is in file to support the original valuation within a 10% variance. | BPO obtained which supported value. | 2022-03-29 20:08 | Resolved | 3 | 1 | 4 | 1 | |||||
107392 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 276904 | 1 of 5 | 2022-01-28 21:48 | Compliance | The Note is Missing | The Note is missing. | Note uploaded. | Documentation provided was sufficient. | 2022-05-16 19:30 | Resolved | 4 | 1 | 4 | 1 | ||||
107392 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 276924 | 2 of 5 | 2022-01-28 21:51 | Compliance | The Deed of Trust is Missing | The Deed of Trust is missing. | Deed of Trust uploaded. | Documentation provided was sufficient. | 2022-05-16 19:31 | Resolved | 4 | 1 | 4 | 1 | ||||
107392 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 283422 | 3 of 5 | 2022-02-02 22:58 | Credit | Flood Certificate Missing | Missing flood certificate. | Flood Certs uploaded. | Documentation provided was sufficient. | 2022-05-17 15:15 | Resolved | 4 | 1 | 4 | 1 | ||||
107392 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 283433 | 4 of 5 | 2022-02-02 22:59 | Credit | Title Document Missing | Title document is missing. No evidence of preliminary title or a title commitment in file. | Title Commitment uploaded. | Documentation provided was sufficient. | 2022-05-16 15:14 | Resolved | 3 | 1 | 4 | 1 | ||||
107392 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 372405 | 5 of 5 | 2022-03-29 20:16 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. No additional valuation product is in file to support the original valuation within a 10% variance. | CDA obtained which supported value. | 2022-08-30 20:16 | Resolved | 3 | 1 | 4 | 1 | |||||
107395 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 285417 | 1 of 4 | 2022-03-16 11:42 | Credit | Flood Certificate Missing | Missing flood certificate. | Flood Certs uploaded. | Documentation provided was sufficient. | 2022-05-17 11:42 | Resolved | 4 | 1 | 4 | 1 | ||||
107395 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 285439 | 2 of 4 | 2022-03-16 11:41 | Credit | Title Document Missing | Title document is missing. No evidence of preliminary title or a title commitment in file. | Title Commitment uploaded. | Documentation provided was sufficient. | 2022-05-16 11:41 | Resolved | 3 | 1 | 4 | 1 | ||||
107395 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 319313 | 3 of 4 | 2022-02-25 16:49 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-02-25 16:49 | Cleared | 1 | 1 | 4 | 1 | ||||||
107395 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 350467 | 4 of 4 | 2022-03-16 11:43 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. No additional valuation product is in file to support the original valuation within a 10% variance. | CDA obtained which supported value. | 2022-09-07 19:03 | Resolved | 3 | 1 | 4 | 1 | |||||
1.09163E+11 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 284599 | 1 of 4 | 2022-02-03 17:38 | Credit | Asset 1 Less Than 2 Months Verified | Asset 1 Less Than 2 Months Verified Per guidelines, 2 months most recent bank statements are required. Cash out does not meet reserve requirement as only 10% of cash out proceeds may be used for reserves. Additional bank statement is needed, only 1.5 months are in file. | Bank Statements uploaded. Formal Exception uploaded. | XXXX statement print out is from 11/3/2021 through 12/13/2021 which is not sufficient for 2 full months. Formal exception with compensating factors uploaded. | Subject LTV of 75%, Qualifying FICO of 727, borrower has 3 properties to illustract experience and verified assets of $XXXX which exceeds requires reserves of $XXXX. | 2022-05-17 17:38 | Waived | 3 | 2 | 4 | 2 | |||
1.09163E+11 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 284617 | 2 of 4 | 2022-02-03 17:43 | Credit | Flood Certificate Missing | Missing flood certificate. | Flood Cert uploaded. | Documentation provided was sufficient. | 2022-05-17 17:43 | Resolved | 4 | 1 | 4 | 2 | ||||
1.09163E+11 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 310420 | 3 of 4 | 2022-02-18 20:40 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. No additional valuation product is in file to support the original valuation within a 10% variance. | CDA obtained which supported value. | 2022-08-30 20:40 | Resolved | 3 | 1 | 4 | 2 | |||||
1.09163E+11 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 370082 | 4 of 4 | 2022-03-28 19:58 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-03-28 19:58 | Cleared | 1 | 1 | 4 | 2 | ||||||
2111001 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 275273 | 1 of 5 | 2022-01-28 15:47 | Credit | Missing credit report | Credit Report is missing. | Credit Report uploaded. | Documentation provided was sufficient. | 2022-05-16 14:18 | Resolved | 4 | 1 | 4 | 1 | ||||
2111001 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 284891 | 2 of 5 | 2022-03-16 12:13 | Credit | Flood Certificate Missing | Missing flood certificate. | Flood Cert uploaded. | Documentation provided was sufficient. | 2022-05-10 12:13 | Resolved | 4 | 1 | 4 | 1 | ||||
2111001 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 284893 | 3 of 5 | 2022-02-03 19:23 | Credit | Hazard Insurance Policy is Missing | Missing Hazard Insurance Policy. | Hazard Policy uploaded. | Documentation provided was sufficient. | 2022-05-16 22:52 | Resolved | 3 | 1 | 4 | 1 | ||||
2111001 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 370245 | 4 of 5 | 2022-03-28 20:51 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-03-28 20:51 | Cleared | 1 | 1 | 4 | 1 | ||||||
2111001 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 372393 | 5 of 5 | 2022-03-29 20:13 | Valuation | Value - Value is supported within 10% of original appraisal amount | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. | 2022-03-29 20:13 | Cleared | 1 | 1 | 4 | 1 | ||||||
PP102778 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 289108 | 1 of 5 | 2022-02-07 20:54 | Credit | Flood Certificate Missing | Missing flood certificate. | Flood Certs uploaded. | Documentation provided was sufficient. | 2022-05-17 16:34 | Resolved | 4 | 1 | 4 | 1 | ||||
PP102778 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 289109 | 2 of 5 | 2022-02-07 20:54 | Credit | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Hazard Insurance of $XXXX is less than Required Coverage Amount of $XXXX coverage on the insurance doc does not cover the amount | Hazard Insurance Policies uploaded. | Documentation provided was sufficient. | 2022-05-17 16:34 | Resolved | 3 | 1 | 4 | 1 | ||||
PP102778 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 312031 | 3 of 5 | 2022-02-22 13:42 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-02-22 13:42 | Cleared | 1 | 1 | 4 | 1 | ||||||
PP102778 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 351785 | 4 of 5 | 2022-03-16 16:34 | Credit | Flood Insurance Policy Missing | Missing Flood Insurance Policy. Property located at XXXX is in Flood Zone XX. Valid flood insurance is required to be documented in file. | Flood Cert uploaded. | Documentation provided was sufficient. Not in flood zone. | 2022-03-16 16:34 | Resolved | 3 | 1 | 4 | 1 | ||||
PP102778 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 351793 | 5 of 5 | 2022-03-16 16:34 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. No additional valuation product is in file to support the original valuation within a 10% variance. | CDA obtained which supported value. | 2022-09-07 19:03 | Resolved | 3 | 1 | 4 | 1 | |||||
PP103017 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 286439 | 1 of 3 | 2022-03-16 16:38 | Credit | Flood Certificate Missing | Missing flood certificate. | Flood Cert uploaded. | Documentation provided was sufficient. | 2022-05-17 16:38 | Resolved | 4 | 1 | 4 | 1 | ||||
PP103017 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 319365 | 2 of 3 | 2022-02-25 17:03 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-02-25 17:03 | Cleared | 1 | 1 | 4 | 1 | ||||||
PP103017 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 351795 | 3 of 3 | 2022-03-16 16:36 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. No additional valuation product is in file to support the original valuation within a 10% variance. | CDA obtained which supported value. | 2022-08-30 20:40 | Resolved | 3 | 1 | 4 | 1 | |||||
PP103057 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 269698 | 1 of 4 | 2022-01-25 20:52 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-01-25 20:52 | Cleared | 1 | 1 | 4 | 2 | ||||||
PP103057 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 287192 | 2 of 4 | 2022-03-16 16:45 | Credit | Flood Certificate Missing | Missing flood certificate. | Flood Cert uploaded. | Documentation provided was sufficient. | 2022-05-17 16:45 | Resolved | 4 | 1 | 4 | 2 | ||||
PP103057 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 307781 | 3 of 4 | 2022-02-17 17:36 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of 80% exceeds Guideline LTV of 75%. Lender guidelines allow LTV up to 75% on a Rate/Term Refinance with a minimum credit score of 660. Borrower's score is 668, and does not qualify for the 80% LTV tier as it requires a credit score of 700 of higher. LTV exceeds program guidelines by 5%. | Formal Exception uploaded. | Formal Exception with compensating factors reviewed. | Borrower who owns 81% of company has a qualifying FICO of 730, experience provided reflects 3 projects in last 2 years and verified assets of $XXXX which exceeds required of $XXXX. | 2022-05-18 16:49 | Waived | 3 | 2 | 4 | 2 | |||
PP103057 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 351839 | 4 of 4 | 2022-03-16 16:46 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. No additional valuation product is in file to support the original valuation within a 10% variance. | CDA obtained which supported value. | 2022-08-31 16:46 | Resolved | 3 | 1 | 4 | 2 | |||||
PP103067 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 286377 | 1 of 3 | 2022-02-04 16:41 | Credit | Flood Certificate Missing | Missing flood certificate. | Flood Certs uploaded. | Documentation provided was sufficient. | 2022-05-17 16:41 | Resolved | 4 | 1 | 4 | 1 | ||||
PP103067 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 351863 | 2 of 3 | 2022-03-16 16:50 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. No additional valuation product is in file to support the original valuation within a 10% variance. | CDA obtained which supported value. | 2022-09-07 19:03 | Resolved | 3 | 1 | 4 | 1 | |||||
PP103067 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 370220 | 3 of 3 | 2022-03-28 20:37 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-03-28 20:37 | Cleared | 1 | 1 | 4 | 1 | ||||||
PP103085 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 284621 | 1 of 4 | 2022-02-03 17:44 | Credit | Flood Certificate Missing | Missing flood certificate. | Flood Cert uploaded. | Documentation provided was sufficient. | 2022-05-17 17:12 | Resolved | 4 | 1 | 4 | 1 | ||||
PP103085 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 284685 | 2 of 4 | 2022-02-03 18:06 | Credit | Program Parameters - LTV | The subject loan does not meet program parameters for LTV. The subject LTV does not meet guidelines. Maximum LTV 75% for loan amount < $XXXX. | Formal Exception uploaded. | Formal Exception with compensating factors reviewed. | Borrower who owns 81% of company has a qualifying FICO of 730, experience provided reflects 3 projects in last 2 years and verified assets of $XXXX which exceeds required of $XXXX. | 2022-02-17 13:20 | Waived | 3 | 2 | 4 | 1 | |||
PP103085 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 284713 | 3 of 4 | 2022-02-03 18:14 | Compliance | Missing Deed of Trust Riders | Missing entity borrower rider. | Entity Borrower Rider uploaded. | Documentation provided was sufficient. | 2022-05-17 20:31 | Resolved | 3 | 1 | 4 | 1 | ||||
PP103085 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 351971 | 4 of 4 | 2022-03-16 17:12 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. No additional valuation product is in file to support the original valuation within a 10% variance. | CDA obtained which supported value. | 2022-08-29 17:12 | Resolved | 3 | 1 | 4 | 1 | |||||
PP103096 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 284985 | 1 of 3 | 2022-03-16 17:21 | Credit | Flood Certificate Missing | Missing flood certificate. | Flood Cert uploaded. | Documentation provided was sufficient. | 2022-05-17 17:21 | Resolved | 4 | 1 | 4 | 1 | ||||
PP103096 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 285021 | 2 of 3 | 2022-02-03 20:03 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. No additional valuation product is in file to support the original valuation within a 10% variance. | CDA obtained which supported value. | 2022-09-07 17:22 | Resolved | 3 | 1 | 4 | 1 | |||||
PP103096 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 370188 | 3 of 3 | 2022-03-28 20:27 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-03-28 20:27 | Cleared | 1 | 1 | 4 | 1 | ||||||
PP103101 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 286116 | 1 of 3 | 2022-03-16 17:22 | Credit | Flood Certificate Missing | Missing flood certificate. | Flood Cert uploaded. | Documentation provided was sufficient. | 2022-05-17 17:22 | Resolved | 4 | 1 | 4 | 1 | ||||
PP103101 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 286173 | 2 of 3 | 2022-03-16 17:23 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. No additional valuation product is in file to support the original valuation within a 10% variance. | CDA obtained which supported value. | 2022-08-30 20:40 | Resolved | 3 | 1 | 4 | 1 | |||||
PP103101 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 370165 | 3 of 3 | 2022-03-28 20:23 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-03-28 20:23 | Cleared | 1 | 1 | 4 | 1 | ||||||
PP103148 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 287306 | 1 of 3 | 2022-03-16 17:40 | Credit | Flood Certificate Missing | Missing flood certificate. | Flood Cert uploaded. | Documentation provided was sufficient. | 2022-05-17 17:40 | Resolved | 4 | 1 | 4 | 1 | ||||
PP103148 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 370159 | 2 of 3 | 2022-03-28 20:18 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-03-28 20:18 | Cleared | 1 | 1 | 4 | 1 | ||||||
PP103148 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 372416 | 3 of 3 | 2022-03-29 20:18 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. No additional valuation product is in file to support the original valuation within a 10% variance. | CDA obtained which supported value. | 2022-08-29 20:18 | Resolved | 3 | 1 | 4 | 1 | |||||
PP103238 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 285315 | 1 of 4 | 2022-03-16 17:44 | Credit | Flood Certificate Missing | Missing flood certificate. | Flood Cert uploaded. | Documentation provided was sufficient. | 2022-05-17 17:44 | Resolved | 4 | 1 | 4 | 1 | ||||
PP103238 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 285357 | 2 of 4 | 2022-03-16 17:46 | Credit | Purchase Contract - Missing | The loan file did not contain the Purchase Contract as required. | Purchase Contract uploaded. | Documentation provided was sufficient. | 2022-05-17 17:46 | Resolved | 3 | 1 | 4 | 1 | ||||
PP103238 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 307058 | 3 of 4 | 2022-02-17 14:28 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. No additional valuation product is in file to support the original valuation within a 10% variance. | CDA obtained which supported value. | 2022-09-07 14:28 | Resolved | 3 | 1 | 4 | 1 | |||||
PP103238 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 370126 | 4 of 4 | 2022-03-28 20:10 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-03-28 20:10 | Cleared | 1 | 1 | 4 | 1 | ||||||
xcnzac3k | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 285400 | 1 of 3 | 2022-03-16 17:57 | Credit | Flood Certificate Missing | Missing flood certificate. | Flood Cert uploaded. | Documentation provided was sufficient. | 2022-05-17 17:57 | Resolved | 4 | 1 | 4 | 1 | ||||
xcnzac3k | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 285433 | 2 of 3 | 2022-02-03 22:02 | Valuation | Value - Value is supported within 10% of original appraisal amount | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. | 2022-02-03 22:02 | Cleared | 1 | 1 | 4 | 1 | ||||||
xcnzac3k | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 370093 | 3 of 3 | 2022-03-28 20:01 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-03-28 20:01 | Cleared | 1 | 1 | 4 | 1 | ||||||
ynewnuzm | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 338038 | 1 of 3 | 2022-03-08 22:13 | Credit | Flood Certificate Missing | The loan file does not contain the Flood Certificate. | Flood Cert uploaded. | Documentation provided was sufficient. | 2022-05-19 19:54 | Resolved | 4 | 1 | 4 | 1 | ||||
ynewnuzm | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 348055 | 2 of 3 | 2022-03-14 20:54 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-04-28 20:41 | Cleared | 1 | 1 | 4 | 1 | ||||||
ynewnuzm | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 395703 | 3 of 3 | 2022-04-12 14:16 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA obtained which supported value. | 2022-08-30 20:40 | Resolved | 3 | 1 | 4 | 1 | |||||
wmpv383g | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 339355 | 1 of 3 | 2022-03-09 16:05 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | 2022-04-28 20:40 | Cleared | 1 | 1 | 3 | 1 | ||||||
wmpv383g | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 363777 | 2 of 3 | 2022-03-23 15:36 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA obtained which supported value. | 2022-08-30 20:40 | Resolved | 3 | 1 | 3 | 1 | |||||
wmpv383g | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 395805 | 3 of 3 | 2022-04-12 14:43 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-04-28 20:41 | Cleared | 1 | 1 | 3 | 1 | ||||||
wqiecxem | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 331816 | 1 of 3 | 2022-03-04 19:19 | Credit | Flood Certificate Missing | The loan file does not contain the Flood Certificate. | Flood Cert uploaded. | Documentation provided was sufficient. | 2022-05-19 19:54 | Resolved | 4 | 1 | 4 | 1 | ||||
wqiecxem | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 349093 | 2 of 3 | 2022-03-15 15:38 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-04-28 20:39 | Cleared | 1 | 1 | 4 | 1 | ||||||
wqiecxem | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 395709 | 3 of 3 | 2022-04-12 14:17 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA obtained which supported value. | 2022-09-07 14:17 | Resolved | 3 | 1 | 4 | 1 | |||||
gxzjyyti | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 339931 | 1 of 4 | 2022-03-09 18:26 | Credit | Flood Certificate Missing | The loan file does not contain the Flood Certificate. | Flood Cert uploaded. | Documentation provided was sufficient. | 2022-05-19 19:54 | Resolved | 4 | 1 | 4 | 1 | ||||
gxzjyyti | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 340297 | 2 of 4 | 2022-03-09 19:56 | Credit | Third Party Fraud Report not Provided | The loan file does not contain the Third Party Fraud Report. | Fraud Report uploaded. | Documentation provided was sufficient. | 2022-05-18 21:36 | Resolved | 3 | 1 | 4 | 1 | ||||
gxzjyyti | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 364046 | 3 of 4 | 2022-03-23 17:28 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA obtained which supported value. | 2022-03-23 17:28 | Resolved | 3 | 1 | 4 | 1 | |||||
gxzjyyti | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 395808 | 4 of 4 | 2022-04-12 14:44 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-04-28 20:39 | Cleared | 1 | 1 | 4 | 1 | ||||||
ycvuaqik | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 340230 | 1 of 4 | 2022-03-09 19:36 | Credit | Flood Certificate Missing | The loan file does not contain the Flood Certificate. | Flood Certs uploaded. | Documentation provided was sufficient. | 2022-05-19 19:54 | Resolved | 4 | 1 | 4 | 1 | ||||
ycvuaqik | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 364503 | 2 of 4 | 2022-03-23 20:47 | Credit | Third Party Fraud Report not Provided | The loan file does not contain the Third Party Fraud Report. | Fraud Reports uploaded. | Documentation provided was sufficient. | 2022-05-18 21:36 | Resolved | 3 | 1 | 4 | 1 | ||||
ycvuaqik | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 378789 | 3 of 4 | 2022-04-01 17:45 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-04-28 20:35 | Cleared | 1 | 1 | 4 | 1 | ||||||
ycvuaqik | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 428499 | 4 of 4 | 2022-04-28 20:33 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA obtained which supported value. | 2022-09-07 19:03 | Resolved | 3 | 1 | 4 | 1 | |||||
ebgmey3e | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 332458 | 1 of 3 | 2022-03-05 00:02 | Credit | Flood Certificate Missing | The loan file does not contain the Flood Certificate. | Flood Cert uploaded. | Documentation provided was sufficient. | 2022-05-19 19:54 | Resolved | 4 | 1 | 4 | 1 | ||||
ebgmey3e | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 332461 | 2 of 3 | 2022-03-05 00:19 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-04-28 20:17 | Cleared | 1 | 1 | 4 | 1 | ||||||
ebgmey3e | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 395716 | 3 of 3 | 2022-04-12 14:18 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA obtained which supported value. | 2022-09-06 14:18 | Resolved | 3 | 1 | 4 | 1 | |||||
xx6jreer | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 339934 | 1 of 3 | 2022-03-09 18:27 | Credit | Flood Certificate Missing | The loan file does not contain the Flood Certificate. | Flood Cert uploaded. | Documentation provided was sufficient. | 2022-05-19 19:54 | Resolved | 4 | 1 | 4 | 1 | ||||
xx6jreer | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 340028 | 2 of 3 | 2022-03-09 18:46 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA obtained which supported value. | 2022-09-07 14:19 | Resolved | 3 | 1 | 4 | 1 | |||||
xx6jreer | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 346894 | 3 of 3 | 2022-03-14 14:49 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-04-28 20:15 | Cleared | 1 | 1 | 4 | 1 | ||||||
bxaqp7g2 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 330609 | 1 of 5 | 2022-03-04 14:00 | Credit | Third Party Fraud Report not Provided | The loan file does not contain the Third Party Fraud Report. | Fraud Report uploaded. | Documentation provided was sufficient. | 2022-05-18 21:36 | Resolved | 3 | 1 | 4 | 1 | ||||
bxaqp7g2 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 340907 | 2 of 5 | 2022-03-09 22:56 | Valuation | Appraisal is Missing | The loan file did not contain the Primary subject Valuation as required by the guidelines. | ClearVal Plus report uploaded. | Documentation provided was sufficient. | 2022-05-18 20:43 | Resolved | 4 | 1 | 4 | 1 | ||||
bxaqp7g2 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 340954 | 3 of 5 | 2022-03-09 23:22 | Credit | Flood Certificate Missing | The loan file does not contain the Flood Certificate. | Flood Cert uploaded. | Documentation provided was sufficient. | 2022-05-19 19:54 | Resolved | 4 | 1 | 4 | 1 | ||||
bxaqp7g2 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 347340 | 4 of 5 | 2022-03-14 17:28 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-04-28 20:14 | Cleared | 1 | 1 | 4 | 1 | ||||||
bxaqp7g2 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 364369 | 5 of 5 | 2022-03-23 19:55 | Credit | Approval/Underwriting Summary Not Provided | The file is missing the Approval. Per guidelines, a written approval is required. | Loan Term Sheet uploaded. | Documentation provided was sufficient. | 2022-05-18 22:30 | Resolved | 2 | 1 | 4 | 1 | ||||
qtxvkngy | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 341263 | 1 of 3 | 2022-03-10 10:57 | Credit | Flood Certificate Missing | The loan file does not contain the Flood Certificate. | Flood Cert uploaded. | Documentation provided was sufficient. | 2022-05-19 19:54 | Resolved | 4 | 1 | 4 | 1 | ||||
qtxvkngy | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 347392 | 2 of 3 | 2022-03-14 17:48 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-04-28 20:00 | Cleared | 1 | 1 | 4 | 1 | ||||||
qtxvkngy | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 395740 | 3 of 3 | 2022-04-12 14:21 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA obtained which supported value. | 2022-09-07 14:21 | Resolved | 3 | 1 | 4 | 1 | |||||
7x4wcwa2 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 346390 | 1 of 4 | 2022-03-14 08:29 | Credit | Flood Certificate Missing | The loan file does not contain the Flood Certificate. | Flood Cert uploaded. | Documentation provided was sufficient. | 2022-05-19 19:54 | Resolved | 4 | 1 | 4 | 1 | ||||
7x4wcwa2 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 346398 | 2 of 4 | 2022-03-14 08:51 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA obtained which supported value. | 2022-09-07 14:21 | Resolved | 3 | 1 | 4 | 1 | |||||
7x4wcwa2 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 347373 | 3 of 4 | 2022-03-14 17:39 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-04-28 19:53 | Cleared | 1 | 1 | 4 | 1 | ||||||
7x4wcwa2 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 364073 | 4 of 4 | 2022-03-23 17:45 | Credit | Approval/Underwriting Summary Not Provided | The file is missing the Approval. Per guidelines, a written approval is required. | Loan Term Sheet uploaded. | Documentation provided was sufficient. | 2022-05-18 22:30 | Resolved | 2 | 1 | 4 | 1 | ||||
107397 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 393021 | 1 of 3 | 2022-04-11 14:09 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-04-28 19:44 | Cleared | 1 | 1 | 3 | 1 | ||||||
107397 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 400338 | 2 of 3 | 2022-04-14 00:20 | Credit | Title - Insufficient Insurance Coverage | The amount of title insurance verified in the loan file is not sufficient to cover the loan amount. Please provide evidence of adequate title coverage. | Title Policy uploaded. | Documentation provided was sufficient. | 2022-05-19 13:38 | Resolved | 3 | 1 | 3 | 1 | ||||
107397 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 405916 | 3 of 3 | 2022-04-18 13:55 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA obtained which supported value. | 2022-09-07 14:21 | Resolved | 3 | 1 | 3 | 1 | |||||
AF50230 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 385870 | 1 of 5 | 2022-04-06 16:59 | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. | Term Sheet is our approval and uploaded | Documentation provided was sufficient. | 2022-05-12 22:30 | Resolved | 2 | 1 | 3 | 1 | ||||
AF50230 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 385902 | 2 of 5 | 2022-04-06 17:08 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA obtained which supported value. | 2022-09-07 19:03 | Resolved | 3 | 1 | 3 | 1 | |||||
AF50230 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 427969 | 3 of 5 | 2022-04-28 18:11 | Compliance | Late Charge Grace Period is less than 10 days | Late Charge Grace Period is less than 10 days. | common practice with private lending | Exception has been voided. | 2022-05-12 18:11 | Void | 1 | 1 | 3 | 1 | ||||
AF50230 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 427970 | 4 of 5 | 2022-04-28 18:11 | Compliance | Late Charge Percent is greater than 6% | Late Charge Percent is greater than 6%. | common practice with private lending | Exception has been voided. | 2022-05-12 18:11 | Void | 1 | 1 | 3 | 1 | ||||
AF50230 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 428048 | 5 of 5 | 2022-04-28 18:41 | Credit | Title Coverage is Less than Subject Lien(s) Total | Title coverage amount of $XXXX is less than total amount of subject lien of $XXXX. | Title Commitment uploaded. | Documentation provided was sufficient. | 2022-05-23 18:41 | Resolved | 3 | 1 | 3 | 1 | ||||
AF50268 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 374016 | 1 of 4 | 2022-03-30 16:51 | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. | Term Sheet is our approval and uplaoded | Documentation provided was sufficient. | 2022-05-12 22:30 | Resolved | 2 | 1 | 3 | 1 | ||||
AF50268 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 395693 | 2 of 4 | 2022-04-12 14:12 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA obtained which supported value. | 2022-09-07 14:21 | Resolved | 3 | 1 | 3 | 1 | |||||
AF50268 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 428320 | 3 of 4 | 2022-04-28 19:51 | Compliance | Late Charge Grace Period is less than 10 days | Late Charge Grace Period is less than 10 days. | common practice with private lending | Exception has been voided. | 2022-05-12 19:51 | Void | 1 | 1 | 3 | 1 | ||||
AF50268 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 428321 | 4 of 4 | 2022-04-28 19:51 | Compliance | Late Charge Percent is greater than 6% | Late Charge Percent is greater than 6%. | common practice with private lending | Exception has been voided. | 2022-05-12 19:51 | Void | 1 | 1 | 3 | 1 | ||||
AF50280 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 385599 | 1 of 4 | 2022-04-06 15:50 | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. | uploaded | Documentation provided was sufficient. | 2022-05-12 22:30 | Resolved | 2 | 1 | 3 | 1 | ||||
AF50280 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 386370 | 2 of 4 | 2022-04-06 19:03 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA obtained which supported value. | 2022-09-07 19:03 | Resolved | 3 | 1 | 3 | 1 | |||||
AF50280 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 428427 | 3 of 4 | 2022-04-28 20:13 | Compliance | Late Charge Grace Period is less than 10 days | Late Charge Grace Period is less than 10 days. | common practice with private lending | Exception has been voided. | 2022-05-12 20:42 | Void | 1 | 1 | 3 | 1 | ||||
AF50280 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 428428 | 4 of 4 | 2022-04-28 20:13 | Compliance | Late Charge Percent is greater than 6% | Late Charge Percent is greater than 6%. | common practice with private lending | Exception has been voided. | 2022-05-12 20:42 | Void | 1 | 1 | 3 | 1 | ||||
ATL50325 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 395696 | 1 of 5 | 2022-04-12 14:14 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA obtained which supported value. | 2022-09-07 14:14 | Resolved | 3 | 1 | 4 | 1 | |||||
ATL50325 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 396621 | 2 of 5 | 2022-04-12 18:46 | Compliance | Missing HUD-1 Closing Statement | HUD-1 Settlement Statement is missing. | uploaded | Documentation provided was sufficient. | 2022-05-12 18:46 | Resolved | 4 | 1 | 4 | 1 | ||||
ATL50325 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 428555 | 3 of 5 | 2022-04-28 20:55 | Compliance | Late Charge Grace Period is less than 10 days | Late Charge Grace Period is less than 10 days. | common practice with private lending | Exception has been voided. | 2022-05-12 21:16 | Void | 1 | 1 | 4 | 1 | ||||
ATL50325 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 428556 | 4 of 5 | 2022-04-28 20:55 | Compliance | Late Charge Percent is greater than 6% | Late Charge Percent is greater than 6%. | common practice with private lending | Exception has been voided. | 2022-05-12 21:16 | Void | 1 | 1 | 4 | 1 | ||||
ATL50325 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 428758 | 5 of 5 | 2022-04-28 22:51 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | 2022-04-28 22:51 | Cleared | 1 | 1 | 4 | 1 | ||||||
ATL50318 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 369138 | 1 of 9 | 2022-03-28 15:25 | Compliance | The Deed of Trust is Missing | The Deed of Trust is missing the signature page. | uploaded | Documentation provided was sufficient. | 2022-05-12 21:42 | Resolved | 4 | 1 | 4 | 1 | ||||
ATL50318 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 369147 | 2 of 9 | 2022-03-28 15:27 | Compliance | The Final 1003 is Missing | The final 1003 is missing. | uploaded- we may not use 1003's for applications | Documentation provided was sufficient. | 2022-05-12 14:20 | Resolved | 3 | 1 | 4 | 1 | ||||
ATL50318 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 369181 | 3 of 9 | 2022-03-28 15:37 | Compliance | Missing HUD-1 Closing Statement | HUD-1 Settlement Statement is missing. | uploaded | Documentation provided was sufficient. | 2022-05-12 15:37 | Resolved | 4 | 1 | 4 | 1 | ||||
ATL50318 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 374436 | 4 of 9 | 2022-03-30 18:44 | Valuation | Appraisal is Missing | The loan file did not contain the Primary subject Valuation as required by the guidelines. | uploaded | Documentation provided was sufficient. | 2022-05-12 18:44 | Resolved | 4 | 1 | 4 | 1 | ||||
ATL50318 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 385706 | 5 of 9 | 2022-04-06 16:20 | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. | Term Sheet is our approval and uplaoded | Documentation provided was sufficient. | 2022-05-12 22:30 | Resolved | 2 | 1 | 4 | 1 | ||||
ATL50318 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 385769 | 6 of 9 | 2022-04-06 16:37 | Credit | Purchase Contract is Missing | The loan file is missing the purchase contract. | uploaded | Documentation provided was sufficient. | 2022-05-12 16:37 | Resolved | 3 | 1 | 4 | 1 | ||||
ATL50318 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 385773 | 7 of 9 | 2022-04-06 16:38 | Credit | Program Parameters - Loan Purpose | The subject loan does not meet Program Parameters for loan purpose. The subject transaction does not meet guidelines. The Subject transaction is a business purpose cash out. The file did not include the sign a business purposes affidavit or similar document as required. | business purpose affidavit is in collateral package | Documentation provided was sufficient. | 2022-05-12 16:38 | Resolved | 3 | 1 | 4 | 1 | ||||
ATL50318 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 428680 | 8 of 9 | 2022-04-28 21:30 | Compliance | Late Charge Grace Period is less than 10 days | Late Charge Grace Period is less than 10 days. | common practice with private lending | Exception has been voided. | 2022-05-12 21:30 | Void | 1 | 1 | 4 | 1 | ||||
ATL50318 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 428681 | 9 of 9 | 2022-04-28 21:30 | Compliance | Late Charge Percent is greater than 6% | Late Charge Percent is greater than 6%. | common practice with private lending | Exception has been voided. | 2022-05-12 21:30 | Void | 1 | 1 | 4 | 1 | ||||
ATL50253 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 386214 | 1 of 5 | 2022-04-06 18:30 | Credit | Hazard Insurance Policy is Missing | Missing hazard insurance policy. | Hazard Insurance policy uploaded. | Documentation provided was sufficient. | 2022-05-24 18:34 | Resolved | 3 | 1 | 3 | 1 | ||||
ATL50253 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 386355 | 2 of 5 | 2022-04-06 18:58 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA obtained which supported value. | 2022-09-07 18:58 | Resolved | 3 | 1 | 3 | 1 | |||||
ATL50253 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 386356 | 3 of 5 | 2022-04-06 18:59 | Credit | Program Parameters - Loan Purpose | The subject loan does not meet Program Parameters for loan purpose. The subject transaction does not meet guidelines. The Subject transaction is a business purpose cash out. The file did not include the sign a business purposes affidavit or similar document as required. | Business Purpose Affidavit uploaded. | Documentation provided was sufficient. | 2022-05-23 14:28 | Resolved | 3 | 1 | 3 | 1 | ||||
ATL50253 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 428726 | 4 of 5 | 2022-04-28 21:57 | Compliance | Late Charge Grace Period is less than 10 days | Late Charge Grace Period is less than 10 days. | common practice with private lending | Exception has been voided. | 2022-05-12 21:57 | Void | 1 | 1 | 3 | 1 | ||||
ATL50253 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 428727 | 5 of 5 | 2022-04-28 21:57 | Compliance | Late Charge Percent is greater than 6% | Late Charge Percent is greater than 6%. | common practice with private lending | Exception has been voided. | 2022-05-12 21:57 | Void | 1 | 1 | 3 | 1 | ||||
ATL50254 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 371650 | 1 of 4 | 2022-03-29 17:08 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA obtained which supported value. | 2022-09-07 17:08 | Resolved | 3 | 1 | 3 | 1 | |||||
ATL50254 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 386465 | 2 of 4 | 2022-04-06 19:19 | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. | Loan Term Sheet uploaded. | Documentation provided was sufficient. | 2022-05-27 22:30 | Resolved | 2 | 1 | 3 | 1 | ||||
ATL50254 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 428745 | 3 of 4 | 2022-04-28 22:22 | Compliance | Late Charge Grace Period is less than 10 days | Late Charge Grace Period is less than 10 days. | common practice with private lending | Exception has been voided. | 2022-04-28 22:26 | Void | 1 | 1 | 3 | 1 | ||||
ATL50254 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 428746 | 4 of 4 | 2022-04-28 22:22 | Compliance | Late Charge Percent is greater than 6% | Late Charge Percent is greater than 6%. | common practice with private lending | Exception has been voided. | 2022-04-28 22:26 | Void | 1 | 1 | 3 | 1 | ||||
ATL50255 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 375076 | 1 of 6 | 2022-03-31 00:38 | Credit | Flood Certificate Missing | Missing Flood Certificate. | uploaded | Documentation provided was sufficient. | 2022-05-12 19:54 | Resolved | 4 | 1 | 4 | 1 | ||||
ATL50255 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 375077 | 2 of 6 | 2022-03-31 00:38 | Credit | Hazard Insurance Policy is Missing | Missing hazard insurance policy. | uploaded | Documentation provided was sufficient. | 2022-05-12 15:22 | Resolved | 3 | 1 | 4 | 1 | ||||
ATL50255 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 375082 | 3 of 6 | 2022-03-31 00:47 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA obtained which supported value. | 2022-09-07 00:47 | Resolved | 3 | 1 | 4 | 1 | |||||
ATL50255 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 385455 | 4 of 6 | 2022-04-06 15:13 | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. | uploaded | Documentation provided was sufficient. | 2022-05-12 22:30 | Resolved | 2 | 1 | 4 | 1 | ||||
ATL50255 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 428754 | 5 of 6 | 2022-04-28 22:45 | Compliance | Late Charge Grace Period is less than 10 days | Late Charge Grace Period is less than 10 days. | common practice with private lending | Exception has been voided. | 2022-05-12 22:48 | Void | 1 | 1 | 4 | 1 | ||||
ATL50255 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 428755 | 6 of 6 | 2022-04-28 22:45 | Compliance | Late Charge Percent is greater than 6% | Late Charge Percent is greater than 6%. | common practice with private lending | Exception has been voided. | 2022-05-12 22:48 | Void | 1 | 1 | 4 | 1 | ||||
43310 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 373236 | 1 of 3 | 2022-03-30 13:51 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | 2022-04-08 14:17 | Cleared | 1 | 1 | 1 | 1 | ||||||
43310 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 373237 | 2 of 3 | 2022-03-30 13:51 | Valuation | Value - Value is supported within 10% of original appraisal amount | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. | 2022-04-08 14:17 | Cleared | 1 | 1 | 1 | 1 | ||||||
43310 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 418122 | 3 of 3 | 2022-04-22 17:37 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-04-22 17:37 | Cleared | 1 | 1 | 1 | 1 | ||||||
43917 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 374050 | 1 of 3 | 2022-03-30 17:05 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. No additional valuation product is in file to support the original valuation within a 10% variance. | CDA obtained which supported value. | 2022-11-04 14:17 | Resolved | 3 | 1 | 3 | 1 | |||||
43917 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 418321 | 2 of 3 | 2022-04-22 18:11 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-04-22 18:11 | Cleared | 1 | 1 | 3 | 1 | ||||||
43917 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 418654 | 3 of 3 | 2022-04-22 19:16 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | 2022-04-22 19:16 | Cleared | 1 | 1 | 3 | 1 | ||||||
44046 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 373852 | 1 of 3 | 2022-03-30 15:59 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-03-30 15:59 | Cleared | 1 | 1 | 3 | 1 | ||||||
44046 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 377018 | 2 of 3 | 2022-03-31 20:00 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | 2022-04-08 14:17 | Cleared | 1 | 1 | 3 | 1 | ||||||
44046 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 377022 | 3 of 3 | 2022-03-31 20:00 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. No additional valuation product is in file to support the original valuation within a 10% variance. | CDA obtained which supported value. | 2022-11-04 14:17 | Resolved | 3 | 1 | 3 | 1 | |||||
44915 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 377399 | 1 of 3 | 2022-03-31 22:04 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-03-31 22:04 | Cleared | 1 | 1 | 3 | 1 | ||||||
44915 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 377400 | 2 of 3 | 2022-03-31 22:04 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | 2022-04-08 14:17 | Cleared | 1 | 1 | 3 | 1 | ||||||
44915 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 377401 | 3 of 3 | 2022-03-31 22:04 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. No additional valuation product is in file to support the original valuation within a 10% variance. | CDA obtained which supported value. | 2022-11-04 14:17 | Resolved | 3 | 1 | 3 | 1 | |||||
44976 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 379080 | 1 of 3 | 2022-04-01 18:37 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-04-01 18:37 | Cleared | 1 | 1 | 1 | 1 | ||||||
44976 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 390734 | 2 of 3 | 2022-04-08 15:50 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | 2022-04-08 15:50 | Cleared | 1 | 1 | 1 | 1 | ||||||
44976 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 417713 | 3 of 3 | 2022-04-22 15:54 | Valuation | Value - Value is supported within 10% of original appraisal amount | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. | 2022-04-22 15:54 | Cleared | 1 | 1 | 1 | 1 | ||||||
45125 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 375807 | 1 of 3 | 2022-03-31 14:50 | Valuation | Value - Value is supported within 10% of original appraisal amount | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. | 2022-04-08 14:17 | Cleared | 1 | 1 | 1 | 1 | ||||||
45125 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 418140 | 2 of 3 | 2022-04-22 17:39 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-04-22 17:39 | Cleared | 1 | 1 | 1 | 1 | ||||||
45125 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 418661 | 3 of 3 | 2022-04-22 19:18 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | 2022-04-22 19:18 | Cleared | 1 | 1 | 1 | 1 | ||||||
45170 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 379971 | 1 of 3 | 2022-04-02 02:33 | Credit | Title Document Missing | Title document is missing. | Title Commitment uploaded. | Documentation provided was sufficient. | 2022-04-30 02:33 | Resolved | 3 | 1 | 3 | 1 | ||||
45170 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 379974 | 2 of 3 | 2022-04-02 02:53 | Valuation | Value - Value is supported within 10% of original appraisal amount | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. | 2022-04-08 14:17 | Cleared | 1 | 1 | 3 | 1 | ||||||
45170 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 418143 | 3 of 3 | 2022-04-22 17:40 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-04-22 17:40 | Cleared | 1 | 1 | 3 | 1 | ||||||
45278 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 382439 | 1 of 3 | 2022-04-05 03:57 | Credit | Missing Property Tax Cert | Property Tax Cert Missing. | Tax Cert uploaded. | Documentation provided was sufficient. | 2022-04-30 15:59 | Resolved | 3 | 1 | 3 | 1 | ||||
45278 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 382443 | 2 of 3 | 2022-04-05 04:15 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. No additional valuation product is in file to support the original valuation within a 10% variance. | CDA obtained which supported value. | 2022-11-04 14:17 | Resolved | 3 | 1 | 3 | 1 | |||||
45278 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 383517 | 3 of 3 | 2022-04-05 16:19 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-04-05 16:19 | Cleared | 1 | 1 | 3 | 1 | ||||||
45930 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 376420 | 1 of 3 | 2022-03-31 17:05 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-03-31 17:05 | Cleared | 1 | 1 | 3 | 1 | ||||||
45930 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 390866 | 2 of 3 | 2022-04-08 16:25 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA obtained which supported value. | 2022-09-07 14:21 | Resolved | 3 | 1 | 3 | 1 | |||||
45930 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 417708 | 3 of 3 | 2022-04-22 15:53 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | 2022-04-22 15:53 | Cleared | 1 | 1 | 3 | 1 | ||||||
45932 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 376954 | 1 of 3 | 2022-03-31 19:36 | Valuation | Value - Value is supported within 10% of original appraisal amount | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. | 2022-04-08 14:17 | Cleared | 1 | 1 | 1 | 1 | ||||||
45932 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 378470 | 2 of 3 | 2022-04-01 16:09 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-04-01 16:09 | Cleared | 1 | 1 | 1 | 1 | ||||||
45932 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 390591 | 3 of 3 | 2022-04-08 15:03 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | 2022-04-08 15:03 | Cleared | 1 | 1 | 1 | 1 | ||||||
46073 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 390880 | 1 of 3 | 2022-04-08 16:33 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA obtained which supported value. | 2022-09-07 14:21 | Resolved | 3 | 1 | 3 | 1 | |||||
46073 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 390883 | 2 of 3 | 2022-04-08 16:34 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | 2022-04-08 16:34 | Cleared | 1 | 1 | 3 | 1 | ||||||
46073 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 418147 | 3 of 3 | 2022-04-22 17:41 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-04-22 17:41 | Cleared | 1 | 1 | 3 | 1 | ||||||
46142 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 390979 | 1 of 3 | 2022-04-08 17:00 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | 2022-04-08 17:00 | Cleared | 1 | 1 | 3 | 1 | ||||||
46142 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 390985 | 2 of 3 | 2022-04-08 17:01 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA obtained which supported value. | 2022-09-07 14:21 | Resolved | 3 | 1 | 3 | 1 | |||||
46142 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 418156 | 3 of 3 | 2022-04-22 17:41 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-04-22 17:41 | Cleared | 1 | 1 | 3 | 1 | ||||||
46176 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 375622 | 1 of 3 | 2022-03-31 14:02 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA obtained which supported value. | 2022-09-07 14:21 | Resolved | 3 | 1 | 3 | 1 | |||||
46176 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 377051 | 2 of 3 | 2022-03-31 20:05 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-03-31 20:05 | Cleared | 1 | 1 | 3 | 1 | ||||||
46176 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 390998 | 3 of 3 | 2022-04-08 17:09 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | 2022-04-08 17:59 | Cleared | 1 | 1 | 3 | 1 | ||||||
46560 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 373041 | 1 of 3 | 2022-03-30 12:37 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-03-30 12:37 | Cleared | 1 | 1 | 3 | 1 | ||||||
46560 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 376764 | 2 of 3 | 2022-03-31 18:47 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA obtained which supported value. | 2022-09-07 14:21 | Resolved | 3 | 1 | 3 | 1 | |||||
46560 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 376854 | 3 of 3 | 2022-03-31 19:10 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | 2022-04-08 14:17 | Cleared | 1 | 1 | 3 | 1 | ||||||
47038 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 375735 | 1 of 3 | 2022-03-31 14:33 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | 2022-04-08 17:56 | Cleared | 1 | 1 | 3 | 1 | ||||||
47038 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 375737 | 2 of 3 | 2022-03-31 14:33 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA obtained which supported value. | 2022-09-07 14:21 | Resolved | 3 | 1 | 3 | 1 | |||||
47038 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 418193 | 3 of 3 | 2022-04-22 17:46 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-04-22 17:46 | Cleared | 1 | 1 | 3 | 1 | ||||||
47332 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 376078 | 1 of 3 | 2022-03-31 15:50 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | 2022-04-08 17:30 | Cleared | 1 | 1 | 1 | 1 | ||||||
47332 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 376080 | 2 of 3 | 2022-03-31 15:50 | Valuation | Value - Value is supported within 10% of original appraisal amount | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. | 2022-04-08 14:17 | Cleared | 1 | 1 | 1 | 1 | ||||||
47332 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 377205 | 3 of 3 | 2022-03-31 20:40 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-03-31 20:40 | Cleared | 1 | 1 | 1 | 1 | ||||||
47532 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 375530 | 1 of 3 | 2022-03-31 13:32 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA obtained which supported value. | 2022-09-07 14:21 | Resolved | 3 | 1 | 3 | 1 | |||||
47532 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 418358 | 2 of 3 | 2022-04-22 18:18 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-04-22 18:18 | Cleared | 1 | 1 | 3 | 1 | ||||||
47532 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 418753 | 3 of 3 | 2022-04-22 19:38 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | 2022-04-22 19:38 | Cleared | 1 | 1 | 3 | 1 | ||||||
46525 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 376231 | 1 of 3 | 2022-03-31 16:25 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA obtained which supported value. | 2022-09-07 14:21 | Resolved | 3 | 1 | 3 | 1 | |||||
46525 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 376418 | 2 of 3 | 2022-03-31 17:05 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | 2022-04-08 17:55 | Cleared | 1 | 1 | 3 | 1 | ||||||
46525 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 418173 | 3 of 3 | 2022-04-22 17:42 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-04-22 17:42 | Cleared | 1 | 1 | 3 | 1 | ||||||
104755 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 1 of 7 | 2021-10-04 19:28 | Credit | Fraud Report - Missing | The loan file did not contain a third party fraud report as required. | OFAC and Lexis Nexis provided | Documentation provided is sufficient. | 2021-10-07 18:56 | Resolved | 3 | 1 | 3 | 1 | |||||
104755 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 2 of 7 | 2021-10-04 19:28 | Credit | Flood Cert - Missing | The loan file did not contain a flood cert as required. | Flood Certs uploaded. | Documentation provided is sufficient. | 2021-10-21 19:21 | Resolved | 3 | 1 | 3 | 1 | |||||
104755 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3 of 7 | 2021-10-04 19:28 | Credit | Hazard Insurance - Insufficient | Hazard Insurance of $XXXX is less than required coverage amount of $XXXX. | Replacement cost documentation provided. | Documentation provided is sufficient. | 2021-10-07 19:21 | Resolved | 3 | 1 | 3 | 1 | |||||
104755 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 4 of 7 | 2021-10-04 19:27 | Credit | Reserves - Insufficient Reserves | The verified reserves are not sufficient to meet guideline requirements. There were no assets documented in the loan file. | Bank Statements provided. | Updated guidelines require 6 months reserves. Bank statements provided total $XXXX Documentation provided is sufficient. | 2021-10-21 18:54 | Resolved | 3 | 1 | 3 | 1 | |||||
104755 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 5 of 7 | 2021-10-04 19:26 | Credit | Credit Documentation - Credit Report Missing | The loan file did not contain the credit report as required. | Credit Reports provided. | Documentation provided is sufficient. | 2021-10-07 18:55 | Resolved | 3 | 1 | 3 | 1 | |||||
104755 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6 of 7 | 2021-10-04 19:26 | Compliance | No Compliance Findings | There are no compliance findings. | 2021-09-29 18:55 | Cleared | 1 | 1 | 3 | 1 | |||||||
104755 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 7 of 7 | 2021-10-04 19:26 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. | CDA obtained which supported value. | 2021-09-29 18:55 | Resolved | 3 | 1 | 3 | 1 | ||||||
104842 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 1 of 8 | 2021-10-04 20:13 | Credit | Fraud Report - Missing | The loan file did not contain a third party fraud report as required. | OFAC and Lexis Nexis provided | Documentation provided is sufficient. | 2021-10-07 14:54 | Resolved | 3 | 1 | 3 | 1 | |||||
104842 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 2 of 8 | 2021-10-04 20:13 | Credit | Title - Insufficient Coverage | The amount of title insurance verified in the loan file is not sufficient to cover the loan amount. Title Coverage Amount of $XXXX is less than total amount of subject lien(s) of $XXXX. Title coverage is missing for XXXX and XXXX. | Supplemental Title Report provided. | Documentation provided is sufficient. | 2021-10-07 15:27 | Resolved | 3 | 1 | 3 | 1 | |||||
104842 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3 of 8 | 2021-10-04 20:12 | Credit | Reserves - Insufficient Reserves | The verified reserves are not sufficient to meet guideline requirements. There were no assets documented in the loan file. | Bank Statements provided. | Updated guidelines require 6 months reserves. Bank statements provided total $XXXX Documentation provided is sufficient. | 2021-10-21 14:31 | Resolved | 3 | 1 | 3 | 1 | |||||
104842 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 4 of 8 | 2021-10-04 20:08 | Credit | Credit Documentation - Credit Report Missing | The loan file did not contain the credit report as required. | Credit Reports provided. | Documentation provided is sufficient. | 2021-10-07 14:54 | Resolved | 3 | 1 | 3 | 1 | |||||
104842 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 5 of 8 | 2021-09-29 15:18 | Credit | Flood Cert - Missing | The loan file did not contain a flood cert as required. | Flood Certs uploaded. | Documentation provided is sufficient. | 2021-10-21 15:18 | Resolved | 3 | 1 | 3 | 1 | |||||
104842 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6 of 8 | 2021-09-29 15:18 | Credit | Hazard Insurance - Insufficient | Hazard Insurance of $XXXX is less than required coverage amount of $XXXX. | Replacement cost documentation provided. | HOI policies contain full replacement cost coverage of 100%. Documentation provided is sufficient. | 2021-10-21 15:18 | Resolved | 3 | 1 | 3 | 1 | |||||
104842 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 7 of 8 | 2021-09-29 15:18 | Compliance | No Compliance Findings | There are no compliance findings. | 2021-09-29 15:18 | Cleared | 1 | 1 | 3 | 1 | |||||||
104842 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 8 of 8 | 2021-09-29 15:18 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. | CDA obtained which supported value. | 2022-09-07 15:18 | Resolved | 3 | 1 | 3 | 1 | ||||||
104843 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 1 of 8 | 2021-10-04 20:27 | Credit | Fraud Report - Missing | The loan file did not contain a third party fraud report as required. | OFAC and Lexis Nexis provided | Documentation provided is sufficient. | 2021-10-21 16:48 | Resolved | 3 | 1 | 3 | 1 | |||||
104843 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 2 of 8 | 2021-10-04 20:26 | Credit | Title - Insufficient Coverage | The amount of title insurance verified in the loan file is not sufficient to cover the loan amount. The preliminary title report provided does not include proposed coverage amount. | Supplemental Title Reports provided. | Documentation provided is sufficient. | 2021-10-21 17:18 | Resolved | 3 | 1 | 3 | 1 | |||||
104843 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3 of 8 | 2021-10-04 20:24 | Credit | Hazard Insurance - Insufficient | Hazard Insurance of $XXXX is less than required coverage amount of $XXXX. | Replacement cost documentation provided. | Replacement cost estimate for XXXX is showing $XXXX. Coverage amount provided is showing $XXXX. Replacement cost estimate for XXXX. is showing $XXXX. Coverage amount provided is showing $XXXX. Replacement cost estimate for XXXX is showing $XXXX. Coverage amount provided is showing $XXXX. Replacement cost estimate for XXXX. is showing $XXXX. Coverage amount provided is showing $XXXX. Replacement cost estimate for XXXX is showing $XXXX. HOI policies contain full replacement cost coverage of 100%. Documentation provided is sufficient. | 2021-10-21 17:15 | Resolved | 3 | 1 | 3 | 1 | |||||
104843 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 4 of 8 | 2021-10-04 20:24 | Credit | Flood Cert - Missing | The loan file did not contain a flood cert as required. | Flood Certs uploaded. | Documentation provided is sufficient. | 2021-10-21 20:24 | Resolved | 3 | 1 | 3 | 1 | |||||
104843 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 5 of 8 | 2021-10-04 20:23 | Credit | Reserves - Insufficient Reserves | The verified reserves are not sufficient to meet guideline requirements. There were no assets documented in the loan file. | Updated guidelines require 6 months reserves. Bank statements provided total $XXXX Documentation provided is sufficient. | 2021-10-21 16:43 | Resolved | 3 | 1 | 3 | 1 | ||||||
104843 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6 of 8 | 2021-10-04 20:18 | Credit | Credit Documentation - Credit Report Missing | The loan file did not contain the credit report as required. | Credit Reports provided. | Documentation provided is sufficient. | 2021-10-07 16:47 | Resolved | 3 | 1 | 3 | 1 | |||||
104843 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 7 of 8 | 2021-10-04 20:18 | Compliance | No Compliance Findings | There are no compliance findings. | 2021-09-28 16:47 | Cleared | 1 | 1 | 3 | 1 | |||||||
104843 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 8 of 8 | 2021-10-04 20:18 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. | CDA obtained which supported value. | 2022-09-07 16:47 | Resolved | 3 | 1 | 3 | 1 | ||||||
120709 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 426753 | 1 of 3 | 2022-04-28 13:25 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-04-28 13:25 | Cleared | 1 | 1 | 3 | 1 | ||||||
120709 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 435015 | 2 of 3 | 2022-05-03 16:42 | Valuation | Value - Value is supported within 10% of original appraisal amount | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. | 2022-05-03 16:42 | Cleared | 1 | 1 | 3 | 1 | ||||||
120709 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 442669 | 3 of 3 | 2022-05-06 16:11 | Credit | Title - Insufficient Insurance Coverage | The amount of title insurance verified in the loan file is not sufficient to cover the loan amount. | Title Commitment uploaded. | Documentation provided was sufficient. | 2022-05-20 16:11 | Resolved | 3 | 1 | 3 | 1 | ||||
120941 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 426756 | 1 of 3 | 2022-04-28 13:26 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-04-28 13:26 | Cleared | 1 | 1 | 3 | 1 | ||||||
120941 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 436047 | 2 of 3 | 2022-05-03 21:41 | Credit | Title Document Missing | Title document is missing. | Marked Up Title and Original Title Commitment Uploaded. | Documentation provided was sufficient. | 2022-05-14 15:27 | Resolved | 3 | 1 | 3 | 1 | ||||
120941 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 437627 | 3 of 3 | 2022-05-04 17:14 | Valuation | Value - Value is supported within 10% of original appraisal amount | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. | 2022-05-04 17:14 | Cleared | 1 | 1 | 3 | 1 | ||||||
121335 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 435497 | 1 of 5 | 2022-05-03 18:49 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-05-04 12:02 | Cleared | 1 | 1 | 3 | 1 | ||||||
121335 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 436885 | 2 of 5 | 2022-05-04 14:30 | Valuation | Value - Value is supported within 10% of original appraisal amount | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. | 2022-05-05 23:59 | Cleared | 1 | 1 | 3 | 1 | ||||||
121335 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 437386 | 3 of 5 | 2022-05-04 16:15 | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves are less than Guideline Required Reserves of 6 months. Per XX Investor Loan Program Guidelines, effective 11/2021, 6 months reserves are required for the subject property. 10% of the cash proceeds can be used to meet the reserve requirement. Reserves required in the amount of $XXXX and 10% of the proceeds are $XXXX. | Amount should be fine. Have 12k on a Jan statement. Uploaded jan statement to shared Folder | Documentation provided was sufficient. | 2022-05-16 16:20 | Resolved | 3 | 1 | 3 | 1 | ||||
121335 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 437701 | 4 of 5 | 2022-05-04 17:33 | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Per XXXX Investor Loan Program Guidelines, effective 11/2021, on a cashout refinance, the subject property can't be vacant. This transaction is a cashout refinance and per the appraisal, the subject property is vacant. | uploaded lease showing tenant residing since 3/1/22 to Shared folder | Documentation provided was sufficient. | 2022-05-16 16:21 | Resolved | 3 | 1 | 3 | 1 | ||||
121335 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 437802 | 5 of 5 | 2022-05-04 17:51 | Credit | Credit Documentation - Letter of Explanation | The loan file did not contain a letter of explanation as required. The subject transaction is a cash out refinance of an investment property as a business purpose transaction however the required LOE detailing the cash-out proceeds being used solely for business purposes was not provided as required. | Business Purpose Affidavit Uploaded to Shared folder | Documentation provided was sufficient. | 2022-05-16 16:21 | Resolved | 3 | 1 | 3 | 1 | ||||
121655 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 438760 | 1 of 6 | 2022-05-04 20:46 | Credit | Flood Insurance Policy Missing | Missing Flood Insurance Policy. | uploaded to Shared folder | Documentation provided was sufficient. | 2022-05-16 20:46 | Resolved | 3 | 1 | 4 | 2 | ||||
121655 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 438761 | 2 of 6 | 2022-05-04 20:46 | Credit | HO6 Master Insurance Policy is Missing | Missing HO-6 Master Insurance Policy. | uploaded to Shared folder | Documentation provided was sufficient. | 2022-05-16 20:46 | Resolved | 3 | 1 | 4 | 2 | ||||
121655 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 438876 | 3 of 6 | 2022-05-04 21:24 | Compliance | Condo Rider is Missing | Condo Rider is missing. | Condo Rider uploaded. | Documentation provided was sufficient. | 2022-07-12 16:22 | Resolved | 3 | 1 | 4 | 2 | ||||
121655 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 438909 | 4 of 6 | 2022-05-04 21:37 | Valuation | Value - Value is supported within 10% of original appraisal amount | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. | 2022-05-04 21:37 | Cleared | 1 | 1 | 4 | 2 | ||||||
121655 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 439077 | 5 of 6 | 2022-05-05 01:12 | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Per XXXX Investor Loan Program Guidelines effective 11/2021, for purchase transactions market rents from the appraisal will be used to calculate Debt Service Coverage Ratio (DSCR). Per the 1007, the market rent is $XXXX. The rent from the lease agreement in the amount of $XXXX was utilized at origination. Using the lower rent decreases the DSCR from 1 to 0.87 which is below the minimum required DSCR of 1. | reviewed prior to bid | Subject DSCR does not meet guidelines. | Signed 1 year lease agreement in file, Qualifying FICO of 700, verified 109 months reserves and LTV of 75%. | 2022-08-01 16:24 | Waived | 3 | 2 | 4 | 2 | |||
121655 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 439078 | 6 of 6 | 2022-05-05 01:24 | Compliance | Missing HUD-1 Closing Statement | The HUD in the file is the preliminary HUD and is not signed by the borrower or sellers. | HUD-1 Closing Statement uploaded. | Documentation provided was sufficient. | 2022-05-16 01:24 | Resolved | 4 | 1 | 4 | 2 | ||||
121664 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 423188 | 1 of 4 | 2022-04-26 18:52 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-04-27 11:28 | Cleared | 1 | 1 | 3 | 1 | ||||||
121664 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 439694 | 2 of 4 | 2022-05-05 14:54 | Valuation | Value - Value is supported within 10% of original appraisal amount | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. | 2022-05-06 00:00 | Cleared | 1 | 1 | 3 | 1 | ||||||
121664 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 440923 | 3 of 4 | 2022-05-05 19:54 | Credit | Credit Documentation - Letter of Explanation | The loan file did not contain a letter of explanation as required. The subject transaction is a cash out refinance of an investment property as a business purpose transaction however the required LOE detailing the cash out proceeds being used solely for business purpose was not provided as required. | Business Purpose Affidavit Uploaded to Shared folder | Documentation provided was sufficient. | 2022-05-16 16:25 | Resolved | 3 | 1 | 3 | 1 | ||||
121664 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 442723 | 4 of 4 | 2022-05-06 16:25 | Credit | Title - Insufficient Insurance Coverage | The amount of title insurance verified in the loan file is not sufficient to cover the loan amount. | uploaded to Shared folder | Documentation provided was sufficient. | 2022-05-16 16:25 | Resolved | 3 | 1 | 3 | 1 | ||||
121582 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 425685 | 1 of 3 | 2022-04-27 18:51 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-04-28 13:57 | Cleared | 1 | 1 | 3 | 2 | ||||||
121582 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 440172 | 2 of 3 | 2022-05-05 17:03 | Valuation | Value - Value is supported within 10% of original appraisal amount | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. | 2022-05-06 00:00 | Cleared | 1 | 1 | 3 | 2 | ||||||
121582 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 440527 | 3 of 3 | 2022-05-05 18:23 | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Per XXXX Investor Loan Program Guidelines, effective 11/2021, for cashout refinances, the maximum cash out is $XXXX. Per the HUD, the borrower received $XXXX which exceeds guidelines. | Need XXXX to request exception. | Investor accepts with compensating factors. | Qualifying FICO of 754, verified 50 months reserves, DSCR of 1.61 and LTV of 65%. | 2022-08-01 16:27 | Waived | 3 | 2 | 3 | 2 | |||
121690 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 437780 | 1 of 3 | 2022-05-04 17:48 | Valuation | Value - Value is supported within 10% of original appraisal amount | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. | 2022-05-04 19:32 | Cleared | 1 | 1 | 3 | 1 | ||||||
121690 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 442507 | 2 of 3 | 2022-05-06 15:43 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-05-06 15:43 | Cleared | 1 | 1 | 3 | 1 | ||||||
121690 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 442927 | 3 of 3 | 2022-05-06 17:13 | Credit | Assets - Insufficient Cash to Close | The loan file does not contain all required asset documentation. Total verified assets are not sufficient to cover total required assets. Total verified assets of $XXXX were not sufficient for cash to close of $XXXX and 6 months reserves of $XXXX. It should be noted that only 1 month statement was provided for account with XXXX ending #XXXX. | $XXXX showing on currnet snapshot from XX/XX (date seen in bottom left corner in transactions). Statements and screenshot uploaded to shared folder | Documentation provided was sufficient. | 2022-05-16 17:13 | Resolved | 3 | 1 | 3 | 1 | ||||
121792 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 424478 | 1 of 3 | 2022-04-27 13:13 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-04-27 13:13 | Cleared | 1 | 1 | 1 | 1 | ||||||
121792 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 439976 | 2 of 3 | 2022-05-05 16:13 | Valuation | Value - Value is supported within 10% of original appraisal amount | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. | 2022-05-05 16:13 | Cleared | 1 | 1 | 1 | 1 | ||||||
121792 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 440379 | 3 of 3 | 2022-05-05 17:51 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | 2022-05-05 17:51 | Cleared | 1 | 1 | 1 | 1 | ||||||
121259 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 439544 | 1 of 3 | 2022-05-05 14:15 | Compliance | PUD Rider is Missing | PUD Rider is missing. | PUD Rider uploaded. | Documentation provided was sufficient. | 2022-07-12 17:15 | Resolved | 3 | 1 | 3 | 2 | ||||
121259 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 439699 | 2 of 3 | 2022-05-05 14:55 | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Per guidelines dated 11/2021, Investor Loan Qualifying Rental Income for Subject Property guideline states if the property is leased at the time of Origination, gross rents will be used to calculate the Debt Service Coverage Ratio (DSCR). Gross rent is the lessor of (i) the in-place monthly rent per the lease agreement ($XXXX); and (ii) 105% of the market rent from the appraiser ($XXXX). Subject transaction was qualified using current lease amount. Loan file does not contain a formal exception. | reviewed prior to bid | Investor accepts with compensating factors. | Verified 41 months reserves, Qualifying FICO of 692, DSCR of 1.92, borrower experience over 20 years and LTV of 75%. | 2022-08-01 17:17 | Waived | 3 | 2 | 3 | 2 | |||
121259 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 439703 | 3 of 3 | 2022-05-05 14:56 | Valuation | Value - Value is supported within 10% of original appraisal amount | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. | 2022-05-05 14:56 | Cleared | 1 | 1 | 3 | 2 | ||||||
ATL50296 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 436019 | 1 of 3 | 2022-05-03 21:21 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-05-04 13:40 | Cleared | 1 | 1 | 3 | 1 | ||||||
ATL50296 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 437442 | 2 of 3 | 2022-05-04 16:29 | Credit | Purchase Contract - Addendum Missing | The Purchase Contract Addendum is missing. Missing Purchase Contract Addendum's #2-#4. Missing Purchase Contract Addendum extending closing date to XX/XX/XXXX. | Purchase Contract Addendums uploaded. | Documentation provided was sufficient. | 2022-10-26 17:52 | Resolved | 3 | 1 | 3 | 1 | ||||
ATL50296 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 443123 | 3 of 3 | 2022-05-06 17:53 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA obtained which supported value. | 2022-09-07 19:03 | Resolved | 3 | 1 | 3 | 1 | |||||
ATF50297 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 431126 | 1 of 3 | 2022-05-02 13:17 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-05-03 19:42 | Cleared | 1 | 1 | 3 | 1 | ||||||
ATF50297 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 437596 | 2 of 3 | 2022-05-04 17:08 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | 2022-05-04 17:08 | Cleared | 1 | 1 | 3 | 1 | ||||||
ATF50297 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 438106 | 3 of 3 | 2022-05-04 18:40 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA obtained which supported value. | 2022-09-07 19:03 | Resolved | 3 | 1 | 3 | 1 | |||||
ATL50307 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 431334 | 1 of 4 | 2022-05-02 13:54 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-05-03 15:07 | Cleared | 1 | 1 | 3 | 1 | ||||||
ATL50307 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 440007 | 2 of 4 | 2022-05-05 16:26 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | 2022-05-05 16:26 | Cleared | 1 | 1 | 3 | 1 | ||||||
ATL50307 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 441329 | 3 of 4 | 2022-05-05 22:13 | Credit | Hazard Insurance Expiration Date is before the Note Date | Hazard Insurance Expiration Date of XX/XX/XXXX is prior to or equal to the Note Date of XX/XX/XXXX. The effective date and the expiration date on the hazard insurance policy are the same. | Updated Hazard Insurance uploaded. | Documentation provided was sufficient. | 2022-05-27 22:27 | Resolved | 3 | 1 | 3 | 1 | ||||
ATL50307 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 441348 | 4 of 4 | 2022-05-05 22:26 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA obtained which supported value. | 2022-09-07 19:03 | Resolved | 3 | 1 | 3 | 1 | |||||
ATL50339 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 431559 | 1 of 3 | 2022-05-02 14:33 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-05-03 17:43 | Cleared | 1 | 1 | 3 | 1 | ||||||
ATL50339 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 438305 | 2 of 3 | 2022-05-04 19:18 | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves are less than Guideline Required Reserves of 6 month(s). Asset statements are required to document 6 months reserves. | HUD uploaded to document cash back | Documentation provided was sufficient. | 2022-05-27 17:56 | Resolved | 3 | 1 | 3 | 1 | ||||
ATL50339 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 438327 | 3 of 3 | 2022-05-04 19:21 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA obtained which supported value. | 2022-09-07 19:03 | Resolved | 3 | 1 | 3 | 1 | |||||
AF50282 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 427774 | 1 of 6 | 2022-04-28 17:29 | Credit | Third Party Fraud Report not Provided | The loan file does not contain the third party fraud report. | Fraud Report uploaded. | Documentation provided was sufficient. | 2022-08-01 17:57 | Resolved | 3 | 1 | 4 | 1 | ||||
AF50282 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 434348 | 2 of 6 | 2022-05-03 14:10 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-05-03 14:10 | Cleared | 1 | 1 | 4 | 1 | ||||||
AF50282 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 438684 | 3 of 6 | 2022-05-04 20:24 | Credit | Asset 1 Less Than 2 Months Verified | As per XXXX Investor Loan guidelines, asset verification must provide 60 days of account activity. Asset documentation provided for XXXX account #XXXX covers 10/1/2021-11/19/2021. Additional statement is required. | Asset documentation uploaded. | Documentation provided was sufficient. | 2022-05-27 17:59 | Resolved | 3 | 1 | 4 | 1 | ||||
AF50282 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 438736 | 4 of 6 | 2022-05-04 20:37 | Credit | Flood Certificate Missing | The loan file does not contain the Flood Cert. | Flood Cert uploaded. | Documentation provided was sufficient. | 2022-05-27 17:57 | Resolved | 4 | 1 | 4 | 1 | ||||
AF50282 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 438784 | 5 of 6 | 2022-05-04 20:51 | Credit | Purchase Contract - Addendum Missing | The Purchase Contract Addendum is missing. Missing addendum to Purchase Contract extending closing from XX/XX/XXXX to XX/XX/XXXX. | Sales Contract Addendum uploaded. | Documentation provided was sufficient. | 2022-10-26 17:58 | Resolved | 3 | 1 | 4 | 1 | ||||
AF50282 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 438785 | 6 of 6 | 2022-05-04 20:51 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA obtained which supported value. | 2022-09-07 19:03 | Resolved | 3 | 1 | 4 | 1 | |||||
AF50278 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 434184 | 1 of 3 | 2022-05-03 13:37 | Credit | Trust/POA Does Not Meet Guideline Requirements | Trust/POA Does Not Meet Guideline Requirements Missing. Power of Attorney for XXXX (absent signer) to XXXX as Attorney-in-Fact. | POA uploaded. | Documentation provided was sufficient. | 2022-05-27 18:36 | Resolved | 3 | 1 | 3 | 1 | ||||
AF50278 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 437622 | 2 of 3 | 2022-05-04 17:13 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA obtained which supported value. | 2022-09-07 19:03 | Resolved | 3 | 1 | 3 | 1 | |||||
AF50278 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 437623 | 3 of 3 | 2022-05-04 17:13 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-05-04 17:13 | Cleared | 1 | 1 | 3 | 1 | ||||||
ATL50346 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 436360 | 1 of 3 | 2022-05-04 12:29 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-05-04 14:20 | Cleared | 1 | 1 | 3 | 1 | ||||||
ATL50346 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 437702 | 2 of 3 | 2022-05-04 17:33 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA obtained which supported value. | 2022-05-04 17:33 | Resolved | 3 | 1 | 3 | 1 | |||||
ATL50346 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 438439 | 3 of 3 | 2022-05-04 19:44 | Credit | Program Parameters - Loan Purpose | The subject loan does not meet Program Parameters for loan purpose. The subject transaction does not meet guidelines. The subject transaction is a cash out refinance of an investment property as a business purpose transaction however the required LOE detailing the cash out proceeds being used solely for business purpose was not provided as required as required by the guidelines. | Business Purpose Affidavit uploaded. | Documentation provided was sufficient. | 2022-05-27 18:39 | Resolved | 3 | 1 | 3 | 1 | ||||
ATL50348 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 428329 | 1 of 4 | 2022-04-28 19:52 | Credit | Third Party Fraud Report not Provided | The loan file does not contain the third party fraud report. | Fraud Report uploaded. | Documentation provided was sufficient. | 2022-05-27 18:42 | Resolved | 3 | 1 | 3 | 1 | ||||
ATL50348 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 434525 | 2 of 4 | 2022-05-03 14:51 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-05-03 14:51 | Cleared | 1 | 1 | 3 | 1 | ||||||
ATL50348 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 437831 | 3 of 4 | 2022-05-04 17:57 | Credit | Program Parameters - Loan Purpose | The subject loan does not meet Program Parameters for loan purpose. The subject transaction does not meet guidelines. The subject transaction is a cash out refinance of an investment property as a business purpose transaction however the required LOE detailing the cash out proceeds being used solely for business purpose was not provided as required as required by the guidelines. | Business Purpose Affidavit uploaded. | Documentation provided was sufficient. | 2022-05-27 17:57 | Resolved | 3 | 1 | 3 | 1 | ||||
ATL50348 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 443486 | 4 of 4 | 2022-05-06 19:01 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA obtained which supported value. | 2022-09-07 19:03 | Resolved | 3 | 1 | 3 | 1 | |||||
ATL50355 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 432487 | 1 of 4 | 2022-05-02 17:58 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-05-03 16:55 | Cleared | 1 | 1 | 3 | 1 | ||||||
ATL50355 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 437713 | 2 of 4 | 2022-05-04 17:36 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA obtained which supported value. | 2022-09-07 19:03 | Resolved | 3 | 1 | 3 | 1 | |||||
ATL50355 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 438503 | 3 of 4 | 2022-05-04 19:56 | Credit | Purchase Contract - Addendum Missing | The Purchase Contract Addendum is missing. The addendum to increase the purchase price from $XXXX to $XXXX and closing costs from $XXXX to $XXXX is missing from the loan file. | Document uploaded. | Documentation provided was sufficient. | 2022-08-01 19:06 | Resolved | 3 | 1 | 3 | 1 | ||||
ATL50355 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 441441 | 4 of 4 | 2022-05-06 01:26 | Credit | Liabilities - REO | The loan file did not contain sufficient documentation to verify debts associated with all other properties. As per the XXXX Investor loan program guidelines; all borrowers must disclose all mortgage/lien rating for each financed property. All mortgages must reflect no more than 1x30 in past 12 months. The borrower's listed XXXX and XXXX as real estate owned, but the mortgages associated with these properties are not reflected on the credit report, nor is there a credit supplement in file to verify the rental history. | Exception has been voided. | 2022-05-27 19:07 | Void | 1 | 1 | 3 | 1 | |||||
ATL50332 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 429078 | 1 of 9 | 2022-04-29 13:26 | Credit | Missing credit report | The loan file does not contain the Credit Report. | Credit Report uploaded. | Documentation provided was sufficient. | 2022-05-27 19:14 | Resolved | 4 | 1 | 4 | 1 | ||||
ATL50332 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 429088 | 2 of 9 | 2022-04-29 13:27 | Credit | Third Party Fraud Report not Provided | The loan file does not contain the third party fraud report. | Fraud Report uploaded. | Documentation provided was sufficient. | 2022-08-01 19:10 | Resolved | 3 | 1 | 4 | 1 | ||||
ATL50332 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 431849 | 3 of 9 | 2022-05-02 15:27 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-05-03 15:07 | Cleared | 1 | 1 | 4 | 1 | ||||||
ATL50332 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 439267 | 4 of 9 | 2022-05-05 12:49 | Valuation | Appraisal is Missing | The loan file does not contain the origination appraisal. | Origination Appraisal uploaded. | Documentation provided was sufficient. | 2022-05-27 19:12 | Resolved | 4 | 1 | 4 | 1 | ||||
ATL50332 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 439282 | 5 of 9 | 2022-05-05 12:53 | Credit | Flood Certificate Missing | The loan file does not contain the Flood Cert. | Flood Cert uploaded. | Documentation provided was sufficient. | 2022-05-27 13:14 | Resolved | 4 | 1 | 4 | 1 | ||||
ATL50332 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 439283 | 6 of 9 | 2022-05-05 12:53 | Credit | Hazard Insurance Policy is Missing | Missing Hazard Insurance policy. | Hazard Insurance Policy uploaded. | Documentation provided was sufficient. | 2022-05-27 13:14 | Resolved | 3 | 1 | 4 | 1 | ||||
ATL50332 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 439298 | 7 of 9 | 2022-05-05 12:55 | Credit | Evidence of Property Tax Missing | Missing evidence of property tax. | Tax Cert uploaded. | Documentation provided was sufficient. | 2022-05-27 13:13 | Resolved | 3 | 1 | 4 | 1 | ||||
ATL50332 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 439332 | 8 of 9 | 2022-05-05 13:07 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA obtained which supported value. | 2022-09-07 19:03 | Resolved | 3 | 1 | 4 | 1 | |||||
ATL50332 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 443555 | 9 of 9 | 2022-05-06 19:15 | Credit | Assets - Insufficient Cash to Close | The loan file does not contain all required asset documentation. Total verified assets are not sufficient to cover total required assets. The loan file does not contain asset documentation to support the cash to close or 6 month reserves requirements. | Asset documentation uploaded. | Documentation provided was sufficient. | 2022-05-27 19:15 | Resolved | 3 | 1 | 4 | 1 | ||||
ATL50356 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 429251 | 1 of 9 | 2022-04-29 14:20 | Credit | Missing credit report | The loan file does not contain the Credit Report. | Credit Report uploaded. | Documentation provided was sufficient. | 2022-05-27 19:17 | Resolved | 4 | 1 | 4 | 1 | ||||
ATL50356 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 429256 | 2 of 9 | 2022-04-29 14:22 | Credit | Third Party Fraud Report not Provided | The loan file does not contain the third party fraud report. | Fraud Report uploaded. | Documentation provided was sufficient. | 2022-05-27 13:20 | Resolved | 3 | 1 | 4 | 1 | ||||
ATL50356 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 434431 | 3 of 9 | 2022-05-03 14:32 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-05-03 14:32 | Cleared | 1 | 1 | 4 | 1 | ||||||
ATL50356 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 436499 | 4 of 9 | 2022-05-04 13:10 | Valuation | Appraisal is Missing | The loan file does not contain the origination appraisal. | Origination Appraisal uploaded. | Documentation provided was sufficient. | 2022-05-27 19:18 | Resolved | 4 | 1 | 4 | 1 | ||||
ATL50356 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 436510 | 5 of 9 | 2022-05-04 13:12 | Credit | Flood Certificate Missing | The loan file does not contain the Flood Cert. | Flood Cert uploaded. | Documentation provided was sufficient. | 2022-05-27 13:12 | Resolved | 4 | 1 | 4 | 1 | ||||
ATL50356 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 436511 | 6 of 9 | 2022-05-04 13:12 | Credit | Hazard Insurance Policy is Missing | Missing Hazard Insurance policy. | Hazard Insurance Policy uploaded. | Documentation provided was sufficient. | 2022-05-27 13:12 | Resolved | 3 | 1 | 4 | 1 | ||||
ATL50356 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 436567 | 7 of 9 | 2022-05-04 13:19 | Credit | Title Document Missing | Title document is missing. | Title Policy uploaded. | Documentation provided was sufficient. | 2022-05-27 13:19 | Resolved | 3 | 1 | 4 | 1 | ||||
ATL50356 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 436590 | 8 of 9 | 2022-05-04 13:23 | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves are less than Guideline Required Reserves of 6 month(s). The loan file does not contain asset documentation to sufficiently meet the required reserves. 6 months reserves or ($XXXX) is required per guidelines. 10% of cash-out proceeds can be used towards reserves only and the cash back to the borrower was $XXXX. | Document uploaded. | Documentation provided was sufficient. | 2022-08-01 19:24 | Resolved | 3 | 1 | 4 | 1 | ||||
ATL50356 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 436596 | 9 of 9 | 2022-05-04 13:26 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA obtained which supported value. | 2022-09-07 19:03 | Resolved | 3 | 1 | 4 | 1 | |||||
ATL50329 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 429518 | 1 of 6 | 2022-04-29 15:54 | Credit | Missing credit report | The loan file does not contain the Credit Report. | Credit Report uploaded. | Documentation provided was sufficient. | 2022-05-27 14:09 | Resolved | 4 | 1 | 4 | 1 | ||||
ATL50329 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 435702 | 2 of 6 | 2022-05-03 19:34 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-05-03 19:34 | Cleared | 1 | 1 | 4 | 1 | ||||||
ATL50329 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 436965 | 3 of 6 | 2022-05-04 14:43 | Credit | Flood Certificate Missing | The loan file does not contain the Flood Cert. | Flood Cert uploaded. | Documentation provided was sufficient. | 2022-05-20 20:20 | Resolved | 4 | 1 | 4 | 1 | ||||
ATL50329 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 436966 | 4 of 6 | 2022-05-04 14:43 | Credit | Master Policy Expiration Date is Prior To the Transaction Date | Master Policy Expiration Date of XX/XX/XXXX is prior to the transaction date of XX/XX/XXXX. | Master HOI Policy uploaded. | Documentation provided was sufficient. | 2022-05-20 20:20 | Resolved | 3 | 1 | 4 | 1 | ||||
ATL50329 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 437099 | 5 of 6 | 2022-05-04 15:04 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA obtained which supported value. | 2022-09-07 19:03 | Resolved | 3 | 1 | 4 | 1 | |||||
ATL50329 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 437169 | 6 of 6 | 2022-05-04 15:17 | Credit | Purchase Contract - Addendum Missing | The Purchase Contract Addendum is missing. Missing addendum to purchase contract extending closing date from XX/XX/XXXX to XX/XX/XXXX. | Purchase Contract Addendum uploaded. | Documentation provided was sufficient. | 2022-10-26 19:26 | Resolved | 3 | 1 | 4 | 1 | ||||
iw82cfyp | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 448501 | 1 of 3 | 2022-05-10 17:45 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-05-13 22:11 | Cleared | 1 | 1 | 4 | 1 | ||||||
iw82cfyp | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 450489 | 2 of 3 | 2022-05-11 16:40 | Credit | Flood Certificate Missing | Missing flood certificate. | Flood Cert uploaded. | Documentation provided was sufficient. | 2022-05-19 16:40 | Resolved | 4 | 1 | 4 | 1 | ||||
iw82cfyp | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 455377 | 3 of 3 | 2022-05-13 18:38 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA obtained which supported value. | 2022-09-07 19:03 | Resolved | 3 | 1 | 4 | 1 | |||||
iypxzqdm | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 446835 | 1 of 4 | 2022-05-09 20:48 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-05-13 22:11 | Cleared | 1 | 1 | 4 | 1 | ||||||
iypxzqdm | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 452721 | 2 of 4 | 2022-05-12 16:58 | Credit | Flood Certificate Missing | Missing flood certificate. | Flood Cert uploaded. | Documentation provided was sufficient. | 2022-05-20 16:58 | Resolved | 4 | 1 | 4 | 1 | ||||
iypxzqdm | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 453740 | 3 of 4 | 2022-05-12 21:58 | Credit | Program Parameters - Loan Purpose | The subject loan does not meet Program Parameters for loan purpose. The subject transaction does not meet guidelines. Subject transaction is a business purpose cash out transaction however the loan file does not contain the Cash out Letter as required. | Business Purpose Affidavit uploaded. | Documentation provided was sufficient. | 2022-05-23 21:16 | Resolved | 3 | 1 | 4 | 1 | ||||
iypxzqdm | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 455794 | 4 of 4 | 2022-05-13 21:18 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA obtained which supported value. | 2022-09-07 19:03 | Resolved | 3 | 1 | 4 | 1 | |||||
jkxmnwbp | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 443755 | 1 of 3 | 2022-05-06 19:45 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-05-13 22:11 | Cleared | 1 | 1 | 3 | 1 | ||||||
jkxmnwbp | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 452662 | 2 of 3 | 2022-05-12 16:46 | Credit | Flood Insurance Policy Missing | Missing flood insurance policy. | Document uploaded. | Documentation provided was sufficient. | 2022-10-26 18:23 | Resolved | 3 | 1 | 3 | 1 | ||||
jkxmnwbp | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 457316 | 3 of 3 | 2022-05-16 17:15 | Valuation | Value - Value is supported within 10% of original appraisal amount | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. | 2022-05-16 17:15 | Cleared | 1 | 1 | 3 | 1 | ||||||
e2ivc4wr | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 445641 | 1 of 5 | 2022-05-09 16:16 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-05-13 22:11 | Cleared | 1 | 1 | 4 | 2 | ||||||
e2ivc4wr | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 452530 | 2 of 5 | 2022-05-12 15:58 | Credit | Flood Certificate Missing | Missing flood certificate. | Flood Cert uploaded. | Documentation provided was sufficient. | 2022-05-20 00:24 | Resolved | 4 | 1 | 4 | 2 | ||||
e2ivc4wr | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 452570 | 3 of 5 | 2022-05-12 16:14 | Credit | Assets - LOE Missing | The loan file does not contain all required asset documentation. The required letter of explanation was not provided in the loan file. Missing letter of explanation and/or documentation for large deposit on XX/XX/XXXX into XXXX account number #XXXX in amount of $XXXX. | Formal Exception uploaded. | Formal Exception with compensating factors reviewed. | Subject LTV of 70% which is below max of 80%, Qualifying FICO of 704 and borrower has 15 owned and managed properties. | 2022-05-24 16:17 | Waived | 3 | 2 | 4 | 2 | |||
e2ivc4wr | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 452572 | 4 of 5 | 2022-05-12 16:15 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA obtained which supported value. | 2022-09-07 19:03 | Resolved | 3 | 1 | 4 | 2 | |||||
e2ivc4wr | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 452576 | 5 of 5 | 2022-05-12 16:17 | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Per documentation age guidelines, Title Commitments expire after 90 days. Title work Preliminary Title in loan file is effective dated XX/XX/XXXX. Loan file closed XX/XX/XXXX. Missing updated title commitment with effective date within 90 days of Note date. | Formal Exception uploaded. | Formal Exception with compensating factors reviewed. | Subject LTV of 70% which is below max of 80%, Qualifying FICO of 704 and borrower has 15 owned and managed properties. | 2022-05-24 16:17 | Waived | 3 | 2 | 4 | 2 | |||
kgzminjg | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 445191 | 1 of 3 | 2022-05-09 14:37 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-05-13 22:11 | Cleared | 1 | 1 | 4 | 1 | ||||||
kgzminjg | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 453380 | 2 of 3 | 2022-05-12 19:40 | Credit | Flood Certificate Missing | Missing flood certificate. | Flood Cert uploaded. | Documentation provided was sufficient. | 2022-05-20 19:40 | Resolved | 4 | 1 | 4 | 1 | ||||
kgzminjg | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 453433 | 3 of 3 | 2022-05-12 19:53 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA obtained which supported value. | 2022-09-07 19:03 | Resolved | 3 | 1 | 4 | 1 | |||||
7ufngtzi | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 445012 | 1 of 4 | 2022-05-09 14:03 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-05-13 22:11 | Cleared | 1 | 1 | 4 | 2 | ||||||
7ufngtzi | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 452741 | 2 of 4 | 2022-05-12 17:03 | Credit | Flood Certificate Missing | Missing flood certificate. | Flood Cert uploaded. | Documentation provided was sufficient. | 2022-05-20 01:20 | Resolved | 4 | 1 | 4 | 2 | ||||
7ufngtzi | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 452773 | 3 of 4 | 2022-05-12 17:09 | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of 4 month(s) are less than Guideline Required Reserves of 6 month(s) | Formal Exception uploaded. | Formal Exception with compensating factors reviewed. | Qualifying FICO of 706 and DSCR of 1.52 which exceeds minimum of 1. | 2022-05-23 01:29 | Waived | 3 | 2 | 4 | 2 | |||
7ufngtzi | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 452823 | 4 of 4 | 2022-05-12 17:25 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA obtained which supported value. | 2022-09-07 19:03 | Resolved | 3 | 1 | 4 | 2 | |||||
z6ccauwk | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 444844 | 1 of 4 | 2022-05-09 13:25 | Compliance | Missing Doc - Final TIL/Missing | Rescindable Transaction. The Final TIL is missing from the file. | Exception has been voided. | 2022-05-23 13:25 | Void | 1 | 1 | 4 | 1 | |||||
z6ccauwk | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 452039 | 2 of 4 | 2022-05-12 13:52 | Credit | Flood Certificate Missing | Missing flood certificate. | Flood Cert uploaded. | Documentation provided was sufficient. | 2022-05-20 14:25 | Resolved | 4 | 1 | 4 | 1 | ||||
z6ccauwk | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 452106 | 3 of 4 | 2022-05-12 14:14 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA obtained which supported value. | 2022-09-07 19:03 | Resolved | 3 | 1 | 4 | 1 | |||||
z6ccauwk | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 457428 | 4 of 4 | 2022-05-16 18:01 | Credit | Program Parameters - Loan Purpose | The subject loan does not meet Program Parameters for loan purpose. The subject transaction does not meet guidelines. Subject transaction is a business purpose cash out transaction however the loan file does not contain the Cash out Letter as required. | Business Purpose Affidavit uploaded. | Documentation provided was sufficient. | 2022-05-20 18:01 | Resolved | 3 | 1 | 4 | 1 | ||||
84fxdgeb | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 440818 | 1 of 3 | 2022-05-05 19:27 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-05-13 22:11 | Cleared | 1 | 1 | 4 | 1 | ||||||
84fxdgeb | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 452762 | 2 of 3 | 2022-05-12 17:06 | Credit | Flood Certificate Missing | Missing flood certificate. | Flood Cert uploaded. | Documentation provided was sufficient. | 2022-05-20 17:06 | Resolved | 4 | 1 | 4 | 1 | ||||
84fxdgeb | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 452821 | 3 of 3 | 2022-05-12 17:24 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA obtained which supported value. | 2022-09-07 19:03 | Resolved | 3 | 1 | 4 | 1 | |||||
rgg3yzpz | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 447094 | 1 of 5 | 2022-05-09 23:51 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-05-13 22:11 | Cleared | 1 | 1 | 4 | 2 | ||||||
rgg3yzpz | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 452670 | 2 of 5 | 2022-05-12 16:48 | Credit | Flood Certificate Missing | Missing flood certificate. | Flood Cert uploaded. | Documentation provided was sufficient. | 2022-05-20 16:48 | Resolved | 4 | 1 | 4 | 2 | ||||
rgg3yzpz | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 452820 | 3 of 5 | 2022-05-12 17:23 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA obtained which supported value. | 2022-09-07 19:03 | Resolved | 3 | 1 | 4 | 2 | |||||
rgg3yzpz | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 455071 | 4 of 5 | 2022-05-13 17:18 | Credit | Purchase Contract - Missing | The loan file did not contain the Purchase Contract as required. | Purchase Contract uploaded. | Documentation provided was sufficient. | 2022-05-23 17:18 | Resolved | 3 | 1 | 4 | 2 | ||||
rgg3yzpz | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 455879 | 5 of 5 | 2022-05-13 22:57 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification does not meet guideline requirements Missing updated bank statements for XXXX account ending in #XXXX. | Formal Exception uploaded. | Formal Exception with compensating factors reviewed. | Subject LTV of 71.33% which is below maximum of 85%, qualifying FICO is 34 points over minimum, borrower has good experience of 2 properties within the last 24 months that points to an investor in the industry and verified assets of $XXXX which exceeds required of $XXXX. | 2022-05-23 22:57 | Waived | 3 | 2 | 4 | 2 | |||
v3pdyyj2 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 447101 | 1 of 3 | 2022-05-10 00:00 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-05-13 22:11 | Cleared | 1 | 1 | 4 | 1 | ||||||
v3pdyyj2 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 453623 | 2 of 3 | 2022-05-12 21:03 | Credit | Flood Certificate Missing | Missing flood certificate. | Flood Cert uploaded. | Documentation provided was sufficient. | 2022-05-20 21:03 | Resolved | 4 | 1 | 4 | 1 | ||||
v3pdyyj2 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 453739 | 3 of 3 | 2022-05-12 21:57 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA obtained which supported value. | 2022-09-07 19:03 | Resolved | 3 | 1 | 4 | 1 | |||||
7413364 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 440882 | 1 of 8 | 2022-05-05 19:46 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-05-13 22:11 | Cleared | 1 | 1 | 4 | 2 | ||||||
7413364 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 452802 | 2 of 8 | 2022-05-12 17:21 | Credit | Flood Certificate Missing | Missing flood certificate. | Flood Cert uploaded. | Documentation provided was sufficient. | 2022-05-20 16:32 | Resolved | 4 | 1 | 4 | 2 | ||||
7413364 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 452860 | 3 of 8 | 2022-05-12 17:36 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of 80% exceeds Guideline LTV of 75%. Guideline states max 75% if loan amount is less than $XXXX. No exception in file. | Exception has been voided. | 2022-05-23 16:55 | Void | 1 | 1 | 4 | 2 | |||||
7413364 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 452861 | 4 of 8 | 2022-05-12 17:36 | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Missing required assets to cover 6 month reserves. As per investor guidelines, Business accounts can only use 50% of business assets. Calculated reserves required is $XXXX and at 50% of deposits the assets available is $XXXX. | 6 months reserves or $XXXX is required however only 4.4 months or $XXXX was verified. Compensating Factors reviewed. | Qualifying FICO of 701, low AIV ratio of 71.54%, DSCR of 1.73 which exceeds requirement of 1 and history of property management experience on properties in the past for 6 years and 5 years. | 2022-10-26 17:02 | Waived | 3 | 2 | 4 | 2 | ||||
7413364 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 452919 | 5 of 8 | 2022-05-12 17:48 | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Missing required 2 year investor experience for properties that will be self managed. Lease confirms no 3rd party management company. | Formal Exception uploaded. | Formal Exception with compensating factors reviewed. | Qualifying FICO of 701, low AIV ratio of 71.54%, DSCR of 1.73 which exceeds requirement of 1 and history of property management experience on properties in the past for 6 years and 5 years. | 2022-05-23 16:02 | Waived | 3 | 2 | 4 | 2 | |||
7413364 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 452921 | 6 of 8 | 2022-05-12 17:48 | Credit | Purchase Contract - Missing | The loan file did not contain the Purchase Contract as required. | Purchase Contract uploaded. | Documentation provided was sufficient. | 2022-05-27 17:49 | Resolved | 3 | 1 | 4 | 2 | ||||
7413364 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 452952 | 7 of 8 | 2022-05-12 17:51 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA obtained which supported value. | 2022-09-07 19:03 | Resolved | 3 | 1 | 4 | 2 | |||||
7413364 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 455041 | 8 of 8 | 2022-05-13 17:08 | Credit | Borrower 1 Business Bank Statements Missing | Missing XXXX 2022 Business Bank Statement ending in *XXXX. Per Guidelines most recent 3 months Bank Statements required when using Business Funds. | Formal Exception uploaded. | Formal Exception with compensating factors reviewed. | Qualifying FICO of 701, low AIV ratio of 71.54%, DSCR of 1.73 which exceeds requirement of 1 and history of property management experience on properties in the past for 6 years and 5 years. | 2022-05-24 19:51 | Waived | 3 | 2 | 4 | 2 | |||
10003148 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 442833 | 1 of 3 | 2022-05-06 16:52 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-05-13 22:11 | Cleared | 1 | 1 | 3 | 1 | ||||||
10003148 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 453523 | 2 of 3 | 2022-05-12 20:30 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA obtained which supported value. | 2022-09-07 19:03 | Resolved | 3 | 1 | 3 | 1 | |||||
10003148 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 453770 | 3 of 3 | 2022-05-12 22:45 | Credit | Program Parameters - Loan Purpose | The subject loan does not meet Program Parameters for loan purpose. The subject transaction does not meet guidelines. Subject transaction is a business purpose cash out transaction however the loan file does not contain the Cash out Letter as required. | Business Purpose Affidavit uploaded. | Documentation provided was sufficient. | 2022-05-23 15:56 | Resolved | 3 | 1 | 3 | 1 | ||||
2390182 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 441851 | 1 of 3 | 2022-05-06 13:47 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-05-13 22:11 | Cleared | 1 | 1 | 4 | 1 | ||||||
2390182 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 453424 | 2 of 3 | 2022-05-12 19:50 | Credit | Flood Certificate Missing | Missing flood certificate. | Flood Certs uploaded. | Documentation provided was sufficient. | 2022-05-20 16:03 | Resolved | 4 | 1 | 4 | 1 | ||||
2390182 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 453459 | 3 of 3 | 2022-05-12 20:05 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA obtained which supported value. | 2022-09-07 19:03 | Resolved | 3 | 1 | 4 | 1 | |||||
1125601 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 452348 | 1 of 3 | 2022-05-12 15:10 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA obtained which supported value. | 2022-09-07 19:03 | Resolved | 3 | 1 | 4 | 1 | |||||
1125601 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 452384 | 2 of 3 | 2022-05-12 15:15 | Credit | Flood Certificate Missing | Missing flood certificate. | Flood Cert uploaded. | Documentation provided was sufficient. | 2022-05-20 15:15 | Resolved | 4 | 1 | 4 | 1 | ||||
1125601 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 452436 | 3 of 3 | 2022-05-12 15:29 | Compliance | Missing Prepayment Rider | Prepayment Rider is missing. | Exception has been voided. | 2022-05-24 19:49 | Void | 1 | 1 | 4 | 1 | |||||
2022-0044 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 452566 | 1 of 4 | 2022-05-12 16:12 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA obtained which supported value. | 2022-09-07 19:03 | Resolved | 3 | 1 | 3 | 2 | |||||
2022-0044 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 452653 | 2 of 4 | 2022-05-12 16:43 | Credit | Purchase Contract - Missing | The loan file did not contain the Purchase Contract as required. | Purchase Contract uploaded. | Documentation provided was sufficient. | 2022-05-12 16:43 | Resolved | 3 | 1 | 3 | 2 | ||||
2022-0044 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 452659 | 3 of 4 | 2022-05-12 16:44 | Compliance | Missing Prepayment Rider | Prepayment Rider is missing. | Exception has been voided. | 2022-05-24 19:50 | Void | 1 | 1 | 3 | 2 | |||||
2022-0044 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 453783 | 4 of 4 | 2022-05-12 23:17 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification does not meet guideline requirements. Investor guidelines indicate that large deposits must be sourced. Borrower has 2 large deposits into XXXX Bank checking account ending in #XXXX on XX/XX/XXXX $XXXX & $XXXX. Deposits were not sufficiently documented and sourced. | Formal exception uploaded. | Formal Exception with compensating factors reviewed. | AIV Ratio 74%, Qualifying FICO of 724, DSCR of 1.4, and borrower's experience with 6 total project and 3 within the last 24 months. | 2022-05-29 15:22 | Waived | 3 | 2 | 3 | 2 | |||
LQ3430 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 444681 | 1 of 5 | 2022-05-09 12:46 | Compliance | Missing Doc - Final TIL/Missing | Rescindable Transaction. The Final TIL is missing from the file. | Exception has been voided. | 2022-08-01 12:46 | Void | 1 | 1 | 4 | 2 | |||||
LQ3430 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 453052 | 2 of 5 | 2022-05-12 18:19 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA obtained which supported value. | 2022-09-07 19:03 | Resolved | 3 | 1 | 4 | 2 | |||||
LQ3430 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 453069 | 3 of 5 | 2022-05-12 18:23 | Valuation | Appraisal is Expired | Primary value appraisal is expired. | Please consider an exception to be granted on this finding. The appraisal was performed XX/XX/XXXX (date of site visit) and the loan closed XX/XX/XXXX. Although in excess of 120 days, the actual time elapsed is 122 days but the date signed was XX/XX/XXXX which is the more appropriate date to use as that is when the appraiser validated the findings and that date would be under the 120 days. | Compensating Factors reviewed. | Verified 93 months reserves, DSCR of 1.42 and LTV of 70%. | 2022-10-26 12:56 | Waived | 3 | 2 | 4 | 2 | |||
LQ3430 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 453092 | 4 of 5 | 2022-05-12 18:29 | Credit | Flood Certificate Missing | Missing flood certificate. | Flood Cert uploaded. | Documentation provided was sufficient. | 2022-05-20 18:29 | Resolved | 4 | 1 | 4 | 2 | ||||
LQ3430 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 453832 | 5 of 5 | 2022-05-13 02:26 | Credit | Program Parameters - Loan Purpose | The subject loan does not meet Program Parameters for loan purpose. The subject transaction does not meet guidelines. Subject transaction is a business purpose cash out transaction however the loan file does not contain the Cash out Letter as required. | Business Affidavit uploaded. | Documentation provided was sufficient. | 2022-05-20 12:53 | Resolved | 3 | 1 | 4 | 2 | ||||
1125599 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 444633 | 1 of 4 | 2022-05-09 12:33 | Compliance | Missing Doc - Final TIL/Missing | Rescindable Transaction. The Final TIL is missing from the file. | Exception has been voided. | 2022-05-23 12:33 | Void | 1 | 1 | 4 | 1 | |||||
1125599 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 453597 | 2 of 4 | 2022-05-12 20:55 | Credit | Flood Certificate Missing | Missing flood certificate. | Flood Cert uploaded. | Documentation provided was sufficient. | 2022-05-20 20:55 | Resolved | 4 | 1 | 4 | 1 | ||||
1125599 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 453752 | 3 of 4 | 2022-05-12 22:11 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA obtained which supported value. | 2022-09-07 19:03 | Resolved | 3 | 1 | 4 | 1 | |||||
1125599 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 453821 | 4 of 4 | 2022-05-13 01:57 | Credit | Program Parameters - Loan Purpose | The subject loan does not meet Program Parameters for loan purpose. The subject transaction does not meet guidelines. Subject transaction is a business purpose cash out transaction however the loan file does not contain the Cash out Letter as required. | Business Purpose Affidavit uploaded. | Documentation provided was sufficient. | 2022-05-20 12:51 | Resolved | 3 | 1 | 4 | 1 | ||||
107416 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 442456 | 1 of 6 | 2022-05-06 15:32 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-05-13 22:11 | Cleared | 1 | 1 | 4 | 2 | ||||||
107416 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 453019 | 2 of 6 | 2022-05-12 18:13 | Valuation | Appraisal is Expired | Primary value appraisal is expired. | Updated appraisals uploaded. | Documentation provided was sufficient. | 2022-05-24 18:33 | Resolved | 3 | 1 | 4 | 2 | ||||
107416 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 453051 | 3 of 6 | 2022-05-12 18:18 | Credit | Flood Certificate Missing | Missing flood certificate. | Flood Certs uploaded. | Documentation provided was sufficient. | 2022-05-20 20:16 | Resolved | 4 | 1 | 4 | 2 | ||||
107416 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 453148 | 4 of 6 | 2022-05-12 18:41 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA obtained which supported value. | 2022-09-07 19:03 | Resolved | 3 | 1 | 4 | 2 | |||||
107416 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 455638 | 5 of 6 | 2022-05-13 19:58 | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Per XXXX Investor Loan Program Guidelines, effective XX/XX, the minimum DSCR required is 1.0. For refinance transactions, if the property is leased at the time of Origination, gross rents will be used to calculate Debt Service Coverage Ratio (DSCR) per guidelines. Per the leases provided, the total rental income is $XXXX. The PITIA of the subject property is $XXXX. The DSCR for the subject property is 0.93, which is outside of the guidelines. | Formal Exception uploaded. | Formal Exception with compensating factors reviewed. | Qualifying FICO of 730 which exceeds minimum of 700, subject LTV of 75% which is below maximum of 80%. | 2022-05-23 20:31 | Waived | 3 | 2 | 4 | 2 | |||
107416 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 457367 | 6 of 6 | 2022-05-16 17:34 | Credit | Program Parameters - Loan Purpose | The subject loan does not meet Program Parameters for loan purpose. The subject transaction does not meet guidelines. Subject transaction is a business purpose cash out transaction however the loan file does not contain the Cash out Letter as required. | Business Purpose Affidavit uploaded. | Documentation provided was sufficient. | 2022-05-20 17:34 | Resolved | 3 | 1 | 4 | 2 | ||||
RC30R97 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 445279 | 1 of 4 | 2022-05-09 14:59 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-05-13 22:11 | Cleared | 1 | 1 | 4 | 1 | ||||||
RC30R97 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 453279 | 2 of 4 | 2022-05-12 19:16 | Credit | Flood Certificate Missing | Missing flood certificate. | Flood Cert uploaded. | Documentation provided was sufficient. | 2022-05-20 23:54 | Resolved | 4 | 1 | 4 | 1 | ||||
RC30R97 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 453336 | 3 of 4 | 2022-05-12 19:28 | Valuation | Appraisal - Incomplete/Signature | The Appraisal Signature section is incomplete. The following data is missing: Missing appraiser signature. | Updated appraisal uploaded. | Documentation provided was sufficient. | 2022-05-12 19:28 | Resolved | 3 | 1 | 4 | 1 | ||||
RC30R97 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 453337 | 4 of 4 | 2022-05-12 19:28 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA obtained which supported value. | 2022-09-07 19:03 | Resolved | 3 | 1 | 4 | 1 | |||||
39wkgijp | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 453502 | 1 of 3 | 2022-05-12 20:19 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA obtained which supported value. | 2022-09-07 19:03 | Resolved | 3 | 1 | 3 | 1 | |||||
39wkgijp | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 453518 | 2 of 3 | 2022-05-12 20:27 | Compliance | Condo Rider is Missing | Condo Rider is missing. | Condor Rider uploaded. | Documentation provided was sufficient. | 2022-09-02 20:27 | Resolved | 3 | 1 | 3 | 1 | ||||
39wkgijp | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 457310 | 3 of 3 | 2022-05-16 17:14 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | 2022-05-16 17:14 | Cleared | 1 | 1 | 3 | 1 | ||||||
dcit6vjy | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 445541 | 1 of 5 | 2022-05-09 15:56 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-05-13 22:11 | Cleared | 1 | 1 | 4 | 1 | ||||||
dcit6vjy | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 452590 | 2 of 5 | 2022-05-12 16:23 | Credit | Flood Certificate Missing | Missing flood certificate. | Flood Certs uploaded. | Documentation provided was sufficient. | 2022-05-20 11:41 | Resolved | 4 | 1 | 4 | 1 | ||||
dcit6vjy | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 453771 | 3 of 5 | 2022-05-12 22:45 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA obtained which supported value. | 2022-09-07 19:03 | Resolved | 3 | 1 | 4 | 1 | |||||
dcit6vjy | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 454989 | 4 of 5 | 2022-05-13 16:47 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of 76.01% exceeds Guideline LTV of 75%. No exception in file. | Exception has been voided. | 2022-05-23 17:22 | Void | 1 | 1 | 4 | 1 | |||||
dcit6vjy | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 455042 | 5 of 5 | 2022-05-13 17:08 | Credit | Title Coverage is Less than Subject Lien(s) Total | The amount of title insurance verified in the loan file is not sufficient to cover the loan amount. The amount covered is missing from the Title Commitment. | Title Policy uploaded. | Documentation provided was sufficient. | 2022-05-25 18:16 | Resolved | 3 | 1 | 4 | 1 | ||||
vqdmkbnx | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 453491 | 1 of 3 | 2022-05-12 20:15 | Credit | Flood Certificate Missing | Missing flood certificate. | Flood Cert uploaded. | Documentation provided was sufficient. | 2022-05-20 20:15 | Resolved | 4 | 1 | 4 | 1 | ||||
vqdmkbnx | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 453525 | 2 of 3 | 2022-05-12 20:32 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA obtained which supported value. | 2022-10-28 20:32 | Resolved | 3 | 1 | 4 | 1 | |||||
vqdmkbnx | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 457317 | 3 of 3 | 2022-05-16 17:15 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-05-16 17:15 | Cleared | 1 | 1 | 4 | 1 | ||||||
n2emvjaq | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 449560 | 1 of 5 | 2022-05-11 11:45 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-05-13 22:11 | Cleared | 1 | 1 | 4 | 1 | ||||||
n2emvjaq | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 452726 | 2 of 5 | 2022-05-12 17:00 | Credit | Asset 2 Does Not Meet Guideline Requirements | Per Investor Loan asset guidelines, 3 months business bank statements are required to use as qualifying assets. The loan file does not contain the December 2021 statement for XXXX Bank with account ending #XXXX. | Assets uploaded. | Documentation provided was sufficient. | 2022-08-01 19:45 | Resolved | 3 | 1 | 4 | 1 | ||||
n2emvjaq | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 452774 | 3 of 5 | 2022-05-12 17:10 | Credit | Flood Certificate Missing | Missing flood certificate. | Flood Cert uploaded. | Documentation provided was sufficient. | 2022-05-20 14:40 | Resolved | 4 | 1 | 4 | 1 | ||||
n2emvjaq | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 452831 | 4 of 5 | 2022-05-12 17:29 | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Per Investor Loan guidelines dated November 2021, Cash-Out refinance guideline requires property must be owner for greather than or equal to 3 months. Chain of title provided shows XXXX and XXXX deeded property to XXXX January 31, 2022. Minimum 3 month ownership requirement not met. | Property Detail History uploaded. | Documentation provided was sufficient. | 2022-05-23 17:29 | Resolved | 3 | 1 | 4 | 1 | ||||
n2emvjaq | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 457777 | 5 of 5 | 2022-05-16 19:45 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA obtained which supported value. | 2022-09-07 19:03 | Resolved | 3 | 1 | 4 | 1 | |||||
1030 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 443592 | 1 of 4 | 2022-05-06 19:21 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-05-13 22:11 | Cleared | 1 | 1 | 4 | 1 | ||||||
1030 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 452188 | 2 of 4 | 2022-05-12 14:33 | Credit | Flood Certificate Missing | Missing flood certificate. | Flood Cert uploaded. | Documentation provided was sufficient. | 2022-05-20 15:19 | Resolved | 4 | 1 | 4 | 1 | ||||
1030 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 452318 | 3 of 4 | 2022-05-12 15:04 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA obtained which supported value. | 2022-09-07 19:03 | Resolved | 3 | 1 | 4 | 1 | |||||
1030 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 452852 | 4 of 4 | 2022-05-12 17:36 | Credit | Asset 1 Does Not Meet Guideline Requirements | Per Investor Loan asset guidelines, 3 months business bank statements are required to use as qualifying assets. The loan file does not contain the November 2021 statement for XXXX Bank with account ending #XXXX. | Bank Statement uploaded. | Documentation provided was sufficient. | 2022-05-20 19:46 | Resolved | 3 | 1 | 4 | 1 | ||||
1.0437E+11 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 443840 | 1 of 4 | 2022-05-06 20:01 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-05-13 22:11 | Cleared | 1 | 1 | 4 | 2 | ||||||
1.0437E+11 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 453153 | 2 of 4 | 2022-05-12 18:42 | Credit | Flood Certificate Missing | Missing flood certificate. | Flood Cert uploaded. | Documentation provided was sufficient. | 2022-05-20 13:15 | Resolved | 4 | 1 | 4 | 2 | ||||
1.0437E+11 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 453223 | 3 of 4 | 2022-05-12 19:04 | Valuation | Value - Value is supported within 10% of original appraisal amount | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. | 2022-05-12 19:04 | Cleared | 1 | 1 | 4 | 2 | ||||||
1.0437E+11 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 454734 | 4 of 4 | 2022-05-13 15:34 | Credit | Asset 1 Missing | Asset 1 missing. Please provide 2 months of bank history for XXXX account ending in #XXXX. | Formal Exception uploaded. | Formal Exception with compensating factors reviewed. | Subject LTV of 60.10% which is below maximum of 80%, Qualifying FICO of 690 and borrower has good experience with 2 projects in past 24 months. | 2022-05-25 15:34 | Waived | 3 | 2 | 4 | 2 | |||
FF10 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 462493 | 1 of 7 | 2022-05-18 17:23 | Compliance | PUD Rider is Missing | PUD Rider is missing. | No PUD Rider- In the DofT- 1.7 “Impositions.” All real estate and personal property taxes, water, gas, sewer, electricity, and other utility rates and charges; charges imposed under any subdivision, planned unit development, or condominium declaration or restrictions; charges for any easement, license, or agreement maintained for the benefit of the Mortgaged Property, and all other taxes, charges, and assessments and any interest, costs, or penalties of any kind and nature that at any time before or after the execution of this Security Instrument may be assessed, levied, or imposed on the Mortgaged Property or on its ownership, use, occupancy, or enjoyment. | PUD Rider is required. Compensating Factors reviewed. | Qualifying FICO of 715, DSCR of 1.30 and extensive mortgage history with no late payments. | 2022-07-08 17:23 | Waived | 3 | 2 | 4 | 2 | |||
FF10 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 462524 | 2 of 7 | 2022-05-18 17:34 | Credit | Approval/Underwriting Summary Not Provided | The loan file is missing the approval/1008/loan term sheet. | Document uploaded. | Documentation provided was sufficient. | 2022-07-08 21:29 | Resolved | 2 | 1 | 4 | 2 | ||||
FF10 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 462564 | 3 of 7 | 2022-05-18 17:42 | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. As per guidelines, eligible loan product types include Fixed Rate 15 and 20 year, Adjustable Rate 5/1, 7/1 & 10/1, 10-year Interest-Only Period followed by 20-year amortization. Loan Note indicates subject loan is 5 year Interst-Only period with 25-year amortization. | Investor approved with compensating factors. | Compensating Factors reviewed. | Qualifying FICO of 715 and DSCR of 1.30. | 2022-07-08 19:45 | Waived | 3 | 2 | 4 | 2 | |||
FF10 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 462565 | 4 of 7 | 2022-05-18 17:42 | Credit | Purchase Contract - Missing | The loan file did not contain the Purchase Contract as required. | Document uploaded. | Documentation provided was sufficient. | 2022-07-08 17:42 | Resolved | 3 | 1 | 4 | 2 | ||||
FF10 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 462570 | 5 of 7 | 2022-05-18 17:47 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification does not meet guideline requirements. As per guidelines, use of Business Funds for closing costs and reserves required Cash flow analysis using most recent three months business bank statements to determine no negative impact to the business. Asset statements provided are dated 2/28/2022 for Trust account numbers ending #XXXX and #XXXX and partial account history from 2/28/2022-3/16/2022 for account ending #XXXX. Missing two additional months to meet requirement of three business bank statements when using business assets for closing costs and reserves. | If a person is vesting as an entity (LLC) and conducts business as a single member LLC and uses a business account as their main bank account, why would you penalize them for using that account to fund their purchase? Why would give personal account have more weight than their business account? | Reviewed per XXXX guidelines which require full asset statements. Compensating Factors reviewed. | Qualifying FICO of 715, DSCR of 1.30 and extensive mortgage history with no late payments. | 2022-07-08 17:47 | Waived | 3 | 2 | 4 | 2 | |||
FF10 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 462584 | 6 of 7 | 2022-05-18 17:49 | Compliance | Missing HUD-1 Closing Statement | Missing final settlement statement as required to confirm sufficient assets for closing and reserves based on guideline requirements. | Document uploaded. | Documentation provided was sufficient. | 2022-07-08 17:49 | Resolved | 4 | 1 | 4 | 2 | ||||
FF10 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 463098 | 7 of 7 | 2022-05-18 21:27 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA obtained which supported value. | 2022-09-07 19:03 | Resolved | 3 | 1 | 4 | 2 | |||||
121845 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 471978 | 1 of 4 | 2022-05-25 17:46 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-05-25 17:46 | Cleared | 1 | 1 | 3 | 2 | ||||||
121845 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 472570 | 2 of 4 | 2022-05-25 20:21 | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary | Document uploaded. | Documentation provided was sufficient. | 2022-10-26 16:40 | Resolved | 2 | 2 | 3 | 2 | ||||
121845 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 473382 | 3 of 4 | 2022-05-26 16:10 | Valuation | Value - Value is supported within 10% of original appraisal amount | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. | 2022-06-01 16:57 | Cleared | 1 | 1 | 3 | 2 | ||||||
121845 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 473396 | 4 of 4 | 2022-05-26 16:17 | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Per XXXX Investor Loan Program Guidelines, effective XX/XXXX, vacant properties are not allowed on cash out refinances. The maximum cash out is $XXXX. The cash out to the borrower in the subject transaction was $XXXX which is outside of guidelines. No formal exception in file. | Investor accepts with compensating factors. | Verified 26 months reserves, Qualifying FICO 741, and DSCR of 1.55. | 2022-08-01 16:17 | Waived | 3 | 2 | 3 | 2 | ||||
121834 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 472540 | 1 of 3 | 2022-05-25 20:01 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-05-25 20:01 | Cleared | 1 | 1 | 1 | 1 | ||||||
121834 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 473661 | 2 of 3 | 2022-05-26 17:51 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | 2022-05-26 17:51 | Cleared | 1 | 1 | 1 | 1 | ||||||
121834 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 473662 | 3 of 3 | 2022-05-26 17:51 | Valuation | Value - Value is supported within 10% of original appraisal amount | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. | 2022-05-26 17:51 | Cleared | 1 | 1 | 1 | 1 | ||||||
122339 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 471088 | 1 of 3 | 2022-05-25 13:08 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-05-25 18:44 | Cleared | 1 | 1 | 1 | 1 | ||||||
122339 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 479750 | 2 of 3 | 2022-06-01 17:32 | Valuation | Value - Value is supported within 10% of original appraisal amount | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. | 2022-06-01 17:32 | Cleared | 1 | 1 | 1 | 1 | ||||||
122339 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 481808 | 3 of 3 | 2022-06-02 16:23 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | 2022-06-02 16:23 | Cleared | 1 | 1 | 1 | 1 | ||||||
121908 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 472611 | 1 of 4 | 2022-05-25 20:48 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-05-25 20:48 | Cleared | 1 | 1 | 3 | 1 | ||||||
121908 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 477794 | 2 of 4 | 2022-05-31 21:03 | Valuation | Value - Value is supported within 10% of original appraisal amount | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. | 2022-05-31 21:03 | Cleared | 1 | 1 | 3 | 1 | ||||||
121908 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 478961 | 3 of 4 | 2022-06-01 14:31 | Credit | Asset 1 Does Not Meet Guideline Requirements | Asset Record 1 Does Not Meet G/L Requirements. Per XX Investor Loan Program Guidelines effective 11/2021, the borrower must be 100% owner of the business when using business funds. The Note only reflects 1 borrower, XXXX. Per the Operating agreement, there are 2 members, each owning 50% of the business. Our borrower does not own 100% of the business, so business funds can't be used. There are no further assets statements in the file, so the borrower does not show sufficient cash to close or reserves. There no exception in the file. | Certification of Members cited for language allowing 1 borrower to sign for the LLC. | Documentation was sufficient. | 2022-06-01 17:38 | Resolved | 3 | 1 | 3 | 1 | ||||
121908 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 479007 | 4 of 4 | 2022-06-01 14:35 | Credit | Assets - Earnest Money Deposit | The earnest money deposit was not properly documented and/or sourced. The purchase agreement, the borrower's earnest money deposit was to be wired in the amount of $XXXX. The proof of the wire is not located in the file. | Document uploaded. | Documentation was sufficient. | 2022-10-26 17:38 | Resolved | 2 | 1 | 3 | 1 | ||||
7000005 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 472983 | 1 of 3 | 2022-05-26 12:17 | Credit | Third Party Fraud Report not Provided | Missing third party fraud report. | Fraud Report uploaded. | Documentation provided was sufficient. | 2022-06-07 18:00 | Resolved | 3 | 1 | 3 | 1 | ||||
7000005 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 473091 | 2 of 3 | 2022-05-26 13:23 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-05-26 16:01 | Cleared | 1 | 1 | 3 | 1 | ||||||
7000005 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 474662 | 3 of 3 | 2022-05-27 14:46 | Valuation | Value - Value is supported within 10% of original appraisal amount | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. | 2022-05-27 14:46 | Cleared | 1 | 1 | 3 | 1 | ||||||
7000006 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 474556 | 1 of 3 | 2022-05-27 14:15 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-05-27 14:15 | Cleared | 1 | 1 | 3 | 1 | ||||||
7000006 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 475975 | 2 of 3 | 2022-05-27 21:19 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | 2022-05-31 14:22 | Cleared | 1 | 1 | 3 | 1 | ||||||
7000006 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 478503 | 3 of 3 | 2022-06-01 12:55 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | XXXX does not have, please order. | CDA obtained which supported value. | 2022-09-07 14:21 | Resolved | 3 | 1 | 3 | 1 | ||||
7000007 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 473063 | 1 of 3 | 2022-05-26 13:03 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-05-26 13:48 | Cleared | 1 | 1 | 1 | 1 | ||||||
7000007 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 473513 | 2 of 3 | 2022-05-26 16:57 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | 2022-05-26 16:57 | Cleared | 1 | 1 | 1 | 1 | ||||||
7000007 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 473515 | 3 of 3 | 2022-05-26 16:58 | Valuation | Value - Value is supported within 10% of original appraisal amount | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. | 2022-05-26 16:58 | Cleared | 1 | 1 | 1 | 1 | ||||||
7000008 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 472318 | 1 of 3 | 2022-05-25 19:05 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-06-03 15:16 | Cleared | 1 | 1 | 3 | 2 | ||||||
7000008 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 473303 | 2 of 3 | 2022-05-26 15:29 | Credit | Assets - Large Deposits | The loan file does not contain all required asset documentation. Asset statements in file verified a large deposit which has been removed from qualifying assets as the loan file did not contain the required explanation and supporting documentation to source the large deposit. The file contains 2 months bank statements for the business account with XXXX #XXXX. The balance as of XX/XX/XXXX was $XXXX. The balance as of XX/XX/XXXX was $XXXX. There was a $XXXX deposit from an unknown source on XX/XX/XXXX. The guidelines state that large deposits must be verified if using for down payment, reserves or closing costs. | Investor accepts with compensating factors. | Verified 69 months reserves, Qualifying FICO of 751 and LTV of 70%. | 2022-08-01 15:16 | Waived | 3 | 2 | 3 | 2 | ||||
7000008 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 473312 | 3 of 3 | 2022-05-26 15:34 | Valuation | Value - Value is supported within 10% of original appraisal amount | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. | 2022-05-26 15:34 | Cleared | 1 | 1 | 3 | 2 | ||||||
7000009 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 471101 | 1 of 3 | 2022-05-25 13:13 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-05-26 12:17 | Cleared | 1 | 1 | 3 | 2 | ||||||
7000009 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 474264 | 2 of 3 | 2022-05-26 23:09 | Credit | Assets - Large Deposits | The loan file does not contain all required asset documentation. Asset statements in file verified a large deposit which has been removed from qualifying assets as the loan file did not contain the required explanation and supporting documentation to source the large deposit. The file contains 2 months bank statements for the business account with XXXX #XXXX. The balance as of XX/XX/XXXX was $XXXX. The balance as of XX/XX/XXXX was $XXXX. There was a $XXXX deposit from an unknown source on XX/XX/XXXX. The guidelines state that large deposits must be verified if using for down payment, reserves or closing costs. | Investor accepts with compensating factors. | Verified 328 months reserves, Qualifying FICO of 751 and LTV of 70%. | 2022-08-01 15:27 | Waived | 3 | 2 | 3 | 2 | ||||
7000009 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 474266 | 3 of 3 | 2022-05-26 23:10 | Valuation | Value - Value is supported within 10% of original appraisal amount | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. | 2022-05-26 23:10 | Cleared | 1 | 1 | 3 | 2 | ||||||
7000011 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 473261 | 1 of 3 | 2022-05-26 14:58 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-05-26 14:58 | Cleared | 1 | 1 | 1 | 1 | ||||||
7000011 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 473985 | 2 of 3 | 2022-05-26 19:44 | Valuation | Value - Value is supported within 10% of original appraisal amount | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. | 2022-05-26 20:06 | Cleared | 1 | 1 | 1 | 1 | ||||||
7000011 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 474690 | 3 of 3 | 2022-05-27 14:54 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | 2022-05-27 14:54 | Cleared | 1 | 1 | 1 | 1 | ||||||
7000012 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 471783 | 1 of 3 | 2022-05-25 17:05 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-05-26 15:36 | Cleared | 1 | 1 | 1 | 1 | ||||||
7000012 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 473990 | 2 of 3 | 2022-05-26 19:50 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | 2022-05-26 19:50 | Cleared | 1 | 1 | 1 | 1 | ||||||
7000012 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 474006 | 3 of 3 | 2022-05-26 19:54 | Valuation | Value - Value is supported within 10% of original appraisal amount | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. | 2022-05-26 20:37 | Cleared | 1 | 1 | 1 | 1 | ||||||
72879 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 480359 | 1 of 7 | 2022-06-01 19:40 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-06-07 19:20 | Cleared | 1 | 1 | 3 | 1 | ||||||
72879 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 484926 | 2 of 7 | 2022-06-03 18:04 | Credit | Term and Amortization Term do not match | Subject note reflects a XX year I/O and XX year amortization for a total of a XXX month term. Per the Note, the period from the first payment to maturity date of XX/XX/XXXX is equal to XXX months. | Updated Note uploaded. | Documentation provided was sufficient. | 2022-09-02 19:19 | Resolved | 3 | 1 | 3 | 1 | ||||
72879 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 486732 | 3 of 7 | 2022-06-06 16:50 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | BPO obtained which supported value. | 2022-06-07 18:08 | Resolved | 3 | 1 | 3 | 1 | |||||
72879 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 488366 | 4 of 7 | 2022-06-07 13:12 | Credit | Evidence of Property Tax Missing | Missing evidence of property tax | Property Taxes on Prelim Title. | Documentation provided was sufficient. | 2022-07-21 15:04 | Resolved | 3 | 1 | 3 | 1 | ||||
72879 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 488418 | 5 of 7 | 2022-06-07 13:25 | Valuation | Missing Doc - Updated Completion Report (442/1004D) Missing | The loan file did not contain the updated completion report (442/1004D) as required. | Full Appraisals uploaded. | Documentation provided was sufficient. | 2022-07-21 13:25 | Resolved | 3 | 1 | 3 | 1 | ||||
72879 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 488795 | 6 of 7 | 2022-06-07 14:32 | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary | Loan Approval uploaded. | Documentation provided was sufficient. | 2022-07-21 14:56 | Resolved | 2 | 1 | 3 | 1 | ||||
72879 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 489959 | 7 of 7 | 2022-06-07 18:32 | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Guidelines required overall project costs and/or construction budget to be included in file. Unable to calculate required reserves. | Exception has been voided. | 2022-07-21 18:51 | Void | 1 | 1 | 3 | 1 | |||||
72880 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 479400 | 1 of 6 | 2022-06-01 16:13 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-06-07 19:26 | Cleared | 1 | 1 | 3 | 1 | ||||||
72880 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 482584 | 2 of 6 | 2022-06-02 19:53 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | BPO obtained which supported value. | 2022-06-07 18:36 | Resolved | 3 | 1 | 3 | 1 | |||||
72880 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 484861 | 3 of 6 | 2022-06-03 17:50 | Credit | Term and Amortization Term do not match | Subject note reflects a XX year I/O and XX year amortization for a total of a XXX month term. Per the Note, the period from the first payment to maturity date of XX/XX/XXXX is equal to XXX months. | Updated Note uploaded. | Documentation provided was sufficient. | 2022-09-02 19:11 | Resolved | 3 | 1 | 3 | 1 | ||||
72880 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 486323 | 4 of 6 | 2022-06-06 14:26 | Credit | Evidence of Property Tax Missing | Missing evidence of property tax | Taxes verified on Prelim Title. | Documentation provided was sufficient. | 2022-07-21 15:03 | Resolved | 3 | 1 | 3 | 1 | ||||
72880 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 488838 | 5 of 6 | 2022-06-07 14:40 | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary | Loan Approval uploaded. | Documentation provided was sufficient. | 2022-07-21 14:50 | Resolved | 2 | 1 | 3 | 1 | ||||
72880 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 490051 | 6 of 6 | 2022-06-07 18:51 | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Guidelines required overall project costs and/or construction budget to be included in file. Unable to calculate required reserves. | Exception has been voided. | 2022-07-21 18:51 | Void | 1 | 1 | 3 | 1 | |||||
72877 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 479543 | 1 of 5 | 2022-06-01 16:53 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-06-07 19:22 | Cleared | 1 | 1 | 3 | 3 | ||||||
72877 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 481216 | 2 of 5 | 2022-06-02 13:50 | Credit | Hazard Insurance Policy is Partial | Annual Premium is missing from the Hazard Insurance Policy. | HOI Policy uploaded. | Documentation provided was sufficient. | 2022-07-21 11:04 | Resolved | 3 | 1 | 3 | 3 | ||||
72877 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 481571 | 3 of 5 | 2022-06-02 15:21 | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary | Loan Approval uploaded. | Documentation provided was sufficient. | 2022-07-21 14:50 | Resolved | 2 | 1 | 3 | 3 | ||||
72877 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 481606 | 4 of 5 | 2022-06-02 15:32 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA obtained which did not support value and returned an indeterminate value. BPO obtained which did not support value within 10%. | 2022-11-22 18:39 | Upheld | 3 | 3 | 3 | 3 | |||||
72877 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 490027 | 5 of 5 | 2022-06-07 18:48 | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Guidelines required overall project costs and/or construction budget to be included in file. Unable to calculate required reserves. | Exception has been voided. | 2022-07-21 18:48 | Void | 1 | 1 | 3 | 3 | |||||
FF12 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 486262 | 1 of 4 | 2022-06-06 14:01 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-06-08 19:32 | Cleared | 1 | 1 | 3 | 1 | ||||||
FF12 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 491926 | 2 of 4 | 2022-06-08 17:49 | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. | Document uploaded. | Documentation provided was sufficient. | 2022-07-08 17:49 | Resolved | 2 | 1 | 3 | 1 | ||||
FF12 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 491998 | 3 of 4 | 2022-06-08 18:19 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA obtained which supported value. | 2022-09-07 19:03 | Resolved | 3 | 1 | 3 | 1 | |||||
FF12 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 494036 | 4 of 4 | 2022-06-09 18:50 | Credit | Purchase Contract is Missing | Purchase contract missing. | Document uploaded. | Documentation provided was sufficient. | 2022-07-08 19:57 | Resolved | 3 | 1 | 3 | 1 | ||||
FF15 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 489386 | 1 of 4 | 2022-06-07 16:33 | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. | Document uploaded. | Documentation provided was sufficient. | 2022-07-08 16:33 | Resolved | 2 | 1 | 3 | 1 | ||||
FF15 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 489398 | 2 of 4 | 2022-06-07 16:35 | Compliance | HUD-1 not executed properly | HUD-1 not executed properly. | Document uploaded. | Documentation provided was sufficient. | 2022-07-08 19:32 | Resolved | 3 | 1 | 3 | 1 | ||||
FF15 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 489403 | 3 of 4 | 2022-06-07 16:38 | Credit | Assets - Liquidation for Cash to Close | The loan file does not contain all required asset documentation. Satisfactory documentation was not provided in the loan file verifying the liquidation of stocks, bonds, mutual funds or retirement accounts utilized for required funds to close. Cash to close is $XXXX and Liquid Assets from checking account ending in #XXXX with an available amount of $XXXX is short $XXXX. IRA assets total $XXXXand proof of liquidity is needed or additional asset for the additional funds to close source. | I have included all asset statements we have plus a screenshot of the entire amount due to escrow coming from her account ending in #XXXX. She has more than ample reserves and funds to close. | Documentation provided was sufficient. | 2022-07-08 12:22 | Resolved | 3 | 1 | 3 | 1 | ||||
FF15 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 494054 | 4 of 4 | 2022-06-09 18:58 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA obtained which supported value. | 2022-09-07 19:03 | Resolved | 3 | 1 | 3 | 1 | |||||
FF42 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 490192 | 1 of 4 | 2022-06-07 19:17 | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. | Document uploaded. | Documentation provided was sufficient. | 2022-07-08 19:17 | Resolved | 2 | 1 | 3 | 1 | ||||
FF42 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 490214 | 2 of 4 | 2022-06-07 19:25 | Credit | Purchase Contract - Missing | The loan file did not contain the Purchase Contract as required. | Document uploaded. | Documentation provided was sufficient. | 2022-07-08 19:25 | Resolved | 3 | 1 | 3 | 1 | ||||
FF42 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 490280 | 3 of 4 | 2022-06-07 19:42 | Compliance | Final CD: Loan Amount is missing or is inaccurate | HUD-1 Line 202 Principal amount of new loan(s) $XXXX does not match the Note loan amount of $XXXX | Document uploaded. | Documentation provided was sufficient. | 2022-07-08 19:52 | Resolved | 3 | 1 | 3 | 1 | ||||
FF42 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 494065 | 4 of 4 | 2022-06-09 18:59 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA obtained which supported value. | 2022-09-07 19:03 | Resolved | 3 | 1 | 3 | 1 | |||||
BPP3601282 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 495659 | 1 of 4 | 2022-06-10 16:59 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-06-10 18:16 | Cleared | 1 | 1 | 3 | 2 | ||||||
BPP3601282 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 496406 | 2 of 4 | 2022-06-10 21:24 | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. | Final Term Sheet uploaded. | Documentation provided was sufficient. | 2022-06-14 13:49 | Resolved | 2 | 1 | 3 | 2 | ||||
BPP3601282 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 496407 | 3 of 4 | 2022-06-10 21:24 | Credit | Audited Loan Amount is less than Guideline Maximum Loan Amount | Subject loan amount of $XXXX is less than the guideline minimum of $XXXX. No exception in file. | Compensating Factors reviewed. | Qualifying FICO of 703, verified reserves of 91 months, DSCR of 1.21 and LTV of 60%. | 2022-10-26 22:07 | Waived | 3 | 2 | 3 | 2 | ||||
BPP3601282 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 496422 | 4 of 4 | 2022-06-10 21:37 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA uploaded. | Documentation provided was sufficient. | 2022-07-12 21:37 | Resolved | 3 | 1 | 3 | 2 | ||||
BPP3601195 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 495998 | 1 of 3 | 2022-06-10 18:59 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-06-10 18:59 | Cleared | 1 | 1 | 3 | 1 | ||||||
BPP3601195 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 496550 | 2 of 3 | 2022-06-10 22:42 | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. | Final Term Sheet uploaded. | Documentation provided was sufficient. | 2022-06-14 14:22 | Resolved | 2 | 1 | 3 | 1 | ||||
BPP3601195 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 496553 | 3 of 3 | 2022-06-10 22:48 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA uploaded. | Documentation provided was sufficient. | 2022-07-12 14:32 | Resolved | 3 | 1 | 3 | 1 | ||||
BPP3601082 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 496146 | 1 of 4 | 2022-06-10 19:47 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-06-10 19:47 | Cleared | 1 | 1 | 4 | 1 | ||||||
BPP3601082 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 497171 | 2 of 4 | 2022-06-13 14:35 | Credit | Flood Certificate Missing | Missing Flood Certificate. | Flood Cert uploaded. | Documentation provided was sufficient. | 2022-06-21 16:20 | Resolved | 4 | 1 | 4 | 1 | ||||
BPP3601082 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 497189 | 3 of 4 | 2022-06-13 14:44 | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. | Final Term Sheet uploaded. | Documentation provided was sufficient. | 2022-06-14 16:04 | Resolved | 2 | 1 | 4 | 1 | ||||
BPP3601082 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 497207 | 4 of 4 | 2022-06-13 14:48 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA uploaded. | Documentation provided was sufficient. | 2022-07-12 14:48 | Resolved | 3 | 1 | 4 | 1 | ||||
BPP3601250 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 496201 | 1 of 4 | 2022-06-10 20:03 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-06-10 20:03 | Cleared | 1 | 1 | 3 | 2 | ||||||
BPP3601250 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 496929 | 2 of 4 | 2022-06-13 12:48 | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. | Final Term Sheet uploaded. | Documentation provided was sufficient. | 2022-06-14 16:28 | Resolved | 2 | 1 | 3 | 2 | ||||
BPP3601250 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 496931 | 3 of 4 | 2022-06-13 12:52 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA obtained which supported value. | 2022-09-07 19:03 | Resolved | 3 | 1 | 3 | 2 | |||||
BPP3601250 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 500747 | 4 of 4 | 2022-06-14 22:53 | Credit | Assets - Insufficient Cash to Close | The loan file does not contain all required asset documentation. Total verified assets are not sufficient to cover total required assets. Per guideline requirements 50% of business funds can be utilized for loan qualification. Required down payment is $XXXX. Required cash to close is $XXXX, and required reserve amount is $XXXX. Total verified assets are $XXXX at the 50% of the business assets. This loan has insufficient assets with a shortage of $XXXX for cash to close and reserves from qualified funds. | The attached April 2022 XXXX bank statement verifies $XXXX of liquid funds. Cash to close on the HUD is $XXXX. The surplus of $XXXX covers the 6 month PITI requirement of $XXXX. | Investor guidelines allow only 50% to be utilized from Business Accounts therefore only $XXXX could be applied from XXXX bank account. Compensating Factors reviewed. | Qualifying FICO of 798 and LTV of 57%. | 2022-10-26 16:27 | Waived | 3 | 2 | 3 | 2 | |||
BPP3601150 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 496268 | 1 of 4 | 2022-06-10 20:21 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-06-10 20:21 | Cleared | 1 | 1 | 3 | 2 | ||||||
BPP3601150 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 497532 | 2 of 4 | 2022-06-13 16:29 | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. | Final Term Sheet uploaded. | Documentation provided was sufficient. | 2022-06-13 16:29 | Resolved | 2 | 1 | 3 | 2 | ||||
BPP3601150 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 497578 | 3 of 4 | 2022-06-13 16:42 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA obtained which supported value. | 2022-09-07 19:03 | Resolved | 3 | 1 | 3 | 2 | |||||
BPP3601150 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 501936 | 4 of 4 | 2022-06-15 16:33 | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Per guidelines, maximum cash out is $XXXX and must be used for business purposes. Total cash back to the borrower was $XXXX which exceeds guideline maximum. | Compensating Factors reviewed. | Qualifying FICO 743, verified 140 months reserves and LTV of 50%. | 2022-10-26 16:33 | Waived | 3 | 2 | 3 | 2 | ||||
BPP3601151 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 496912 | 1 of 4 | 2022-06-13 12:30 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-06-13 12:30 | Cleared | 1 | 1 | 4 | 1 | ||||||
BPP3601151 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 497029 | 2 of 4 | 2022-06-13 13:42 | Credit | Flood Certificate Missing | Missing Flood Certificate. | Flood Cert uploaded. | Documentation provided was sufficient. | 2022-06-21 13:42 | Resolved | 4 | 1 | 4 | 1 | ||||
BPP3601151 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 497042 | 3 of 4 | 2022-06-13 13:48 | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. | Final Term Sheet uploaded. | Documentation provided was sufficient. | 2022-06-13 13:48 | Resolved | 2 | 1 | 4 | 1 | ||||
BPP3601151 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 497050 | 4 of 4 | 2022-06-13 13:53 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA obtained which supported value. | 2022-09-07 19:03 | Resolved | 3 | 1 | 4 | 1 | |||||
BPP3601152 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 496235 | 1 of 5 | 2022-06-10 20:11 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-06-13 13:33 | Cleared | 1 | 1 | 4 | 2 | ||||||
BPP3601152 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 497186 | 2 of 5 | 2022-06-13 14:42 | Credit | Flood Certificate Missing | Missing Flood Certificate. | Flood Cert uploaded. | Documentation provided was sufficient. | 2022-06-21 16:04 | Resolved | 4 | 1 | 4 | 2 | ||||
BPP3601152 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 497205 | 3 of 5 | 2022-06-13 14:48 | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. | Final Term Sheet uploaded. | Documentation provided was sufficient. | 2022-06-13 14:48 | Resolved | 2 | 1 | 4 | 2 | ||||
BPP3601152 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 497235 | 4 of 5 | 2022-06-13 14:56 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA uploaded. | Documentation provided was sufficient. | 2022-07-12 14:56 | Resolved | 3 | 1 | 4 | 2 | ||||
BPP3601152 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 501933 | 5 of 5 | 2022-06-15 16:32 | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Per guidelines, maximum cash back at closing is $XXXX and must be used for business purposes. The borrower received cash back of $XXXX which exceeds guideline maximum. | Compensating Factors reviewed. | Qualifying FICO of 743, verified 142 months reserves and LTV of 44%. | 2022-10-26 16:32 | Waived | 3 | 2 | 4 | 2 | ||||
ATL50353 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 546487 | 1 of 3 | 2022-07-14 13:49 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-07-14 16:15 | Cleared | 1 | 1 | 3 | 1 | ||||||
ATL50353 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 551169 | 2 of 3 | 2022-07-15 18:20 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA obtained which supported value. | 2022-09-07 19:03 | Resolved | 3 | 1 | 3 | 1 | |||||
ATL50353 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 551178 | 3 of 3 | 2022-07-15 18:23 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | 2022-07-15 18:23 | Cleared | 1 | 1 | 3 | 1 | ||||||
ATL50345 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 546691 | 1 of 3 | 2022-07-14 14:37 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-07-14 15:43 | Cleared | 1 | 1 | 3 | 1 | ||||||
ATL50345 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 551994 | 2 of 3 | 2022-07-15 20:37 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA obtained which supported value. | 2022-09-07 19:03 | Resolved | 3 | 1 | 3 | 1 | |||||
ATL50345 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 552001 | 3 of 3 | 2022-07-15 20:38 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | 2022-07-15 20:38 | Cleared | 1 | 1 | 3 | 1 | ||||||
ATL50331 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 549455 | 1 of 3 | 2022-07-15 12:40 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-07-15 12:40 | Cleared | 1 | 1 | 3 | 1 | ||||||
ATL50331 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 551600 | 2 of 3 | 2022-07-15 19:27 | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. As per guidelines, borrower must provide proof of 2 years property management history on self-managed investment property, or verification of third party property management firm is needed. File does not provide confirmation of borrower intent nor previous landlord experience and/or investment ownership. | Documents uploaded. | Documentation provided was sufficient. | 2022-07-21 17:10 | Resolved | 3 | 1 | 3 | 1 | ||||
ATL50331 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 553165 | 3 of 3 | 2022-07-18 12:58 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA obtained which supported value. | 2022-09-07 19:03 | Resolved | 3 | 1 | 3 | 1 | |||||
BPP3601134 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 542211 | 1 of 4 | 2022-07-12 17:08 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-07-12 20:53 | Cleared | 1 | 1 | 3 | 1 | ||||||
BPP3601134 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 545713 | 2 of 4 | 2022-07-13 21:59 | Credit | Title Coverage is Less than Subject Lien(s) Total | The amount of title insurance verified in the loan file is not sufficient to cover the loan amount. The amount covered is missing from the Title Commitment. | Title Commitment uploaded. | Documentation provided was sufficient. | 2022-07-22 22:09 | Resolved | 3 | 1 | 3 | 1 | ||||
BPP3601134 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 545744 | 3 of 4 | 2022-07-13 22:14 | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary | Loan Approval and Terms uploaded. | Documentation provided was sufficient. | 2022-07-22 16:59 | Resolved | 2 | 1 | 3 | 1 | ||||
BPP3601134 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 545780 | 4 of 4 | 2022-07-13 22:34 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA uploaded. | Documentation provided was sufficient. | 2022-07-13 22:34 | Resolved | 3 | 1 | 3 | 1 | ||||
BPP3601159 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 543977 | 1 of 3 | 2022-07-13 15:16 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-07-13 15:16 | Cleared | 1 | 1 | 3 | 1 | ||||||
BPP3601159 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 552321 | 2 of 3 | 2022-07-15 21:55 | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary | Loan Approval and Terms uploaded. | Documentation provided was sufficient. | 2022-07-22 21:55 | Resolved | 2 | 1 | 3 | 1 | ||||
BPP3601159 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 552328 | 3 of 3 | 2022-07-15 21:57 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA uploaded. | Documentation provided was sufficient. | 2022-07-22 21:57 | Resolved | 3 | 1 | 3 | 1 | ||||
BPP3601271 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 545809 | 1 of 3 | 2022-07-13 23:14 | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary | Loan Approval and Terms uploaded. | Documentation provided was sufficient. | 2022-07-22 23:14 | Resolved | 2 | 1 | 3 | 1 | ||||
BPP3601271 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 545810 | 2 of 3 | 2022-07-13 23:18 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA uploaded. | Documentation provided was sufficient. | 2022-07-25 23:18 | Resolved | 3 | 1 | 3 | 1 | ||||
BPP3601271 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 554514 | 3 of 3 | 2022-07-18 17:19 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-07-20 18:26 | Cleared | 1 | 1 | 3 | 1 | ||||||
BPP3601313 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 542468 | 1 of 4 | 2022-07-12 17:53 | Compliance | The Deed of Trust is Not Executed | The Deed of Trust is not executed | Document uploaded. | Documentation provided was sufficient. | 2022-07-21 14:12 | Resolved | 3 | 1 | 3 | 1 | ||||
BPP3601313 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 549805 | 2 of 4 | 2022-07-15 13:58 | Compliance | The Note is Not Executed | The Note is Not Executed | Document uploaded. | Documentation provided was sufficient. | 2022-07-21 19:46 | Resolved | 3 | 1 | 3 | 1 | ||||
BPP3601313 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 550332 | 3 of 4 | 2022-07-15 15:31 | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary | Loan Approval and Terms uploaded. | Documentation provided was sufficient. | 2022-07-22 16:03 | Resolved | 2 | 1 | 3 | 1 | ||||
BPP3601313 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 550408 | 4 of 4 | 2022-07-15 15:51 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA uploaded. | Documentation provided was sufficient. | 2022-07-22 15:51 | Resolved | 3 | 1 | 3 | 1 | ||||
BPP3601366 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 543577 | 1 of 6 | 2022-07-13 12:50 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-07-14 12:29 | Cleared | 1 | 1 | 4 | 1 | ||||||
BPP3601366 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 551995 | 2 of 6 | 2022-07-15 20:37 | Credit | Flood Certificate Missing | Missing Flood Certificate | Flood Cert uploaded. | Documentation provided was sufficient. | 2022-07-21 13:39 | Resolved | 4 | 1 | 4 | 1 | ||||
BPP3601366 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 551996 | 3 of 6 | 2022-07-15 20:37 | Credit | HO6 Master Insurance Policy is Missing | Missing HO-6 Master Insurance Policy | Master HOI Policy uploaded. | Documentation provided was sufficient. | 2022-07-25 17:57 | Resolved | 3 | 1 | 4 | 1 | ||||
BPP3601366 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 552063 | 4 of 6 | 2022-07-15 20:49 | Credit | Title Document Missing | Title document is missing | Title Documentation uploaded. | Documentation provided was sufficient. | 2022-07-21 13:41 | Resolved | 3 | 1 | 4 | 1 | ||||
BPP3601366 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 552079 | 5 of 6 | 2022-07-15 20:51 | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary | Loan Approval and Terms uploaded. | Documentation provided was sufficient. | 2022-07-22 13:43 | Resolved | 2 | 1 | 4 | 1 | ||||
BPP3601366 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 552147 | 6 of 6 | 2022-07-15 21:05 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA uploaded. | Documentation provided was sufficient. | 2022-07-22 21:05 | Resolved | 3 | 1 | 4 | 1 | ||||
BPP3601477 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 543065 | 1 of 3 | 2022-07-12 20:23 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-07-14 13:37 | Cleared | 1 | 1 | 2 | 1 | ||||||
BPP3601477 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 551405 | 2 of 3 | 2022-07-15 19:00 | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary | Loan Approval and Terms uploaded. | Documentation provided was sufficient. | 2022-07-22 19:04 | Resolved | 2 | 1 | 2 | 1 | ||||
BPP3601477 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 551447 | 3 of 3 | 2022-07-15 19:08 | Valuation | Value - Value is supported within 10% of original appraisal amount | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. | 2022-07-15 19:08 | Cleared | 1 | 1 | 2 | 1 | ||||||
BPP3601489 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 541136 | 1 of 6 | 2022-07-12 13:35 | Credit | Third Party Fraud Report not Provided | Missing third party fraud report | Fraud Report uploaded. | Documentation provided was sufficient. | 2022-07-22 17:51 | Resolved | 3 | 1 | 3 | 1 | ||||
BPP3601489 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 542595 | 2 of 6 | 2022-07-12 18:18 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-07-14 12:39 | Cleared | 1 | 1 | 3 | 1 | ||||||
BPP3601489 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 550992 | 3 of 6 | 2022-07-15 17:47 | Credit | Title Coverage is Less than Subject Lien(s) Total | The amount of title insurance verified in the loan file is not sufficient to cover the loan amount. The amount covered is missing from the Title Commitment. | Title Commitment uploaded. | Documentation provided was sufficient. | 2022-07-22 22:12 | Resolved | 3 | 1 | 3 | 1 | ||||
BPP3601489 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 551228 | 4 of 6 | 2022-07-15 18:28 | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary | Loan Approval and Terms uploaded. | Documentation provided was sufficient. | 2022-07-22 13:49 | Resolved | 2 | 1 | 3 | 1 | ||||
BPP3601489 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 551362 | 5 of 6 | 2022-07-15 18:57 | Valuation | Value - Value is supported within 10% of original appraisal amount | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. | 2022-07-15 18:59 | Cleared | 1 | 1 | 3 | 1 | ||||||
BPP3601489 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 553376 | 6 of 6 | 2022-07-18 13:47 | Credit | Asset 2 Less Than 2 Months Verified | Asset 2 Less Than 2 Months Verified. An additional month bank statement is needed for the account ending in XXXX. | Exception has been voided. | 2022-07-22 15:56 | Void | 1 | 1 | 3 | 1 | |||||
BPP3601519 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 543745 | 1 of 5 | 2022-07-13 14:05 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-07-14 13:14 | Cleared | 1 | 1 | 4 | 2 | ||||||
BPP3601519 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 550228 | 2 of 5 | 2022-07-15 15:15 | Credit | Flood Certificate Missing | Missing Flood Certificate | Flood Cert uploaded. | Documentation provided was sufficient. | 2022-07-21 16:14 | Resolved | 4 | 1 | 4 | 2 | ||||
BPP3601519 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 550377 | 3 of 5 | 2022-07-15 15:45 | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary | Loan Approval and Terms uploaded. | Documentation provided was sufficient. | 2022-07-22 16:33 | Resolved | 2 | 1 | 4 | 2 | ||||
BPP3601519 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 550452 | 4 of 5 | 2022-07-15 16:06 | Valuation | Value - Value is supported within 10% of original appraisal amount | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. | 2022-07-18 15:13 | Cleared | 1 | 1 | 4 | 2 | ||||||
BPP3601519 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 553858 | 5 of 5 | 2022-07-18 15:12 | Credit | Asset 1 Does Not Meet Guideline Requirements | Asset Record 1 Does Not Meet G/L Requirements Per guidelines, in order to use business funds the borrower must be 100% owner of the business and only 50% of the funds can be used. Per the operating agreement, there are 2 owners of the business. | Compensating Factors reviewed. | Verified 106 months in reserves and DSCR of 1.45. | 2022-10-26 18:22 | Waived | 3 | 2 | 4 | 2 | ||||
BPP3601054 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 580406 | 1 of 3 | 2022-08-02 18:45 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA obtained which supported value. | 2022-09-07 19:03 | Resolved | 3 | 1 | 3 | 1 | |||||
BPP3601054 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 580466 | 2 of 3 | 2022-08-02 19:06 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | 2022-08-03 18:01 | Cleared | 1 | 1 | 3 | 1 | ||||||
BPP3601054 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 582522 | 3 of 3 | 2022-08-03 17:48 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-08-03 17:48 | Cleared | 1 | 1 | 3 | 1 | ||||||
BPP3601471 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 582744 | 1 of 3 | 2022-08-03 18:51 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-08-03 20:51 | Cleared | 1 | 1 | 1 | 1 | ||||||
BPP3601471 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 584268 | 2 of 3 | 2022-08-04 16:33 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | 2022-08-04 16:33 | Cleared | 1 | 1 | 1 | 1 | ||||||
BPP3601471 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 584269 | 3 of 3 | 2022-08-04 16:33 | Valuation | Value - Value is supported within 10% of original appraisal amount | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. | 2022-08-04 16:33 | Cleared | 1 | 1 | 1 | 1 | ||||||
BPP3601359 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 582143 | 1 of 3 | 2022-08-03 15:23 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-08-03 20:49 | Cleared | 1 | 1 | 2 | 1 | ||||||
BPP3601359 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 584227 | 2 of 3 | 2022-08-04 16:10 | Valuation | Value - Value is supported within 10% of original appraisal amount | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. | 2022-08-04 17:10 | Cleared | 1 | 1 | 2 | 1 | ||||||
BPP3601359 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 585214 | 3 of 3 | 2022-08-04 21:49 | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary | Loan Approval uploaded. | Documentation provided was sufficient. | 2022-08-15 21:49 | Resolved | 2 | 1 | 2 | 1 | ||||
BPP3601474 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 582206 | 1 of 3 | 2022-08-03 15:55 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-08-03 20:11 | Cleared | 1 | 1 | 2 | 1 | ||||||
BPP3601474 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 584519 | 2 of 3 | 2022-08-04 17:50 | Valuation | Value - Value is supported within 10% of original appraisal amount | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. | 2022-08-04 17:50 | Cleared | 1 | 1 | 2 | 1 | ||||||
BPP3601474 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 585323 | 3 of 3 | 2022-08-05 00:31 | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary | Loan Approval uploaded. | Documentation provided was sufficient. | 2022-08-15 00:31 | Resolved | 2 | 1 | 2 | 1 | ||||
BPP3601306 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 582495 | 1 of 3 | 2022-08-03 17:44 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-08-03 19:00 | Cleared | 1 | 1 | 2 | 1 | ||||||
BPP3601306 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 585044 | 2 of 3 | 2022-08-04 20:28 | Valuation | Value - Value is supported within 10% of original appraisal amount | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. | 2022-08-04 20:28 | Cleared | 1 | 1 | 2 | 1 | ||||||
BPP3601306 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 585212 | 3 of 3 | 2022-08-04 21:48 | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary | Loan Approval uploaded. | Documentation provided was sufficient. | 2022-08-15 21:48 | Resolved | 2 | 1 | 2 | 1 | ||||
BPP3601372 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 584885 | 1 of 3 | 2022-08-04 19:38 | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary | Loan Approval uploaded. | Documentation provided was sufficient. | 2022-08-15 00:55 | Resolved | 2 | 1 | 2 | 1 | ||||
BPP3601372 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 584910 | 2 of 3 | 2022-08-04 19:42 | Valuation | Value - Value is supported within 10% of original appraisal amount | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. | 2022-08-04 19:42 | Cleared | 1 | 1 | 2 | 1 | ||||||
BPP3601372 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 584950 | 3 of 3 | 2022-08-04 19:48 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-08-05 20:18 | Cleared | 1 | 1 | 2 | 1 | ||||||
BPP3601219 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 582079 | 1 of 3 | 2022-08-03 14:56 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-08-03 17:59 | Cleared | 1 | 1 | 2 | 1 | ||||||
BPP3601219 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 583214 | 2 of 3 | 2022-08-03 22:35 | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary | Loan Approval uploaded. | Documentation provided was sufficient. | 2022-08-15 22:35 | Resolved | 2 | 1 | 2 | 1 | ||||
BPP3601219 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 583220 | 3 of 3 | 2022-08-03 22:39 | Valuation | Value - Value is supported within 10% of original appraisal amount | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. | 2022-08-03 22:39 | Cleared | 1 | 1 | 2 | 1 | ||||||
BPP3601222 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 583107 | 1 of 3 | 2022-08-03 21:07 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-08-03 21:07 | Cleared | 1 | 1 | 1 | 1 | ||||||
BPP3601222 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 584197 | 2 of 3 | 2022-08-04 15:54 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | 2022-08-04 15:54 | Cleared | 1 | 1 | 1 | 1 | ||||||
BPP3601222 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 584199 | 3 of 3 | 2022-08-04 15:55 | Valuation | Value - Value is supported within 10% of original appraisal amount | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. | 2022-08-04 15:55 | Cleared | 1 | 1 | 1 | 1 | ||||||
BPP3601575 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 584708 | 1 of 3 | 2022-08-04 18:43 | Valuation | Value - Value is supported within 10% of original appraisal amount | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. | 2022-08-04 18:43 | Cleared | 1 | 1 | 3 | 1 | ||||||
BPP3601575 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 586302 | 2 of 3 | 2022-08-05 15:34 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-08-05 15:35 | Cleared | 1 | 1 | 3 | 1 | ||||||
BPP3601575 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 590805 | 3 of 3 | 2022-08-08 22:54 | Credit | Title - Insufficient Insurance Coverage | The amount of title insurance verified in the loan file is not sufficient to cover the loan amount. Title coverage amount of $XXXX is less than total amount of subject lien of $XXXX. | Title Commitment uploaded. | Documentation provided was sufficient. | 2022-08-16 22:54 | Resolved | 3 | 1 | 3 | 1 | ||||
BPP3601540 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 584256 | 1 of 3 | 2022-08-04 16:21 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | 2022-08-05 20:53 | Cleared | 1 | 1 | 1 | 1 | ||||||
BPP3601540 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 584258 | 2 of 3 | 2022-08-04 16:22 | Valuation | Value - Value is supported within 10% of original appraisal amount | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. | 2022-08-04 16:22 | Cleared | 1 | 1 | 1 | 1 | ||||||
BPP3601540 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 586282 | 3 of 3 | 2022-08-05 15:28 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-08-05 15:28 | Cleared | 1 | 1 | 1 | 1 | ||||||
BPP3600896 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 598245 | 1 of 3 | 2022-08-11 19:30 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-08-11 19:30 | Cleared | 1 | 1 | 2 | 1 | ||||||
BPP3600896 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 600115 | 2 of 3 | 2022-08-12 16:27 | Credit | Approval/Underwriting Summary Not Provided | Missing loan approval/underwriting summary | Loan Approval uploaded. | Documentation provided was sufficient. | 2022-08-18 16:27 | Resolved | 2 | 1 | 2 | 1 | ||||
BPP3600896 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 600116 | 3 of 3 | 2022-08-12 16:27 | Valuation | Value - Value is supported within 10% of original appraisal amount | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. | 2022-08-12 16:27 | Cleared | 1 | 1 | 2 | 1 | ||||||
BPP3600945 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 597075 | 1 of 4 | 2022-08-11 14:54 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-08-11 15:38 | Cleared | 1 | 1 | 3 | 1 | ||||||
BPP3600945 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 599957 | 2 of 4 | 2022-08-12 15:40 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | 2022-08-12 15:40 | Cleared | 1 | 1 | 3 | 1 | ||||||
BPP3600945 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 599960 | 3 of 4 | 2022-08-12 15:41 | Valuation | Value - Value is supported within 10% of original appraisal amount | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. | 2022-08-12 15:41 | Cleared | 1 | 1 | 3 | 1 | ||||||
BPP3600945 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 603927 | 4 of 4 | 2022-08-15 23:08 | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Documented owner of titled Entity is a 3rd party, listed as sole member of LLC per IRS EIN documentation. 3rd party is not on application or credit qualification but is signatory on Note. Borrower/guarantor on loan is not a documented owner of entity. Articles of Incorporation list borrower as capital contributor only. | Documentation uploaded. | Documentation provided was sufficient. | 2022-08-25 23:14 | Resolved | 3 | 1 | 3 | 1 | ||||
BPP3601588 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 597413 | 1 of 3 | 2022-08-11 16:35 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-08-11 19:46 | Cleared | 1 | 1 | 1 | 1 | ||||||
BPP3601588 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 600213 | 2 of 3 | 2022-08-12 17:04 | Valuation | Value - Value is supported within 10% of original appraisal amount | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. | 2022-08-12 17:04 | Cleared | 1 | 1 | 1 | 1 | ||||||
BPP3601588 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 600983 | 3 of 3 | 2022-08-12 22:50 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | 2022-08-12 22:50 | Cleared | 1 | 1 | 1 | 1 | ||||||
BPP3601598 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 598375 | 1 of 3 | 2022-08-11 19:54 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-08-11 19:54 | Cleared | 1 | 1 | 1 | 1 | ||||||
BPP3601598 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 600153 | 2 of 3 | 2022-08-12 16:41 | Valuation | Value - Value is supported within 10% of original appraisal amount | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. | 2022-08-12 16:41 | Cleared | 1 | 1 | 1 | 1 | ||||||
BPP3601598 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 600171 | 3 of 3 | 2022-08-12 16:48 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | 2022-08-12 16:48 | Cleared | 1 | 1 | 1 | 1 | ||||||
BPP3601227 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 597571 | 1 of 4 | 2022-08-11 17:12 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-08-11 18:17 | Cleared | 1 | 1 | 3 | 2 | ||||||
BPP3601227 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 599912 | 2 of 4 | 2022-08-12 15:26 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Per the guidelines only 50% of assets in the borrowers business account may be used towards down payment, closing costs and reserves. Without 100% of the business funds the assets are short allowable funds for required reserves and closing costs. | Compensating Factors reviewed. | Qualifying FICO of 753 and LTV of 50%. | 2022-10-26 15:30 | Waived | 3 | 2 | 3 | 2 | ||||
BPP3601227 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 599917 | 3 of 4 | 2022-08-12 15:28 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA uploaded. | Documentation provided was sufficient. | 2022-08-18 15:28 | Resolved | 3 | 1 | 3 | 2 | ||||
BPP3601227 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 600184 | 4 of 4 | 2022-08-12 16:54 | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary No Lender approval or 1008 provided in file. | Loan Approval uploaded. | Documentation provided was sufficient. | 2022-08-18 22:24 | Resolved | 2 | 1 | 3 | 2 | ||||
BPP3601385 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 598258 | 1 of 3 | 2022-08-11 19:30 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-08-11 19:30 | Cleared | 1 | 1 | 1 | 1 | ||||||
BPP3601385 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 599506 | 2 of 3 | 2022-08-12 13:39 | Valuation | Value - Value is supported within 10% of original appraisal amount | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. | 2022-08-12 13:39 | Cleared | 1 | 1 | 1 | 1 | ||||||
BPP3601385 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 599521 | 3 of 3 | 2022-08-12 13:44 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | 2022-08-12 13:44 | Cleared | 1 | 1 | 1 | 1 | ||||||
2502054 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 579639 | 1 of 3 | 2022-08-02 13:58 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-08-02 14:40 | Cleared | 1 | 1 | 4 | 1 | ||||||
2502054 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 580008 | 2 of 3 | 2022-08-02 16:36 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA obtained which supported value. | 2022-09-07 19:03 | Resolved | 3 | 1 | 4 | 1 | |||||
2502054 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 580101 | 3 of 3 | 2022-08-02 17:16 | Credit | Flood Certificate Missing | Missing Flood Certificate | Flood Cert uploaded. | Documentation provided was sufficient. | 2022-11-08 14:25 | Resolved | 4 | 1 | 4 | 1 | ||||
220487 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 579965 | 1 of 5 | 2022-08-02 16:18 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-08-02 16:18 | Cleared | 1 | 1 | 4 | 1 | ||||||
220487 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 580233 | 2 of 5 | 2022-08-02 17:57 | Credit | Flood Certificate Missing | Missing Flood Certificate | Flood Cert uploaded. | Documentation provided was sufficient. | 2022-11-08 17:57 | Resolved | 4 | 1 | 4 | 1 | ||||
220487 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 580284 | 3 of 5 | 2022-08-02 18:10 | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary | Explanation provided. | Explanation provided was sufficient. | 2022-11-09 19:32 | Resolved | 2 | 1 | 4 | 1 | ||||
220487 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 580323 | 4 of 5 | 2022-08-02 18:24 | Credit | Assets - Insufficient Cash to Close | The loan file does not contain all required asset documentation. Total verified assets are not sufficient to cover total required assets. Cash to close required is $XXXX, funds verified are $XXXX. Short funds to close of $XXXX, no wire found. Also short reserves $XXXX, making the total $XXXX for funds that are needed to be verified. | Asset documentation uploaded. | Documentation provided was sufficient. | 2022-11-09 17:49 | Resolved | 3 | 1 | 4 | 1 | ||||
220487 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 580329 | 5 of 5 | 2022-08-02 18:25 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA obtained which supported value. | 2022-09-07 19:03 | Resolved | 3 | 1 | 4 | 1 | |||||
KPRE-0069 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 579917 | 1 of 3 | 2022-08-02 15:59 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-08-02 16:45 | Cleared | 1 | 1 | 4 | 1 | ||||||
KPRE-0069 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 580421 | 2 of 3 | 2022-08-02 18:48 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA obtained which supported value. | 2022-09-07 19:03 | Resolved | 3 | 1 | 4 | 1 | |||||
KPRE-0069 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 580434 | 3 of 3 | 2022-08-02 18:55 | Credit | Flood Certificate Missing | Missing Flood Certificate | Flood Cert uploaded. | Documentation provided was sufficient. | 2022-11-08 22:27 | Resolved | 4 | 1 | 4 | 1 | ||||
WD0920 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 579786 | 1 of 3 | 2022-08-02 15:01 | Compliance | Other Rider is Missing | Missing Entity Borrower Rider and Vacant Property Rider. | Document uploaded. | Documentation provided was sufficient. | 2022-10-31 14:15 | Resolved | 3 | 1 | 4 | 1 | ||||
WD0920 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 583221 | 2 of 3 | 2022-08-03 22:40 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA obtained which supported value. | 2022-09-07 19:03 | Resolved | 3 | 1 | 4 | 1 | |||||
WD0920 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 583729 | 3 of 3 | 2022-08-04 12:28 | Credit | Borrower 1 Credit Report is Missing | Borrower 1 Credit Report is Missing. | Credit Report uploaded. | Documentation provided was sufficient. | 2022-10-31 12:28 | Resolved | 4 | 1 | 4 | 1 | ||||
121777 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 583922 | 1 of 3 | 2022-08-04 14:00 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-08-04 14:00 | Cleared | 1 | 1 | 3 | 1 | ||||||
121777 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 584981 | 2 of 3 | 2022-08-04 20:00 | Valuation | Value - Value is supported within 10% of original appraisal amount | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. | 2022-08-04 20:00 | Cleared | 1 | 1 | 3 | 1 | ||||||
121777 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 590646 | 3 of 3 | 2022-08-08 21:29 | Credit | Title - Insufficient Insurance Coverage | The amount of title insurance verified in the loan file is not sufficient to cover the loan amount. Title coverage amount of $XXXX is less than total amount of subject lien of $XXXX. | Title Commitment uploaded. | Documentation provided was sufficient. | 2022-10-26 21:29 | Resolved | 3 | 1 | 3 | 1 | ||||
121816 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 583857 | 1 of 5 | 2022-08-04 13:20 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-08-04 18:25 | Cleared | 1 | 1 | 4 | 1 | ||||||
121816 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 584953 | 2 of 5 | 2022-08-04 19:50 | Credit | Title Document Missing | Title document is missing Commitment provided in file appears to be from previous transaction and contains edits and redactions. | Title Commitment uploaded. | Documentation provided was sufficient. | 2022-10-26 21:36 | Resolved | 3 | 1 | 4 | 1 | ||||
121816 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 585008 | 3 of 5 | 2022-08-04 20:13 | Credit | Hazard Insurance Policy is Missing | Missing Hazard Insurance policy. | HOI Policy uploaded. | Documentation provided was sufficient. | 2022-10-26 20:13 | Resolved | 3 | 1 | 4 | 1 | ||||
121816 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 585812 | 4 of 5 | 2022-08-05 13:07 | Valuation | Appraisal is Missing | The loan file does not contain the appraisal. Unable to determine estimated market rents, please also provide 1007. | Origination Appraisal uploaded. | Documentation provided was sufficient. | 2022-09-02 14:34 | Resolved | 4 | 1 | 4 | 1 | ||||
121816 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 586085 | 5 of 5 | 2022-08-05 14:35 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA obtained which supported value. | 2022-10-31 14:35 | Resolved | 3 | 1 | 4 | 1 | |||||
122828 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 584405 | 1 of 3 | 2022-08-04 17:22 | Credit | Hazard Insurance Policy is Missing | Missing Hazard Insurance policy. | HOI Policy uploaded. | Documentation provided was sufficient. | 2022-10-26 17:31 | Resolved | 3 | 1 | 3 | 1 | ||||
122828 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 585933 | 2 of 3 | 2022-08-05 13:51 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-08-05 13:51 | Cleared | 1 | 1 | 3 | 1 | ||||||
122828 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 598408 | 3 of 3 | 2022-08-11 20:00 | Valuation | Value - Value is supported within 10% of original appraisal amount | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. | 2022-08-11 20:00 | Cleared | 1 | 1 | 3 | 1 | ||||||
FF14 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 579863 | 1 of 4 | 2022-08-02 15:32 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 2022-08-02 17:05 | Cleared | 1 | 1 | 3 | 1 | ||||||
FF14 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 580476 | 2 of 4 | 2022-08-02 19:10 | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary | Underwriting Summary uploaded. | Documentation provided was sufficient. | 2022-10-13 19:10 | Resolved | 2 | 1 | 3 | 1 | ||||
FF14 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 580555 | 3 of 4 | 2022-08-02 19:26 | Credit | Purchase Contract - Missing | The loan file did not contain the Purchase Contract as required. | Purchase Contract uploaded. | Documentation provided was sufficient. | 2022-10-13 16:46 | Resolved | 3 | 1 | 3 | 1 | ||||
FF14 | XX-XX-XXXX | XXXX | XXXX | XX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 580566 | 4 of 4 | 2022-08-02 19:30 | Valuation | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product to satisfy secondary valuation requirements. | CDA obtained which supported value. | 2022-09-07 19:03 | Resolved | 3 | 1 | 3 | 1 |