Exhibit 99.23
| Loan ID | Seller Loan ID | Investor Loan ID | Overall Initial Loan Grade | Overall Final Loan Grade | Credit Initial Loan Grade | Credit Current/Final Loan Grade | Compliance Initial Loan Grade | Compliance Current/Final Loan Grade | Property Initial Loan Grade | Property Current/Final Loan Grade | Queue | Finding Code | Date Created | Date Modified | Finding Status | Event Level | Initial Finding Grade | Current/Final Finding Grade | Finding Category | Finding Sub Category | Finding Name | Finding Comments | Seller Comments | Resolution Comments | Reviewer Comp Factor | Originator Comp Factors | Finding Documents | Originator QM Status | Final Reviewed QM Status | Loan Amount | Property State | Occupancy | Loan Purpose | Refinance Purpose | Waived / WaivedBy | Waiver in File? | Unique Finding ID |
| 20250873 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 20250885 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | |||||||||||||||||||
| 20250915 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 20250848 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 20250849 | xxx | C | A | C | A | A | A | A | A | Closed | FCRE1293 | 2025-01-03 11:49 | 2025-01-07 10:36 | Resolved | 1 - Information | C | A | Credit | Income | Income 2 Months Income Verified is Missing | Resolved-Property located at xxx is Free & Clear, Copy of Cancelation of Deed provided along with Taxes & HOI - No HOA on property. - Due Diligence Vendor-01/07/2025 Ready for Review-Document Uploaded. Please note that REO is a SFR that’s why there is no HOA for it. - Seller-01/06/2025 Open-Income 2 Months Income Verified is Missing Cannot locate hoi or hoa info on xxx property in file REO income loss - Due Diligence Vendor-01/03/2025 |
Ready for Review-Document Uploaded. Please note that REO is a SFR that’s why there is no HOA for it. - Seller-01/06/2025 |
Resolved-Property located at xxx is Free & Clear, Copy of Cancelation of Deed provided along with Taxes & HOI - No HOA on property. - Due Diligence Vendor-01/07/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.76% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||
| 20250863 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 20250866 | xxx | C | A | C | A | A | A | A | A | Closed | FCRE8611 | 2025-01-06 11:04 | 2025-01-08 13:32 | Resolved | 1 - Information | C | A | Credit | Income | Income/Employment General | Resolved-Readable WVOE provided. - Due Diligence Vendor-01/08/2025 Ready for Review-Document Uploaded. - Seller-01/07/2025 Open-wvoe on pg 601 is not legible requesting a new wvoe. - Due Diligence Vendor-01/06/2025 |
Ready for Review-Document Uploaded. - Seller-01/07/2025 |
Resolved-Readable WVOE provided. - Due Diligence Vendor-01/08/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 75.28 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 11.67% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 51.37% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | xxx | ||
| 20250872 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | |||||||||||||||||||
| 20250891 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 20250897 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 20250901 | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1815 | 2025-01-06 14:45 | 2025-01-09 09:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Incomplete | Resolved-Business Listing and CPA CTEC provided. - Due Diligence Vendor-01/09/2025 Ready for Review-Document Uploaded. xxx - Please see uploaded. - Seller-01/08/2025 Open-Missing business listing and address for the borrower's business using the internet/directory assistance or business profile websites, etc. The borrower is self-employed and per CPA letter provided, no business license is required; however, verification of the borrower's business listing is missing. - Due Diligence Vendor-01/06/2025 |
Ready for Review-Document Uploaded. xxx - Please see uploaded. - Seller-01/08/2025 |
Resolved-Business Listing and CPA CTEC provided. - Due Diligence Vendor-01/09/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 49.83 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.14 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.92% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||
| 20250901 | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1169 | 2025-01-03 15:05 | 2025-01-09 09:31 | Resolved | 1 - Information | C | A | Credit | Insurance | Flood Insurance Effective Date is after the Note Date | Resolved-Per PCCD - Disbursement date is xxx and HOI Effective date is xxx - Due Diligence Vendor-01/09/2025 Ready for Review-xxx - Please note that this loan is funded xxx. Same day as the effective date of the flood insurance please refer to page 252 of the loan package. Insurance must be on or before funding date. - Seller-01/08/2025 Open-Flood Insurance Effective Date of xxx is after the Note Date of xxx. - Due Diligence Vendor-01/03/2025 |
Ready for Review-xxx- Please note that this loan is funded xxx. Same day as the effective date of the flood insurance please refer to page 252 of the loan package. Insurance must be on or before funding date. - Seller-01/08/2025 |
Resolved-Per PCCD - Disbursement date is xxx and HOI Effective date is xxx - Due Diligence Vendor-01/09/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 49.83 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.14 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.92% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||
| 20250905 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 20250908 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 20250918 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 20250920 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 20250853 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 20250880 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 20250869 | xxx | D | B | D | A | C | A | D | B | Closed | FPRO4876 | 2025-01-13 19:19 | 2025-06-02 13:37 | Waived | 2 - Non-Material | D | B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster area. | Waived- - Due Diligence Vendor-06/02/2025 Resolved-Per xxx disaster guidance, property located outside of immediate impact area. PDI reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-01/31/2025 Ready for Review-Document Uploaded. xxx - Uploaded DIR Cert - Seller-01/30/2025 Counter-Property located in confirmed impact zip code xxx and PDI will be required. - Due Diligence Vendor-01/23/2025 Counter-Subject Is located in a Disaster area and currently on going - PDI report needed after completion or end date of FEMA Disaster. - Due Diligence Vendor-01/14/2025 Ready for Review-Document Uploaded. xxx - Uploaded rebuttal. - Seller-01/14/2025 Open-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. PDI report needed after completion or end date of FEMA Disaster. - Due Diligence Vendor-01/14/2025 |
Ready for Review-Document Uploaded. xxx - Uploaded DIR Cert - Seller-01/30/2025 Ready for Review-Document Uploaded. xxx - Uploaded rebuttal. - Seller-01/14/2025 |
Resolved-Per xxx disaster guidance, property located outside of immediate impact area. PDI reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-01/31/2025 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 62.4% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.41% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 89.8 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxx | ||
| 20250869 | xxx | D | B | D | A | C | A | D | B | Closed | FCRE5047 | 2025-01-08 08:21 | 2025-02-06 08:47 | Resolved | 1 - Information | C | A | Credit | Title | Amount of title insurance is less than mortgage amount | Resolved-Final Title Policy provided. - Due Diligence Vendor-02/06/2025 Ready for Review-Document Uploaded. - Seller-02/05/2025 Open-Dollar amount of title insurance coverage is not listed on title policy. - Due Diligence Vendor-01/08/2025 |
Ready for Review-Document Uploaded. - Seller-02/05/2025 |
Resolved-Final Title Policy provided. - Due Diligence Vendor-02/06/2025 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 62.4% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.41% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 89.8 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||
| 20250869 | xxx | D | B | D | A | C | A | D | B | Closed | FCRE2000 | 2025-01-08 08:58 | 2025-01-13 19:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Property | Incomplete or Unexecuted Purchase Contract | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-01/14/2025 Open-Incomplete or unexecuted Purchase Contract - Utilize finding with Enumerations: Partial, Unexecuted or Not Executed and comment accordingly In need of addendum to contract executed and dated by all parties reflecting sales price of $xxx. - Due Diligence Vendor-01/08/2025 |
Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-01/14/2025 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 62.4% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.41% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 89.8 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||||
| 20250903 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||||
| 20250935 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 20250942 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 20250851 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 20250892 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | |||||||||||||||||||
| 20250910 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 20250912 | xxx | C | A | A | A | C | A | A | A | Closed | finding-3652 | 2025-01-10 11:06 | 2025-01-15 14:58 | Resolved | 1 - Information | C | A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received Initial LE - Due Diligence Vendor-01/15/2025 Open-These finding is in relation to the delivery of the Initial Loan Estimate. Lender to provide a copy of the Initial LE issued within 3 business days of the application date. - Due Diligence Vendor-01/10/2025 Open-This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($xxx) does not exceed or equal the comparable sum of specific and non-specific lender credits ($xxx). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-01/10/2025 |
Resolved-Received Initial LE - Due Diligence Vendor-01/15/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.5 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.41 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.22 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||||
| 20250912 | xxx | C | A | A | A | C | A | A | A | Closed | finding-3631 | 2025-01-10 11:06 | 2025-01-15 14:58 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Received Initial LE - Due Diligence Vendor-01/15/2025 Open-These finding is in relation to the delivery of the Initial Loan Estimate. Lender to provide a copy of the Initial LE issued within 3 business days of the application date. - Due Diligence Vendor-01/10/2025 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-01/10/2025 |
Resolved-Received Initial LE - Due Diligence Vendor-01/15/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.5 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.41 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.22 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||||
| 20250912 | xxx | C | A | A | A | C | A | A | A | Closed | finding-3632 | 2025-01-10 11:06 | 2025-01-15 14:58 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Received Initial LE - Due Diligence Vendor-01/15/2025 Open-These finding is in relation to the delivery of the Initial Loan Estimate. Lender to provide a copy of the Initial LE issued within 3 business days of the application date. - Due Diligence Vendor-01/10/2025 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-01/10/2025 |
Resolved-Received Initial LE - Due Diligence Vendor-01/15/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.5 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.41 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.22 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||||
| 20250912 | xxx | C | A | A | A | C | A | A | A | Closed | finding-3634 | 2025-01-10 11:06 | 2025-01-15 14:58 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-Received Initial LE - Due Diligence Vendor-01/15/2025 Open-These finding is in relation to the delivery of the Initial Loan Estimate. Lender to provide a copy of the Initial LE issued within 3 business days of the application date. - Due Diligence Vendor-01/10/2025 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-01/10/2025 |
Resolved-Received Initial LE - Due Diligence Vendor-01/15/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.5 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.41 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.22 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||||
| 20250912 | xxx | C | A | A | A | C | A | A | A | Closed | finding-3515 | 2025-01-10 11:06 | 2025-01-15 14:58 | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-Received Initial LE - Due Diligence Vendor-01/15/2025 Ready for Review-Document Uploaded. - Seller-01/14/2025 Open-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: ( 12 CFR §1026.19(e)(1)(iii)(A) )The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Earliest issued LE in the file is dated xxx, which is more than 3 business days from the application date. Evidence in the file indicates a LE was issued prior, lender to provide LE issued within 3 business days of the application date. - Due Diligence Vendor-01/10/2025 |
Ready for Review-Document Uploaded. - Seller-01/14/2025 |
Resolved-Received Initial LE - Due Diligence Vendor-01/15/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.5 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.41 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.22 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 20250860 | xxx | D | B | A | A | A | A | D | B | Closed | FPRO4876 | 2025-01-09 17:50 | 2025-04-01 12:59 | Waived | 2 - Non-Material | D | B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster area. | Waived-Per xxx disaster guidance, property located outside of impact area per subject zip code and current fire maps. PDI not required at this time. - Due Diligence Vendor-01/23/2025 Open-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection report showing no damage. - Due Diligence Vendor-01/09/2025 |
Waived-Per xxx disaster guidance, property located outside of impact area per subject zip code and current fire maps. PDI not required at this time. - Due Diligence Vendor-01/23/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.97% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 28 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 22.65 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 22.65 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxx | ||||
| 20250870 | xxx | C | A | C | A | A | A | A | A | Closed | FCRE1204 | 2025-01-10 11:16 | 2025-01-16 13:03 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Lender pulled a credit report on the borrower with that SSN and there are ample trade lines to that borrower with that SSN and no fraud alerts associated with that SSN - Due Diligence Vendor-01/16/2025 Ready for Review-Document Uploaded. xxx - Please see rebuttal uploaded - Seller-01/15/2025 Ready for Review-Document Uploaded. xxx- See rebuttal uploaded. - Seller-01/15/2025 Counter-Document Uploaded. Missing Social Security Verification form confirmation it belongs to the borrower. Tradelines don't negate verification of Social Security confirmation. - Due Diligence Vendor-01/14/2025 Ready for Review-Document Uploaded. xxx - Please see rebuttal uploaded. - Seller-01/14/2025 Open-Fraud Report Shows Uncleared Alerts Missing valid SSN. Per the final loan application, the borrower is a US citizen. The Borrower completed Form SSA-89; however, the loan file does not contain the report verifying valid SSN. The lender's guidelines allow US Citizens with a valid SSN; however, the fraud report in the loan file shows high alert for SSN not likely issued prior to xxx cleared by lender using the borrower's credit report. The loan file contains xxx Driver's license (not Real ID) and USA Patriot Act Customer ID Verification completed with xxx Driver's license and xxx Bankcard. - Due Diligence Vendor-01/10/2025 |
Ready for Review-Document Uploaded. xxx - Please see rebuttal uploaded - Seller-01/15/2025 Ready for Review-Document Uploaded. xxx - See rebuttal uploaded. - Seller-01/15/2025 Ready for Review-Document Uploaded. xxx - Please see rebuttal uploaded. - Seller-01/14/2025 |
Resolved-Lender pulled a credit report on the borrower with that SSN and there are ample trade lines to that borrower with that SSN and no fraud alerts associated with that SSN - Due Diligence Vendor-01/16/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 38.24% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 63.47 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 20250881 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | xxx | ||||||||||||||||||
| 20250899 | xxx | C | A | C | A | A | A | A | A | Closed | FCRE1204 | 2025-01-10 18:31 | 2025-01-14 08:47 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-01/14/2025 Ready for Review-Please note green card was provided and that SSN validation is provided if there is a finding on credit report ( variation), but there isn't one. - Seller-01/13/2025 Open-Fraud Report Shows Uncleared Alerts Missing validation of the Borrower's Social Security Number as required per the lender's guidelines. The fraud report has High Rick Alert for SSN requiring verification of the borrower's SSN; however, the lender cleared with the statement "green care holder". The loan file contains an executed Form SSA--89; however, the validation report is not present. - Due Diligence Vendor-01/10/2025 |
Ready for Review-Please note green card was provided and that SSN validation is provided if there is a finding on credit report ( variation), but there isn't one. - Seller-01/13/2025 |
Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-01/14/2025 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.65% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||
| 20250904 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 20250923 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 20250930 | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1815 | 2025-01-10 16:19 | 2025-01-14 14:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Incomplete | Resolved-internet/directory assistance search dated xxx provided. - Due Diligence Vendor-01/14/2025 Ready for Review-Document Uploaded. xxx - Uploaded business listing and address verification - Seller-01/14/2025 Open-Missing business listing and address verification using the internet/directory assistance or business profile websites, etc., as required per the lender's guidelines for a self-employed borrower. The borrower is President of xxx. - Due Diligence Vendor-01/10/2025 |
Ready for Review-Document Uploaded. xxx - Uploaded business listing and address verification - Seller-01/14/2025 |
Resolved-internet/directory assistance search dated xxx provided. - Due Diligence Vendor-01/14/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.02% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.66 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||
| 20250933 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 20250882 | xxx | D | B | A | A | A | A | D | B | Closed | FPRO4876 | 2025-01-13 11:27 | 2025-04-01 13:00 | Waived | 2 - Non-Material | D | B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster area. | Waived-Per xxx disaster guidance, property located outside of impact area per subject zip code and current fire maps. PDI not required at this time. - Due Diligence Vendor-01/29/2025 Open-Property located in confirmed impacted zip code xxx and PDI will be required. - Due Diligence Vendor-01/23/2025 Open-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. Property located in FEMA designated disaster area. Post-Disaster Inspection needed - Due Diligence Vendor-01/13/2025 |
Waived-Per xxx disaster guidance, property located outside of impact area per subject zip code and current fire maps. PDI not required at this time. - Due Diligence Vendor-01/29/2025 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 56.93% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.74% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.66 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxx | ||||
| 20250889 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 20250902 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||||
| 20250926 | xxx | C | A | C | A | A | A | A | A | Closed | FCRE7000 | 2025-01-13 10:55 | 2025-01-17 08:20 | Resolved | 1 - Information | C | A | Credit | Assets | Insufficient Total Liquid Assets Available for Close | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-01/17/2025 Ready for Review-Document Uploaded. Please note that on provided pccd is reflecting the gift funds of $xxx, and its correct the $xxx reflecting on final 1003 were not deposited. - Seller-01/16/2025 Counter-Document Uploaded. Just for clarification, Lender is stating that the Gift Funds letter located on page 68 in the original file and Listed on the Final 1003 iao $xxx was not used and that the correct Gift Funds Letter on page 69 for $xxx is what was used at closing. - Due Diligence Vendor-01/16/2025 Ready for Review-Document Uploaded. Please note that gift amount of $xxx was not deposited, that’s why is not showing on package. The only amount that was deposited was for the gift funds of $xxx. - Seller-01/15/2025 Open-Insufficient Total Liquid Assets Available for Close Missing verification of $xxx Gift Funds needed to down payment/cash to close. The Borrower's non-borrowing spouse executed Gift Letter for $xxx down payment; however, the loan file does not contain evidence the funds were received by the title company for the down payment needed at closing. - Due Diligence Vendor-01/13/2025 |
Ready for Review-Document Uploaded. Please note that on provided pccd is reflecting the gift funds of $xxx, and its correct the $xxx reflecting on final 1003 were not deposited. - Seller-01/16/2025 Ready for Review-Document Uploaded. Please note that gift amount of $xxx was not deposited, that’s why is not showing on package. The only amount that was deposited was for the gift funds of $xxx. - Seller-01/15/2025 |
Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-01/17/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.65% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 32.18 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 32.19 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||
| 20250944 | xxx | D | B | A | A | A | A | D | B | Closed | FPRO4876 | 2025-01-13 11:59 | 2025-04-01 13:02 | Waived | 2 - Non-Material | D | B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster area. | Waived-Per xxx disaster guidance, property located outside of impact area per subject zip code and current fire maps. PDI not required at this time. - Due Diligence Vendor-01/23/2025 Open-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. Property located in FEMA designated disaster area. Post-Disaster Inspection needed. - Due Diligence Vendor-01/13/2025 |
Waived-Per xxx disaster guidance, property located outside of impact area per subject zip code and current fire maps. PDI not required at this time. - Due Diligence Vendor-01/23/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 41.72 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.22% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxx | ||||
| 20250898 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 20250900 | xxx | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2025-01-14 15:42 | 2025-01-16 13:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Property Report provided for xxx showing no HOA. - Due Diligence Vendor-01/16/2025 Ready for Review-Document Uploaded. xxx - Please see uploaded. - Seller-01/15/2025 Open-Missing evidence of no HOA payment for investment property owned at xxx. - Due Diligence Vendor-01/14/2025 |
Ready for Review-Document Uploaded. xxx - Please see uploaded. - Seller-01/15/2025 |
Resolved-Property Report provided for xxx showing no HOA. - Due Diligence Vendor-01/16/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.93 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.93 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 47.65 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||
| 20250913 | xxx | C | A | A | A | C | A | A | A | Closed | FCOM4227 | 2025-01-13 15:29 | 2025-01-16 12:02 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-Received ICD - Due Diligence Vendor-01/16/2025 Ready for Review-Document Uploaded. xxx - Uploaded Initial CD - Seller-01/15/2025 Open-Missing Initial Closing Disclosure - Due Diligence Vendor-01/13/2025 |
Ready for Review-Document Uploaded. xxx - Uploaded Initial CD - Seller-01/15/2025 |
Resolved-Received ICD - Due Diligence Vendor-01/16/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.56 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.55% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 62.39 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||
| 20250913 | xxx | C | A | A | A | C | A | A | A | Closed | finding-3532 | 2025-01-15 09:48 | 2025-01-16 11:51 | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Received ICD - Due Diligence Vendor-01/16/2025 Ready for Review-Document Uploaded. xxx - Uploaded MDIA for INITIAL CD - Seller-01/15/2025 Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. No CD disclosed at least 3 days prior to consummation found in the file - Due Diligence Vendor-01/15/2025 |
Ready for Review-Document Uploaded. xxx - Uploaded MDIA for INITIAL CD - Seller-01/15/2025 |
Resolved-Received ICD - Due Diligence Vendor-01/16/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.56 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.55% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 62.39 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||
| 20250927 | xxx | D | B | A | A | A | A | D | B | Closed | FPRO4876 | 2025-01-14 14:01 | 2025-04-01 13:01 | Waived | 2 - Non-Material | D | B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster area. | Waived-Per xxx disaster guidance, property located outside of impact area per subject zip code and current fire maps. PDI not required at this time. - Due Diligence Vendor-01/23/2025 Open-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. Subject Property is located in the county of xxx - Post Disaster Inspection to be performed after completion or end date of disaster per FEMA. PDI reports provided prior to that date will not be accepted by investor. - Due Diligence Vendor-01/17/2025 |
Waived-Per xxx disaster guidance, property located outside of impact area per subject zip code and current fire maps. PDI not required at this time. - Due Diligence Vendor-01/23/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.74% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.25 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxx | ||||
| 20250927 | xxx | D | B | A | A | A | A | D | B | Closed | FPRO1244 | 2025-01-14 19:20 | 2025-01-17 08:28 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-CU Provided. - Due Diligence Vendor-01/17/2025 Ready for Review-Document Uploaded. - Seller-01/16/2025 Open-Missing CU with Score < 2.5 or CDA as required per guidelines for Loan Amount ≤ $xxx. The loan file contains the appraisal and CU only. - Due Diligence Vendor-01/15/2025 |
Ready for Review-Document Uploaded. - Seller-01/16/2025 |
Resolved-CU Provided. - Due Diligence Vendor-01/17/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.74% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.25 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||
| 20250937 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | |||||||||||||||||||
| 20250859 | xxx | C | B | A | A | C | A | C | B | Closed | FVAL3825 | 2025-01-15 09:56 | 2025-04-01 12:59 | Waived | 2 - Non-Material | C | B | Property | Property Issue | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Waived-Per xxx disaster guidance, property located outside of impact area per subject zip code and current fire maps. PDI not required at this time. - Due Diligence Vendor-01/23/2025 Open-Property located in FEMA designated disaster area. Post-Disaster Inspection needed - Due Diligence Vendor-01/15/2025 |
Waived-Per xxx disaster guidance, property located outside of impact area per subject zip code and current fire maps. PDI not required at this time. - Due Diligence Vendor-01/23/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 70.05 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 70.06 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 41.94% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.96% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 38.83 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 89.07 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxx | ||||
| 20250862 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 20250887 | xxx | D | B | A | A | A | A | D | B | Closed | FPRO4876 | 2025-01-14 17:15 | 2025-04-01 13:01 | Waived | 2 - Non-Material | D | B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster area. | Waived-Per xxx disaster guidance, property located outside of impact area per subject zip code and current fire maps. PDI not required at this time. - Due Diligence Vendor-01/23/2025 Open-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. Property located in FEMA declared disaster county. Disaster is ongoing. Inspection required after stated completion or end date per FEMA, subject to investor requirements - Due Diligence Vendor-01/14/2025 |
Waived-Per xxx disaster guidance, property located outside of impact area per subject zip code and current fire maps. PDI not required at this time. - Due Diligence Vendor-01/23/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 48.19% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.73% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 48 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.75 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxx | ||||
| 20250890 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 20250925 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 20250929 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 20250850 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | |||||||||||||||||||
| 20250878 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||||
| 20250928 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 20250868 | xxx | D | A | D | A | A | A | A | A | Closed | FCRE4322 | 2025-01-17 13:05 | 2025-01-23 09:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing current budget from HOA | Resolved-xxx is a SFR per Property Report provided, No HOA. Mortgage statement provided (Escrowed) - Due Diligence Vendor-01/23/2025 Ready for Review-Document Uploaded. xxx - Uploaded HOA for 19731 Trident - Seller-01/22/2025 Open-Cannot locate HOA proof of payment $xxx monthly forproperty xxx in file. Need HOA proof of payment. - Due Diligence Vendor-01/17/2025 |
Ready for Review-Document Uploaded. xxx - Uploaded HOA for xxx - Seller-01/22/2025 |
Resolved-xxx is a SFR per Property Report provided, No HOA. Mortgage statement provided (Escrowed) - Due Diligence Vendor-01/23/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.86% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 128.37 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 20250852 | xxx | D | A | D | A | A | A | A | A | Closed | FCRE5770 | 2025-01-24 10:47 | 2025-01-28 08:41 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-01/28/2025 Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-01/24/2025 |
Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-01/28/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.61 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.8% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.05 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||||
| 20250852 | xxx | D | A | D | A | A | A | A | A | Closed | FCRE7756 | 2025-01-24 10:55 | 2025-01-28 08:41 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Missing credit report | Resolved-Credit Report is Provided - Due Diligence Vendor-01/28/2025 Ready for Review-Document Uploaded. - Seller-01/27/2025 Open-Provide a copy of the original Credit Report generated at application. - Due Diligence Vendor-01/24/2025 |
Ready for Review-Document Uploaded. - Seller-01/27/2025 |
Resolved-Credit Report is Provided - Due Diligence Vendor-01/28/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.61 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.8% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.05 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 20250886 | xxx | D | B | D | A | A | A | D | B | Closed | FPRO4876 | 2025-01-28 14:43 | 2025-04-01 13:01 | Waived | 2 - Non-Material | D | B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster area. | Waived-Per xxx disaster guidance, property located outside of impact area per subject zip code and current fire maps. PDI not required at this time. - Due Diligence Vendor-01/29/2025 Open-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. Property located in FEMA declared disaster county. Disaster is ongoing. Inspection required after stated completion or end date per FEMA, subject to investor requirements. - Due Diligence Vendor-01/28/2025 |
Waived-Per xxx disaster guidance, property located outside of impact area per subject zip code and current fire maps. PDI not required at this time. - Due Diligence Vendor-01/29/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.73 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 17.59% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.08 Years |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxx | ||||
| 20250886 | xxx | D | B | D | A | A | A | D | B | Closed | FCRE1503 | 2025-01-27 13:05 | 2025-02-03 12:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Tax Cert, HOI, Final CD & Note provided for xxx. The xxx Property has not closed yet, Tax cert HOA & HOI provided. - Due Diligence Vendor-02/03/2025 Ready for Review-Document Uploaded. xxx - Uploaded Tax, HOI, HOA, FSS, Note & Final CD for property xxx. Also uploaded Tax, HOI & HOA for property xxx and please note that this loan hasn't in closing yet. Therefore, there is no mrtg statement available as of the moment. - Seller-02/01/2025 Open-Missing verification of following REO new mortgages reflected on Final 1003: -xxx -xxx #xxx $xxx (P&I Only) -xxx info xxx #xxx total escrowed mortgage statement $xxx - Due Diligence Vendor-01/27/2025 |
Ready for Review-Document Uploaded. xxx - Uploaded Tax, HOI, HOA, FSS, Note & Final CD for property xxx. Also uploaded Tax, HOI & HOA for property xxx and please note that this loan hasn't in closing yet. Therefore, there is no mrtg statement available as of the moment. - Seller-02/01/2025 |
Resolved-Tax Cert, HOI, Final CD & Note provided for xxx. The xxx Property has not closed yet, Tax cert HOA & HOI provided. - Due Diligence Vendor-02/03/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.73 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 17.59% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.08 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 20251165 | xxx | C | A | A | A | C | A | A | A | Closed | finding-3734 | 2025-01-29 15:14 | 2025-03-04 08:03 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID Foreclosure Rescission Total of Payments Test | Resolved-Copy of restitution check in the amount of $xxx and proof of mailing has been provided. - Due Diligence Vendor-03/04/2025 Ready for Review-xxx - Uploaded revised PCCD/Check and tracking info. - Seller-03/03/2025 Counter- Lender excluded Appraisal CDA/PDC fee of $xxx from their TOP calculations. Copy of the restitution check to the borrower in the amount of xxx and proof of mailing is required. (cannot be cleared with a PCCD nor is a PCCD required) - Due Diligence Vendor-02/03/2025 Ready for Review-xxx - CDA/PDC fee has been there since the Initial LE (page 546) and not only added at the Final CD. - Seller-01/31/2025 Open-The loan failed the TRID Total of Payment test. In comparing with the lender's Loan Detail Report in the file, it is determined that the lender excluded Appraisal CDA/PDC fee of $xxx from their TOP calculations. - Due Diligence Vendor-01/30/2025 |
Ready for Review-xxx - Uploaded revised PCCD/Check and tracking info. - Seller-03/03/2025 Ready for Review-xxx - CDA/PDC fee has been there since the Initial LE (page 546) and not only added at the Final CD. - Seller-01/31/2025 |
Resolved-Copy of restitution check in the amount of $xxx and proof of mailing has been provided. - Due Diligence Vendor-03/04/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.64 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.64 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.83 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 95.37 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 20251165 | xxx | C | A | A | A | C | A | A | A | Closed | finding-3732 | 2025-01-29 15:14 | 2025-03-03 08:43 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID Total of Payments Test | Resolved-Copy of restitution check in the amount of $xxx and proof of mailing has been provided. - Due Diligence Vendor-03/03/2025 Ready for Review-Document Uploaded. xxx - Uploaded revised PCCD/Check and tracking info. - Seller-03/01/2025 Counter- Lender excluded Appraisal CDA/PDC fee of $xxx from their TOP calculations. Copy of the restitution check to the borrower in the amount of xxx and proof of mailing is required. (cannot be cleared with a PCCD nor is a PCCD required) - Due Diligence Vendor-02/03/2025 Ready for Review-xxx - CDA/PDC fee has been there since the Initial LE (page 546) and not only added at the Final CD. - Seller-01/31/2025 Open-This loan failed the TRID total of payments test. ( 12 CFR §1026.18(o)(1) )The total of payments is $xxx. The disclosed total of payments of $xxx is not considered accurate because it is understated by more than $xxx and the provided reimbursement amount of $0.00 is not sufficient to cure the inaccuracy.**The loan failed the TRID Total of Payment test. In comparing with the lender's Loan Detail Report in the file, it is determined that the lender excluded Appraisal CDA/PDC fee of $xxx from their TOP calculations. - Due Diligence Vendor-01/30/2025 |
Ready for Review-Document Uploaded. xxx - Uploaded revised PCCD/Check and tracking info. - Seller-03/01/2025 Ready for Review-xxx - CDA/PDC fee has been there since the Initial LE (page 546) and not only added at the Final CD. - Seller-01/31/2025 |
Resolved-Copy of restitution check in the amount of $xxx and proof of mailing has been provided. - Due Diligence Vendor-03/03/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.64 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.64 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.83 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 95.37 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 20250947 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 20250946 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 20251161 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 20251154 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 20250948 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 20251193 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 20251139 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||||
| 20251167 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 20251189 | xxx | D | B | D | A | A | A | D | B | Closed | FPRO4876 | 2025-02-07 12:57 | 2025-06-02 13:38 | Waived | 2 - Non-Material | D | B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster area. | Waived- - Due Diligence Vendor-06/02/2025 Waived-Per investor disaster guidance, property located outside of impact area per subject zip code and current fire maps. PDI not required at this time. - Due Diligence Vendor-02/12/2025 Ready for Review-Please refer to page 316 (supplemental addendum) of the loan package, stating "At time of inspection on xxx, there was no damage to the recent wildfires in the area." - Seller-02/12/2025 Open-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. Property located in FEMA declared disaster county. Disaster is ongoing. Inspection required after stated completion or end date per FEMA, subject to investor requirements. - Due Diligence Vendor-02/07/2025 |
Ready for Review-Please refer to page 316 (supplemental addendum) of the loan package, stating "At time of inspection on xxx, there was no damage to the recent wildfires in the area." - Seller-02/12/2025 |
Waived-Per investor disaster guidance, property located outside of impact area per subject zip code and current fire maps. PDI not required at this time. - Due Diligence Vendor-02/12/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.53 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.99% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.82 Years |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Post-Close | No | xxx | |||
| 20251189 | xxx | D | B | D | A | A | A | D | B | Closed | FCRE1479 | 2025-02-11 12:45 | 2025-02-12 08:37 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Asset 1 Meets Guideline Requirements - Due Diligence Vendor-02/12/2025 Ready for Review-Document Uploaded. - Seller-02/12/2025 Open-Asset 1 Less Than 2 Months Verified Missing verification asset account with xxx ending #xxx was open for 60 days. The loan file contains a VOD dated xxx, but is missing an open date. Per guidelines, Acceptable Asset Statements (Account has to be opened more than 60 days): Bank Certification documenting current balance and opening date 2 months bank statement VOD Bank prepared and stamped 60 days transaction history print-out. - Due Diligence Vendor-02/11/2025 |
Ready for Review-Document Uploaded. - Seller-02/12/2025 |
Resolved-Asset 1 Meets Guideline Requirements - Due Diligence Vendor-02/12/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.53 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.99% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.82 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | ||
| 20251189 | xxx | D | B | D | A | A | A | D | B | Closed | FCRE7497 | 2025-02-11 10:40 | 2025-02-12 08:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Mortgage statement provided (escrowed) and property does not have HOA - Due Diligence Vendor-02/12/2025 Ready for Review-Document Uploaded. - Seller-02/12/2025 Ready for Review-Document Uploaded. Please note that xxx has no HOA payment., - Seller-02/12/2025 Open-The net rental income (estimated) for Other investment property at xxx is -$xxx using the PITI payment per the mortgage statement p. 421 verifying escrows. However, lender guidelines required verification of the tax, insurance and HOA payment. - Due Diligence Vendor-02/11/2025 |
Ready for Review-Document Uploaded. - Seller-02/12/2025 Ready for Review-Document Uploaded. Please note that xxx has no HOA payment., - Seller-02/12/2025 |
Resolved-Mortgage statement provided (escrowed) and property does not have HOA - Due Diligence Vendor-02/12/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.53 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.99% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.82 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | ||
| 20251159 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 20251171 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 20251180 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 20251187 | xxx | C | A | C | A | A | A | A | A | Closed | FCRE5047 | 2025-02-11 11:21 | 2025-02-12 09:54 | Resolved | 1 - Information | C | A | Credit | Title | Amount of title insurance is less than mortgage amount | Resolved-Title Supplement provided. - Due Diligence Vendor-02/12/2025 Ready for Review-Document Uploaded. - Seller-02/12/2025 Open-Need updated title insurance policy showing dollar amount of coverage sufficient to cover loan amount. - Due Diligence Vendor-02/11/2025 |
Ready for Review-Document Uploaded. - Seller-02/12/2025 |
Resolved-Title Supplement provided. - Due Diligence Vendor-02/12/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 50.2 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.46% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||
| 20251188 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | |||||||||||||||||||
| 20251197 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 20251213 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 20251107 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | |||||||||||||||||||
| 20251127 | xxx | A | A | A | A | A | A | A | A | Closed | FCRE5116 | 2025-02-13 12:23 | 2025-02-14 13:39 | Resolved | 1 - Information | A | A | Credit | Missing Doc | VOM or VOR missing/required | Resolved- - Due Diligence Vendor-02/14/2025 Rescinded-VOR/VOM not required for land installment per xxx guidelines. - Due Diligence Vendor-02/14/2025 Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing 12 months cancelled checks or 12 months bank statements for the most recent 12 months mortgage payments for the subject property. Per lender guidelines, a Private Lender requires 12 months cancelled checks or 12 months bank statements to document mortgage. If mortgage rating is reported on Credit Supplement, then 12 months cancelled checks or 12 months bank statements are not required. The mortgage does it appear on the credit report, no supplement was provided. The monthly PITI payment per the Note provided is $xxx. - Due Diligence Vendor-02/13/2025 |
Rescinded-VOR/VOM not required for land installment per xxx guidelines. - Due Diligence Vendor-02/14/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 17.19% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx | ||||
| 20251146 | xxx | D | B | A | A | A | A | D | B | Closed | FPRO4876 | 2025-02-11 13:18 | 2025-06-02 13:39 | Waived | 2 - Non-Material | D | B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster area. | Waived- - Due Diligence Vendor-06/02/2025 Waived-Per investor disaster guidance, property located outside of impact area per subject zip code and current fire maps. PDI not required at this time. - Due Diligence Vendor-02/18/2025 Ready for Review-Document Uploaded. - Seller-02/14/2025 Open-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. Property located in FEMA declared disaster county. Disaster is ongoing. Inspection required after stated completion or end date per FEMA, subject to investor requirements - Due Diligence Vendor-02/11/2025 |
Ready for Review-Document Uploaded. - Seller-02/14/2025 |
Waived-Per investor disaster guidance, property located outside of impact area per subject zip code and current fire maps. PDI not required at this time. - Due Diligence Vendor-02/18/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.25 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 16.12% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 31.22% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 23.36 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 23.16 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 112.39 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 31 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxx | ||
| 20251155 | xxx | D | A | A | A | D | A | A | A | Closed | FCOM1231 | 2025-02-13 12:59 | 2025-02-19 08:30 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-File contains a Signature Cert from the LO located on page 23 in the original file for Initial 1003 - Due Diligence Vendor-02/19/2025 Resolved-The Initial 1003 is Present - Due Diligence Vendor-02/19/2025 Ready for Review-Please refer to page 13-25 (Initial 1003) of the loan package. - Seller-02/13/2025 Open-Please provide executed Initial 1003. Executed Initial 1003 is missing from the loan file. - Due Diligence Vendor-02/13/2025 |
Ready for Review-Please refer to page 13-25 (Initial 1003) of the loan package. - Seller-02/13/2025 |
Resolved-File contains a Signature Cert from the LO located on page 23 in the original file for Initial 1003 - Due Diligence Vendor-02/19/2025 Resolved-The Initial 1003 is Present - Due Diligence Vendor-02/19/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 112.66 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.17% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 20251169 | xxx | D | B | A | A | A | A | D | B | Closed | FPRO4876 | 2025-02-11 14:56 | 2025-06-02 13:40 | Waived | 2 - Non-Material | D | B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster area. | Waived- - Due Diligence Vendor-06/02/2025 Resolved-Per xxx disaster guidance, property located outside of immediate impact area. PDI reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-02/14/2025 Ready for Review-Document Uploaded. xxx - Uploaded DIR Cert - Seller-02/14/2025 Open-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. Property located in FEMA declared disaster county. Disaster is ongoing. Inspection required after stated completion or end date per FEMA, subject to investor requirements. - Due Diligence Vendor-02/11/2025 |
Ready for Review-Document Uploaded. xxx - Uploaded DIR Cert - Seller-02/14/2025 |
Resolved-Per xxx disaster guidance, property located outside of immediate impact area. PDI reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-02/14/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 52.27 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.98 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.41 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.25 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.08% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | Originator Post-Close | No | xxx | ||
| 20251181 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 20251191 | xxx | D | A | D | A | A | A | A | A | Closed | FCRE6019 | 2025-02-12 15:26 | 2025-02-18 10:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-02/18/2025 Ready for Review-Document Uploaded. xxx - Uploaded Green Card - Seller-02/14/2025 Open-Borrower 1 Citizenship Documentation Is Missing Missing copy of Resident Alien card. The final loan application states the Borrower is a US Citizen; however, the USA Patriot Act form provided confirms the Borrower is Resident Alien. The loan file contains confirmation of the borrower's SSN is valid. - Due Diligence Vendor-02/12/2025 |
Ready for Review-Document Uploaded. xxx - Uploaded Green Card - Seller-02/14/2025 |
Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-02/18/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 43.96 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||
| 20250950 | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1198 | 2025-02-11 13:57 | 2025-02-14 07:50 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of xxx are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-02/14/2025 Ready for Review-Document Uploaded. - Seller-02/14/2025 Open-Audited Reserves of xxx are less than Guideline Required Reserves of 6 Provide documentation to support the purchase contract deposit of $xxx. - Due Diligence Vendor-02/11/2025 |
Ready for Review-Document Uploaded. - Seller-02/14/2025 |
Resolved-Audited Reserves of xxx are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-02/14/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 28.83 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 28.82 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.59% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | ||
| 20250950 | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1815 | 2025-02-13 11:32 | 2025-02-14 07:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Incomplete | Resolved-Business Documents provided. - Due Diligence Vendor-02/14/2025 Ready for Review-Document Uploaded. - Seller-02/14/2025 Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Provide the EIN number for xxx. - Due Diligence Vendor-02/13/2025 |
Ready for Review-Document Uploaded. - Seller-02/14/2025 |
Resolved-Business Documents provided. - Due Diligence Vendor-02/14/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 28.83 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 28.82 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.59% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | ||
| 20251111 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 20251135 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | |||||||||||||||||||
| 20251138 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 20251150 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | |||||||||||||||||||
| 20251152 | xxx | C | A | C | A | A | A | A | A | Closed | FCRE1726 | 2025-02-14 11:08 | 2025-02-19 10:52 | Resolved | 1 - Information | C | A | Credit | Borrower | Potential Identity Issues identified in the file | Resolved-I-797C form in file shows extension is up to 540 days - Due Diligence Vendor-02/19/2025 Ready for Review-02/18 - You can see on Form I-797C that the automatic extension is up to 540 days - Seller-02/18/2025 Open-Borrower is Non-perm Resident Alien. EAD card is showing expired as of xxx. (pg 284). Per Guidelines: Non-Permanent Resident Aliens must provide the following: o Acceptable Visa and/or EAD card with minimum 90 days remaining on expiration date at time of funding. EAD card with less than 90 days remaining requires evidence of application for extension. Unable to locate evidence of application for extension in file. - Due Diligence Vendor-02/14/2025 |
Ready for Review-xxx - You can see on Form I-797C that the automatic extension is up to 540 days - Seller-02/18/2025 |
Resolved-I-797C form in file shows extension is up to 540 days - Due Diligence Vendor-02/19/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.11% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||
| 20251156 | xxx | D | A | A | A | D | A | A | A | Closed | FCOM7607 | 2025-02-12 16:59 | 2025-03-04 08:05 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | ROR missing critical data (expiration date / funding date) | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-03/04/2025 Ready for Review-Document Uploaded. - Seller-03/03/2025 Counter-Correct NORTC provided xxx, also shows the Borrower exercised their "Right To Cancel". - Due Diligence Vendor-02/28/2025 Ready for Review-Document Uploaded. - Seller-02/27/2025 Counter-******Sending a new Right to Cancel to the borrower for execution after consummation, re-opened the rescission period. Borrower exercised their "Right To Cancel". - Due Diligence Vendor-02/27/2025 Ready for Review-Document Uploaded. - Seller-02/26/2025 Open-ROR available on page 247, 248, however signing reflect xxx but cancel date reflect to xxx instead of xxx. Provide the cancel date reflect on xxx. - Due Diligence Vendor-02/12/2025 |
Ready for Review-Document Uploaded. - Seller-03/03/2025 Ready for Review-Document Uploaded. - Seller-02/27/2025 Ready for Review-Document Uploaded. - Seller-02/26/2025 |
Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-03/04/2025 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 43.18% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.76% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 89.27 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 20251130 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 20251133 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 20251134 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 20251170 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 20251175 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 20251176 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 20251194 | xxx | D | B | A | A | A | A | D | B | Closed | FPRO4876 | 2025-02-14 17:43 | 2025-06-02 13:41 | Waived | 2 - Non-Material | D | B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster area. | Waived- - Due Diligence Vendor-06/02/2025 Waived-Per investor disaster guidance, property located outside of impact area per subject zip code and current fire maps. PDI not required at this time. - Due Diligence Vendor-03/07/2025 Open-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. Property located in FEMA declared disaster county. Disaster is ongoing. Inspection required after stated completion or end date per FEMA, subject to investor requirements. FEMA Disaster: xxx xxx, Incident Period: xxx - xxx, Declaration Date: xxx. - Due Diligence Vendor-02/14/2025 |
Waived-Per investor disaster guidance, property located outside of impact area per subject zip code and current fire maps. PDI not required at this time. - Due Diligence Vendor-03/07/2025 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.28% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.01 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 32.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 27.76 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 7.84% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | xxx | ||||
| 20251163 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 20251172 | xxx | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2025-02-14 06:19 | 2025-02-19 12:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Property report provided. - Due Diligence Vendor-02/19/2025 Ready for Review-Document Uploaded. xxx - Uploaded property profile for xxx - Seller-02/19/2025 Open-For property #xxx the tax document is missing - Due Diligence Vendor-02/14/2025 |
Ready for Review-Document Uploaded. xxx - Uploaded property profile for xxx - Seller-02/19/2025 |
Resolved-Property report provided. - Due Diligence Vendor-02/19/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.05% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.12 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||
| 20251182 | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1468 | 2025-02-14 01:56 | 2025-02-21 08:35 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 2 Missing | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-02/21/2025 Ready for Review-Document Uploaded. - Seller-02/20/2025 Open-Asset 2 Missing Proceeds from sale of property - Missing final settlement statement showing net proceeds in the amount of $xxx - Due Diligence Vendor-02/14/2025 |
Ready for Review-Document Uploaded. - Seller-02/20/2025 |
Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-02/21/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.78 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.84 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | ||
| 20250949 | xxx | D | A | D | A | C | A | A | A | Closed | FCRE1469 | 2025-02-14 03:10 | 2025-02-20 09:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 3 Missing | Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-02/20/2025 Ready for Review-Document Uploaded. xxx: Please see attached revised final 1003. Final funds came from xxx and end up not using those xxx gift. - Seller-02/20/2025 Open-Asset 3 Missing Missing Gift Letter - Due Diligence Vendor-02/14/2025 |
Ready for Review-Document Uploaded. xxx: Please see attached revised final 1003. Final funds came from xxx and end up not using those xxx gift. - Seller-02/20/2025 |
Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-02/20/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.58 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.12 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||
| 20250949 | xxx | D | A | D | A | C | A | A | A | Closed | FCOM4227 | 2025-02-14 08:52 | 2025-02-20 08:21 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-FCD_ received, data entered, no additional compliance findings. - Due Diligence Vendor-02/20/2025 Ready for Review-Document Uploaded. Please see attached Final CD, Disbursement Date and Funded Date same xxx. - Seller-02/19/2025 Open-Final Closing Disclosure Missing **Lender to provide copy of the Final CD and evidence of correct disbursement date. - Due Diligence Vendor-02/19/2025 |
Ready for Review-Document Uploaded. Please see attached Final CD, Disbursement Date and Funded Date same xxx. - Seller-02/19/2025 |
Resolved-FCD_ received, data entered, no additional compliance findings. - Due Diligence Vendor-02/20/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.58 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.12 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||
| 20251192 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||||
| 20251200 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 20251201 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 20251207 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | |||||||||||||||||||
| 20250951 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 20251209 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 20251210 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 20251211 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 20251214 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 20251216 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 20251119 | xxx | D | B | A | A | A | A | D | B | Closed | FPRO4876 | 2025-02-19 16:28 | 2025-06-02 13:42 | Waived | 2 - Non-Material | D | B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster area. | Waived- - Due Diligence Vendor-06/02/2025 Resolved-Per xxx disaster guidance, property located outside of immediate impact area. PDI reflects no damage or impact to marketability and is acceptable - DIR located in original file page 293. - Due Diligence Vendor-02/20/2025 Ready for Review-xxx: DIR cert in included on loan package showing no damage, see pages 293-296. - Seller-02/20/2025 Open-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. - Due Diligence Vendor-02/19/2025 |
Ready for Review-xxx: DIR cert in included on loan package showing no damage, see pages 293-296. - Seller-02/20/2025 |
Resolved-Per xxx disaster guidance, property located outside of immediate impact area. PDI reflects no damage or impact to marketability and is acceptable - DIR located in original file page 293. - Due Diligence Vendor-02/20/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.97% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.35 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.46% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.50 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.16 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | xxx | |||
| 20251128 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 20251151 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 20251196 | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1467 | 2025-02-19 16:32 | 2025-02-25 09:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-02/25/2025 Ready for Review-Document Uploaded. xxx - Uploaded rebuttal - Seller-02/25/2025 Counter-Document Uploaded. Per xxx Guidelines: Acceptable Asset Statements (Account has to be opened more than 60 days): Bank Certification documenting current balance and opening date - 2 months bank statement - VOD - Bank prepared and stamped 60 days transaction history print-out. Missing full statement for xxx #xxx - File only contains 1 Full statement from xxx-xxx - Due Diligence Vendor-02/21/2025 Ready for Review-xxx - We do not need 2 consecutive months for bank statements. The purpose for the 2 months requiring is to see 2 month bank statement"seasoning" - Seller-02/20/2025 Open-Asset 1 Less Than 2 Months Verified The guidelines require 2 months bank statements. The file contains one full statement for xxx #xxx from xxx xxx-xxx - xxx xxx, xxx and a partial statement covering xxx, xxx- xxx,xxx. - Due Diligence Vendor-02/19/2025 |
Ready for Review-Document Uploaded. xxx - Uploaded rebuttal - Seller-02/25/2025 Ready for Review-xxx - We do not need 2 consecutive months for bank statements. The purpose for the 2 months requiring is to see 2 month bank statement"seasoning" - Seller-02/20/2025 |
Resolved-Asset 1 Provided - Due Diligence Vendor-02/25/2025 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.91 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 26.25 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.38 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 19.74% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | ||
| 20251219 | xxx | D | A | D | A | A | A | A | A | Closed | FCRE7347 | 2025-02-19 13:29 | 2025-02-21 10:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Lease Agreements & Zillow (internet search) provided for xxx and xxx - Due Diligence Vendor-02/21/2025 Ready for Review-Document Uploaded. xxx - Uploaded lease agreement & zillow for xxx, xxx, xxx xxx, xxx - Seller-02/21/2025 Open-Rental income should be verified from executed lease agreement(s) and internet searches (i.e. Zillow, rentometer, etc) and the lower rental income will be used for qualifying. Missing internet searches for the following properties: xxx, xxx - Due Diligence Vendor-02/19/2025 |
Ready for Review-Document Uploaded. xxx - Uploaded lease agreement & zillow for xxx, xxx, xxx xxx, xxx- Seller-02/21/2025 |
Resolved-Lease Agreements & Zillow (internet search) provided for xxx and xxx - Due Diligence Vendor-02/21/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.24 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||
| 20251126 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 20251140 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 20251183 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 20251203 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 20251218 | xxx | C | A | C | A | A | A | A | A | Closed | FCRE1501 | 2025-02-20 09:59 | 2025-02-24 08:44 | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower Identification Documentation Partially Provided | Resolved-US Patriot Act form states xxx - Due Diligence Vendor-02/24/2025 Ready for Review-Rebuttal/Comment: Please note that the date on Patriot Act is actually xxx - Seller-02/22/2025 Open-xxx xxx Drivers License is expired as of xxx - Due Diligence Vendor-02/20/2025 |
Ready for Review-Rebuttal/Comment: Please note that the date on Patriot Act is actually xxx - Seller-02/22/2025 |
Resolved-US Patriot Act form states xxx - Due Diligence Vendor-02/24/2025 |
Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.11 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.90 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.82% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||
| 20251220 | xxx | D | B | A | A | A | A | D | B | Closed | FPRO4876 | 2025-02-19 15:41 | 2025-06-02 13:42 | Waived | 2 - Non-Material | D | B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster area. | Waived-Per investor disaster guidance, property located outside of impact area per subject zip code and current fire maps. PDI not required at this time. - Due Diligence Vendor-02/24/2025 Ready for Review-xxx - Please note that appraisal date is xxx. Also, see page 225 of the loan package showing appraiser comment: Per exterior and interior inspection, there is no obvious damage to the subject's roof or any part of the structure. There is no obvious damage to any properties on the subject's street or within the neighborhood at the time of inspection. The recently declared FEMA Disaster area disaster (fire) declaration had no Affect on value or marketability of the subjects or the homes within the neighborhood. - Seller-02/21/2025 Open-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. Property located in FEMA designated disaster area. Post-Disaster Inspection needed - Due Diligence Vendor-02/19/2025 |
Ready for Review-xxx - Please note that appraisal date is xxx. Also, see page 225 of the loan package showing appraiser comment: Per exterior and interior inspection, there is no obvious damage to the subject's roof or any part of the structure. There is no obvious damage to any properties on the subject's street or within the neighborhood at the time of inspection. The recently declared FEMA Disaster area disaster (fire) declaration had no Affect on value or marketability of the subjects or the homes within the neighborhood. - Seller-02/21/2025 |
Waived-Per investor disaster guidance, property located outside of impact area per subject zip code and current fire maps. PDI not required at this time. - Due Diligence Vendor-02/24/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.64 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxx | |||
| 20251185 | xxx | D | B | A | A | A | A | D | B | Closed | FPRO4876 | 2025-02-21 16:28 | 2025-06-02 13:43 | Waived | 2 - Non-Material | D | B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster area. | Waived- - Due Diligence Vendor-06/02/2025 Resolved-Per xxx disaster guidance, property located outside of immediate impact area. PDI reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-02/24/2025 Ready for Review-Document Uploaded. xxx - Uploaded DIR Cert - Seller-02/21/2025 Ready for Review-xxx - Please note that appraisal date is xxx. Also, see page 225 of the loan package showing appraiser comment: Per exterior and interior inspection, there is no obvious damage to the subject's roof or any part of the structure. There is no obvious damage to any properties on the subject's street or within the neighborhood at the time of inspection. The recently declared FEMA Disaster area disaster (fire) declaration had no Affect on value or marketability of the subjects or the homes within the neighborhood. - Seller-02/21/2025 Open-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. - Due Diligence Vendor-02/21/2025 |
Ready for Review-Document Uploaded. xxx - Uploaded DIR Cert - Seller-02/21/2025 Ready for Review-xxx - Please note that appraisal date is xxx. Also, see page 225 of the loan package showing appraiser comment: Per exterior and interior inspection, there is no obvious damage to the subject's roof or any part of the structure. There is no obvious damage to any properties on the subject's street or within the neighborhood at the time of inspection. The recently declared FEMA Disaster area disaster (fire) declaration had no Affect on value or marketability of the subjects or the homes within the neighborhood. - Seller-02/21/2025 |
Resolved-Per xxx disaster guidance, property located outside of immediate impact area. PDI reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-02/24/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.34% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16.25 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 75.19 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | xxx | ||
| 20251148 | xxx | C | A | C | A | A | A | A | A | Closed | FCRE1198 | 2025-02-21 14:47 | 2025-02-26 12:29 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of xxx are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-02/26/2025 Ready for Review-02/25 - We do not need 2 consecutive months for bank statements. The purpose for the 2 months requiring is to see 2 month bank statement"seasoning" - Seller-02/26/2025 Open-Audited Reserves of are less than Guideline Required Reserves of 6 xxx savings account #xxx &Money market account #xxx transaction history not shows in the provided statement, need transaction history to verify the asset for both accounts. - Due Diligence Vendor-02/21/2025 |
Ready for Review-xxx - We do not need 2 consecutive months for bank statements. The purpose for the 2 months requiring is to see 2 month bank statement"seasoning" - Seller-02/26/2025 |
Resolved-Audited Reserves of xxx are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-02/26/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.64 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 31.30 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.32% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 29 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 31.30 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||
| 20251202 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |