J.P. Morgan Acceptance Corporation II ABS-15G
Exhibit 99.3
| Customer Loan ID | Loan Exception ID | Exception ID | Exception Date | Exception Type | Exception Category | Exception Subcategory | 15E Category | Exception | Exception Detail | Exception Information | Compensating Factors | Compensating Factor Information | Applying Party | Follow-up Comments | Cleared Date | Cured Date | Waived Date | Exception Level Grade | DBRS Initial Exception Rating | DBRS Final Exception Rating | Fitch Initial Exception Rating | Fitch Final Exception Rating | Kroll Initial Exception Rating | Kroll Final Exception Rating | Moody's Initial Exception Rating | Moody's Final Exception Rating | S&P Initial Exception Rating | S&P Final Exception Rating | Note Date | Property State | Occupancy | Purpose | Exception Remediation | Overall Initial Loan Grade |
Overall Final Loan Grade |
Credit Initial Loan Grade |
Credit Final Loan Grade |
Compliance Initial Loan Grade |
Compliance Final Loan Grade |
Property Initial Loan Grade |
Property Final Loan Grade |
Originator QM ATR Status | TPR QM ATR Status | Is Curable |
| 303766016 | 26949832 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - REO 25% Method | Ability to Repay (Dodd-Frank 2014): Unable to verify Real Estate Owned income (25% Method) using reasonably reliable third-party records. | xxxx | xxxx |
10/12/2022 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | D | B | C | B | C | A | D | A | N/A | N/A | No | |||||||||
| 303766016 | 26949833 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 46.58925% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) | xxxx | xxxx |
10/26/2022 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | D | B | C | B | C | A | D | A | N/A | N/A | No | |||||||||
| 303766016 | 26949834 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | xxxx | xxxx |
10/12/2022 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Investment | Purchase | D | B | C | B | C | A | D | A | N/A | N/A | No | |||||||||
| 303766016 | 26949835 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Lump Sum Allocation | Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset finance charges based on separate itemization of credit pursuant to client's election. If there is not an itemization of credit in file, lump sum credit applied using waterfall (non-finance charges first, then finance charges). | xxxx | xxxx |
10/26/2022 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Investment | Purchase | D | B | C | B | C | A | D | A | N/A | N/A | No | |||||||||
| 303766016 | 26949836 | Compliance | Compliance | Federal Compliance | TRID | TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD | TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. | xxxx | xxxx |
10/26/2022 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Investment | Purchase | Letter of Explanation & Corrected Closing Disclosure | D | B | C | B | C | A | D | A | N/A | N/A | Yes | ||||||||
| 303766016 | 26949861 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | xxxx | xxxx |
10/26/2022 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | D | B | C | B | C | A | D | A | N/A | N/A | No | ||||||||||
| 303766016 | 26950037 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 | xxxx | xxxx |
10/12/2022 | 1 | D | A | D | A | D | A | D | A | D | A | CA | Investment | Purchase | D | B | C | B | C | A | D | A | N/A | N/A | No | ||||||||||
| 303766016 | 26950043 | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | xxxx |
10/12/2022 | 1 | B | A | B | A | B | A | B | A | B | A | CA | Investment | Purchase | D | B | C | B | C | A | D | A | N/A | N/A | No | |||||||||||
| 303766016 | 26950049 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | xxxx |
10/12/2022 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Investment | Purchase | D | B | C | B | C | A | D | A | N/A | N/A | No | |||||||||||
| 303766016 | 26950198 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx | xxxx |
10/26/2022 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | D | B | C | B | C | A | D | A | N/A | N/A | No | |||||||||
| 303766016 | 26950553 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Per xxxx overlay, properties zoned Agricultural are ineligible | The representative FICO score exceeds the guideline minimum by at least 40 points. Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than x years. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The representative FICO score is above 680. |
728 FICO | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
10/19/2022 | 2 | C | B | C | B | C | B | C | B | C | B | CA | Investment | Purchase | D | B | C | B | C | A | D | A | N/A | N/A | No | |||||||
| 303973428 | 28651312 | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | xxxx | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | B | B | A | A | A | A | N/A | N/A | No | ||||||||||||
| 303967952 | 28672104 | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | B | B | A | A | A | A | N/A | N/A | No | |||||||||||||
| 304381786 | 31423724 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | xxxx | xxxx |
09/03/2024 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | D | B | D | B | A | A | D | A | N/A | N/A | No | ||||||||||
| 304381786 | 31423748 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | xxxx | xxxx |
09/03/2024 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | D | B | D | B | A | A | D | A | N/A | N/A | No | ||||||||||
| 304381786 | 31423765 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | xxxx | xxxx |
09/03/2024 | 1 | D | A | D | A | D | A | D | A | D | A | CA | Investment | Purchase | D | B | D | B | A | A | D | A | N/A | N/A | No | ||||||||||
| 304381786 | 31423776 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003/Declarations: F. Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application? reflects Yes. Missing documented and/or does not meet guideline requirements. | - | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. Borrower has been employed in the same industry for more than 5 years. Borrower has worked in the same position for more than x years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than or equal to 70%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score is above 680. |
813 FICO | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
09/13/2024 | 2 | C | B | C | B | C | B | C | B | C | B | CA | Investment | Purchase | D | B | D | B | A | A | D | A | N/A | N/A | No | ||||||
| 304381786 | 31423793 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 | xxxx | xxxx |
09/03/2024 | 1 | D | A | D | A | D | A | D | A | D | A | CA | Investment | Purchase | D | B | D | B | A | A | D | A | N/A | N/A | No | ||||||||||
| 304381786 | 31423841 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | xxxx | xxxx |
09/03/2024 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | D | B | D | B | A | A | D | A | N/A | N/A | No | ||||||||||
| 304381786 | 31430611 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx |
09/04/2024 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | D | B | D | B | A | A | D | A | N/A | N/A | No | |||||||||
| 304381786 | 31430620 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx | xxxx |
09/03/2024 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | D | B | D | B | A | A | D | A | N/A | N/A | No | |||||||||
| 304381786 | 31431286 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx | xxxx |
09/11/2024 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | D | B | D | B | A | A | D | A | N/A | N/A | No | |||||||||
| 304381786 | 31431288 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx |
09/09/2024 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | D | B | D | B | A | A | D | A | N/A | N/A | No | |||||||||
| 304381786 | 31431292 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx |
09/03/2024 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | D | B | D | B | A | A | D | A | N/A | N/A | No | |||||||||
| 304381786 | 31563918 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing the xxxx personal tax returns. | xxxx |
09/03/2024 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | D | B | D | B | A | A | D | A | N/A | N/A | No | |||||||||
| 304382664 | 31633468 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | xxxx | xxxx |
09/24/2024 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 304387766 | 31641819 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | xxxx | xxxx |
09/27/2024 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||
| 304386540 | 31649194 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx | xxxx |
09/24/2024 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||
| 304386540 | 31649200 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx | xxxx |
09/24/2024 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||
| 304386968 | 31656616 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | xxxx | xxxx |
10/23/2024 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 304386968 | 31658582 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | xxxx |
09/20/2024 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 304330783 | 31762578 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | xxxx | xxxx |
10/03/2024 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 304385199 | 31764749 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | xxxx | xxxx |
10/04/2024 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 304393180 | 31877057 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx |
10/15/2024 | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||
| 304393180 | 31877146 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx |
10/15/2024 | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||
| 304384693 | 31887323 | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Missing HO-6 policy, blanket hazard insurance policy provided does not contain unit interior coverage. | xxxx |
10/15/2024 | 1 | C | A | C | A | C | A | C | A | C | A | MA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 304398651 | 31909620 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (2024). FNMA Finance Charge total $xxxx on a Original Loan Amount of $xxxx vs. an allowable total of $xxxx and $1000.00 (2024) (an overage of $xxxx or xxxx%). | 2 | B | B | B | B | B | B | B | B | B | B | NY | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | N/A | N/A | Yes | |||||||||||
| 304384250 | 31915886 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing verification of xxxx | xxxx |
10/21/2024 | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||
| 304420922 | 31947271 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided | xxxx | xxxx |
10/23/2024 | 1 | C | A | C | A | C | A | C | A | C | A | ID | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 304400664 | 31942032 | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | xxxx | xxxx |
10/24/2024 | 1 | C | A | C | A | C | A | C | A | C | A | UT | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 304369648 | 31953015 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | xxxx |
09/30/2024 | 1 | A | A | A | A | A | IL | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | |||||||||||||||||
| 304393789 | 31958841 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | xxxx | xxxx |
12/10/2024 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 304393789 | 31963666 | Credit | Title | Document Error | Title | Title Evidence of Title Search was used on a first lien. | xxxx | xxxx |
10/25/2024 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 304382878 | 32021590 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | B | B | B | B | A | A | A | A | N/A | N/A | No | ||||||||||||
| 304400810 | 32034694 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx | xxxx |
11/13/2024 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||
| 304400810 | 32034701 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | xxxx | xxxx |
11/12/2024 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 304417709 | 32055279 | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than x years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The representative FICO score is above 680. |
Excellent credit, over 20 months reserves, 25% equity | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
11/05/2024 | 2 | B | B | B | B | B | B | B | B | B | B | OR | Investment | Purchase | B | B | B | B | A | A | A | A | N/A | N/A | No | ||||||
| 304416444 | 32051699 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xx/xx/xxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | xxxx | xxxx |
11/27/2024 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304423020 | 32052216 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,150.00 exceeds tolerance of $1,100.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
11/05/2024 | 1 | A | A | A | A | A | A | A | A | A | A | AZ | Investment | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| 304427434 | 32075819 | Credit | Guideline | Guideline Issue | Guideline | Minimum of 600 square feet of gross living area required per company guidelines. | xxxx | The Loan to Value (LTV) on the loan is less than or equal to 70%. Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than x years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least 40 points. The representative FICO score is above 680. |
58.72937% LTV | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
11/19/2024 | 2 | C | B | C | B | C | B | C | B | C | B | CA | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | |||||||
| 304379785 | 32091198 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. | - | xxxx | xxxx |
10/11/2024 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||
| 304379785 | 32091201 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx |
10/22/2024 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||
| 304379785 | 32091204 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | xxxx | xxxx |
10/11/2024 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||
| 304379785 | 32091205 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | xxxx is missing the xx/xx payment for $xxxx for 1st lien. | xxxx |
09/30/2024 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 304381954 | 32091242 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | xxxx |
10/02/2024 | 1 | D | A | D | A | D | A | D | A | D | A | AZ | Investment | Refinance - Rate/Term | D | A | C | A | A | A | D | A | N/A | No | ||||||||||||
| 304381954 | 32091243 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | xxxx | xxxx |
10/02/2024 | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Rate/Term | D | A | C | A | A | A | D | A | N/A | No | |||||||||||
| 304381954 | 32091244 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | xxxx | xxxx |
10/02/2024 | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Rate/Term | D | A | C | A | A | A | D | A | N/A | No | |||||||||||
| 304381954 | 32091245 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | xxxx | xxxx |
10/24/2024 | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Rate/Term | D | A | C | A | A | A | D | A | N/A | No | |||||||||||
| 304382685 | 32091302 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx |
10/11/2024 | 1 | C | A | C | A | C | A | C | A | C | A | MA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||
| 304382685 | 32091303 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx |
10/11/2024 | 1 | C | A | C | A | C | A | C | A | C | A | MA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||
| 304380625 | 32091336 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | 1099 (pension) document is missing in file for borrower. Tax Return reflects pension income but does not specify which borrower it is for. | xxxx |
10/23/2024 | 1 | C | A | C | A | C | A | C | A | C | A | OR | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||
| 304380625 | 32091337 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date ___; Disbursement Date: ___; Note Date: ___; Transaction Date: ___ | xxxx | xxxx |
10/03/2024 | 1 | C | A | C | A | C | A | C | A | C | A | OR | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||
| 304380625 | 32091338 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met | xxxx | xxxx |
10/23/2024 | 1 | C | A | C | A | C | A | C | A | C | A | OR | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| 304379775 | 32091339 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. | xxxx | xxxx |
10/09/2024 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 304387673 | 32091354 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | xxxx | xxxx |
10/09/2024 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | |||||||||
| 304387673 | 32091355 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx | xxxx |
10/24/2024 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | |||||||||
| 304387673 | 32091356 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | P&L Statement and Balance sheet for YTD xxxx and Year end xxxx for the business "xxxx" is missing in file | The representative FICO score exceeds the guideline minimum by at least 40 points. | 778 vs 680 | SitusAMC,Aggregator | xxxx |
10/21/2024 | 2 | C | B | C | B | C | B | C | B | C | B | CA | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||
| 304387673 | 32091359 | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. | 778 vs 680 | SitusAMC,Aggregator | xxxx |
10/21/2024 | 2 | C | B | C | B | C | B | C | B | C | B | CA | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | |||||||
| 304387673 | 32091360 | Credit | Missing Document | General | Missing Document | Missing Document: Extension not provided | xxxx | xxxx |
10/10/2024 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||||
| 304391017 | 32091389 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | xxxx | xxxx |
10/11/2024 | 1 | B | A | B | A | B | A | B | A | B | A | OK | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 304391017 | 32091392 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Page 5 of Final Closing Disclosure is missing in file. | xxxx |
10/11/2024 | 1 | C | A | C | A | C | A | C | A | C | A | OK | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 304382833 | 32091450 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | 1084 or income worksheet is missing in file. | xxxx |
10/16/2024 | 1 | C | A | C | A | C | A | C | A | C | A | CO | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||
| 304382833 | 32091451 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | xxxx | xxxx |
10/16/2024 | 1 | C | A | C | A | C | A | C | A | C | A | CO | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 304425108 | 32127220 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx |
11/20/2024 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||
| 304429074 | 32156779 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx |
11/21/2024 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||
| 304429074 | 32156916 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $405.00 exceeds tolerance of $358.00 plus 10% or $393.80. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
11/18/2024 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Investment | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | C | A | A | A | A | A | N/A | N/A | Yes | ||||||||
| 304426350 | 32298948 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx |
12/17/2024 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||
| 304426350 | 32311710 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | xxxx | xxxx |
12/13/2024 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 304459297 | 32313787 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx | xxxx |
01/09/2025 | 1 | B | A | C | A | B | A | C | A | B | A | CA | Investment | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304459297 | 32313916 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | xxxx | xxxx |
01/09/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304459297 | 32313935 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx | xxxx |
01/09/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304459297 | 32313936 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx | xxxx |
01/09/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304459291 | 32417308 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - 1-4 Family not provided | xxxx | xxxx |
03/05/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 304459296 | 32425437 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | xxxx | xxxx |
12/23/2024 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||
| 304459288 | 32330631 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | xxxx | xxxx |
12/18/2024 | 1 | D | A | D | A | D | A | D | A | D | A | CA | Investment | Purchase | D | A | C | A | A | A | D | A | N/A | N/A | No | ||||||||||
| 304459288 | 32330636 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx |
12/18/2024 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | D | A | C | A | A | A | D | A | N/A | N/A | No | |||||||||
| 304459288 | 32330654 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
01/06/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | D | A | C | A | A | A | D | A | N/A | N/A | No | |||||||||||
| 304459285 | 32311836 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | xxxx | xxxx |
12/30/2024 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304459285 | 32311901 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304459285 | 32311902 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304459285 | 32311903 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $300.00 exceeds tolerance of $150.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
12/19/2024 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304459285 | 32311904 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $2,992.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
12/31/2024 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304459285 | 32311905 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $7,480.00 exceeds tolerance of $7,325.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
12/19/2024 | 2 | C | B | C | B | C | B | C | B | C | B | FL | Investment | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304459285 | 32325797 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx |
12/30/2024 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304459285 | 32439384 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx | xxxx |
12/31/2024 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304439196 | 32332852 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $772.70 exceeds tolerance of $750.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
12/09/2024 | 1 | A | A | A | A | A | A | A | A | A | A | AZ | Investment | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | N/A | N/A | Yes | ||||||||
| 304425852 | 32330900 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | 2 | B | B | B | B | B | B | B | B | B | B | WA | Investment | Refinance - Rate/Term | B | B | B | B | A | A | A | A | N/A | N/A | No | ||||||||||||
| 304437895 | 32342050 | Compliance | TRID | Document Error | TRID | Closing Disclosure: Dates are not in chronological order. | - Issue Date: ___; Received Date: ___; Signed Date: ___ | xxxx | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | N/A | No | |||||||||||
| 304437895 | 32424358 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx |
01/01/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | N/A | No | |||||||||
| 304437895 | 32424543 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | xxxx | xxxx |
02/13/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | N/A | No | ||||||||||
| 304437895 | 32424544 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | xxxx | xxxx |
02/13/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | N/A | No | ||||||||||
| 304436459 | 32364991 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx |
12/21/2024 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||
| 304372031 | 32422438 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | xxxx | xxxx |
08/22/2024 | 1 | D | A | D | A | D | A | D | A | D | A | ID | Investment | Purchase | D | B | C | B | B | A | D | A | N/A | N/A | No | ||||||||||
| 304372031 | 32422439 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | 1084 or income worksheet is missing in file for co-borrower. | xxxx |
10/14/2024 | 1 | C | A | C | A | C | A | C | A | C | A | ID | Investment | Purchase | D | B | C | B | B | A | D | A | N/A | N/A | No | |||||||||
| 304372031 | 32422440 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | xxxx | xxxx |
08/22/2024 | 1 | C | A | C | A | C | A | C | A | C | A | ID | Investment | Purchase | D | B | C | B | B | A | D | A | N/A | N/A | No | |||||||||
| 304372031 | 32422441 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | Signed P&L statement is missing in file for business xxxx; and Account Statements - Business, Balance Sheet, P&L Statement is missing in file for business xxxx. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least x months. | 7.3 vs 3 | SitusAMC,Aggregator | xxxx |
11/04/2024 | 2 | C | B | C | B | C | B | C | B | C | B | ID | Investment | Purchase | D | B | C | B | B | A | D | A | N/A | N/A | No | ||||||
| 304372031 | 32422442 | Compliance | TRID | Document Error | TRID | Closing Disclosure: Dates are not in chronological order. | - Issue Date: ___; Received Date: ___; Signed Date: ___ | xxxx | xxxx |
08/20/2024 | 1 | B | A | B | A | B | A | B | A | B | A | ID | Investment | Purchase | D | B | C | B | B | A | D | A | N/A | N/A | No | |||||||||
| 304372031 | 32422444 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx | xxxx |
08/22/2024 | 1 | B | A | B | A | B | A | B | A | B | A | ID | Investment | Purchase | D | B | C | B | B | A | D | A | N/A | N/A | No | |||||||||
| 304372031 | 32422445 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | xxxx | xxxx |
08/22/2024 | 1 | C | A | C | A | C | A | C | A | C | A | ID | Investment | Purchase | D | B | C | B | B | A | D | A | N/A | N/A | No | ||||||||||
| 304372031 | 32422446 | Credit | Credit | Miscellaneous | Credit | Installment debt prior to closing, not on original credit and still open at the time of closing | xxxx | xxxx |
10/25/2024 | 1 | C | A | C | A | C | A | C | A | C | A | ID | Investment | Purchase | D | B | C | B | B | A | D | A | N/A | N/A | No | ||||||||||
| 304372031 | 32422447 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | xxxx | xxxx |
10/25/2024 | 1 | C | A | C | A | C | A | C | A | C | A | ID | Investment | Purchase | D | B | C | B | B | A | D | A | N/A | N/A | No | ||||||||||
| 304372031 | 32422448 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing cash flow analysis/liquidity test or CPA letter confirming no impact for use of all business funds from both entities. xxxx and xxxx | xxxx |
10/31/2024 | 1 | C | A | C | A | C | A | C | A | C | A | ID | Investment | Purchase | D | B | C | B | B | A | D | A | N/A | N/A | No | ||||||||||
| 304372031 | 32422449 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing Signed YTD P&L and balance sheet and 3 month business bank statements for xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least x months. | 7.3 vs 3 | SitusAMC,Aggregator | xxxx |
11/04/2024 | 2 | C | B | C | B | C | B | C | B | C | B | ID | Investment | Purchase | D | B | C | B | B | A | D | A | N/A | N/A | No | |||||||
| 304372031 | 32422450 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The YTD P&L for xxxx was not signed by the preparing CPA. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | 7.3 vs 3 | SitusAMC,Aggregator | xxxx |
11/04/2024 | 2 | C | B | C | B | C | B | C | B | C | B | ID | Investment | Purchase | D | B | C | B | B | A | D | A | N/A | N/A | No | |||||||
| 304388209 | 32422499 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | xxxx | xxxx |
11/04/2024 | 2 | B | B | B | B | B | B | B | B | B | B | MA | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | N/A | No | |||||||||
| 304388209 | 32422501 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | xxxx | xxxx |
11/01/2024 | 1 | C | A | C | A | C | A | C | A | C | A | MA | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | N/A | No | ||||||||||
| 304458774 | 32502517 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx | xxxx |
01/06/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||
| 304469962 | 32510248 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx |
01/06/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||
| 304469962 | 32510358 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | xxxx | xxxx |
01/06/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 304469962 | 32510359 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | xxxx | xxxx |
01/06/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 304459456 | 32517533 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Investment | Refinance - Rate/Term | B | B | B | B | A | A | A | A | N/A | N/A | No | |||||||||||
| 304470073 | 32539418 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | xxxx | Borrower has verified disposable income of at least $2500.00. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than or equal to 70%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The qualifying DTI on the loan is less than or equal to 35%. The representative FICO score exceeds the guideline minimum by at least 40 points. The representative FICO score is above 680. Property not inspected post FEMA declared disaster, but property is not located near the declared disaster area. |
1004 in file after disaster but before end date with no damage | SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC Aggregator |
xxxx |
01/03/2025 | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | N/A | N/A | No | |||||||
| 304443640 | 32543032 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | xxxx | xxxx |
01/10/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | C | A | A | A | N/A | N/A | No | ||||||||||
| 304443640 | 32543085 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx | xxxx |
01/10/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | C | A | A | A | N/A | N/A | No | |||||||||
| 304443640 | 32544471 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 51.63024% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | xxxx | xxxx |
01/10/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | C | A | A | A | N/A | N/A | No | |||||||||
| 304443640 | 32544473 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx | xxxx |
01/10/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | C | A | A | A | N/A | N/A | No | |||||||||
| 304471807 | 32583439 | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | xxxx | xxxx |
01/30/2025 | 1 | C | A | C | A | C | A | C | A | C | A | HI | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 304471807 | 32586835 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | xxxx | xxxx |
01/09/2025 | 1 | C | A | C | A | C | A | C | A | C | A | HI | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 304471807 | 32587014 | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | xxxx | xxxx |
01/09/2025 | 1 | C | A | C | A | C | A | C | A | C | A | HI | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 304470693 | 32593103 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM supports value. Vendor/FSD do not meet Fitch criteria. Sec ID: 10 | Note Date: ___; Lien Position: ___ | xxxx |
01/09/2025 | 1 | A | A | D | A | A | A | A | A | A | A | FL | Investment | Purchase | D | A | A | A | A | A | D | A | N/A | N/A | No | ||||||||||
| 304443096 | 32606746 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx |
01/13/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||
| 304482965 | 32646323 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx | xxxx |
01/22/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NV | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||
| 304477348 | 32612018 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | xxxx |
01/27/2025 | 1 | A | A | A | A | A | A | A | A | A | A | NY | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 304477348 | 32612066 | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | xxxx |
01/27/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 304471505 | 32617038 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | xxxx |
01/27/2025 | 1 | B | A | C | A | B | A | C | A | B | A | AZ | Investment | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| 304471505 | 32617039 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx | xxxx |
01/22/2025 | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||
| 304471505 | 32713289 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | 2 | A | B | B | B | A | AZ | Investment | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||||
| 304439199 | 32643788 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date. Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than x years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The representative FICO score exceeds the guideline minimum by at least 40 points. The representative FICO score is above 680. |
Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
01/30/2025 | 2 | C | B | C | B | C | B | C | B | C | B | CA | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | |||||||
| 304439199 | 32643799 | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | - | xxxx | xxxx |
01/17/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | |||||||||
| 304475173 | 32679818 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 | xxxx | xxxx |
01/24/2025 | 1 | D | A | D | A | D | A | D | A | D | A | FL | Investment | Purchase | D | B | D | B | A | A | D | A | N/A | N/A | No | ||||||||||
| 304475173 | 32679820 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Purchase | D | B | D | B | A | A | D | A | N/A | N/A | No | ||||||||||||
| 304475173 | 32679823 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | xxxx | xxxx |
01/24/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | D | B | D | B | A | A | D | A | N/A | N/A | No | ||||||||||
| 304475173 | 32679827 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | xxxx | xxxx |
01/24/2025 | 1 | D | A | D | A | D | A | D | A | D | A | FL | Investment | Purchase | D | B | D | B | A | A | D | A | N/A | N/A | No | ||||||||||
| 304475173 | 32707067 | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | - | xxxx | xxxx |
01/27/2025 | 1 | A | A | A | A | A | FL | Investment | Purchase | D | B | D | B | A | A | D | A | N/A | N/A | No | ||||||||||||||
| 304477640 | 32682928 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | xxxx | xxxx |
02/13/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 304477640 | 32682929 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | xxxx | xxxx |
02/13/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 304477640 | 32684306 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx | xxxx |
01/24/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||
| 304458998 | 32681173 | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than x years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. The representative FICO score is above 680. |
753 FICO | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
02/04/2025 | 2 | C | B | C | B | C | B | C | B | C | B | OR | Investment | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | ||||||
| 304458998 | 32682602 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | xxxx |
02/07/2025 | 1 | B | A | C | A | B | A | C | A | B | A | OR | Investment | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| 304458998 | 32813087 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | 2 | A | B | B | B | A | OR | Investment | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||||
| 304477641 | 32681531 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | xxxx | xxxx |
03/08/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 304477641 | 32681532 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | xxxx | xxxx |
03/08/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 304486609 | 32711102 | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | The representative FICO score is above 680. Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than x years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. The Loan to Value (LTV) on the loan is less than or equal to 70%. |
746 FICO | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
02/28/2025 | 2 | C | B | C | B | C | B | C | B | C | B | NY | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||
| 304483101 | 32705786 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $60.00 exceeds tolerance of $50.00 plus 10% or $55.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
01/24/2025 | 1 | A | A | A | A | A | A | A | A | A | A | GA | Investment | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | N/A | N/A | Yes | |||||||||
| 304471911 | 32717392 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation does not support the value used to qualify. Sec ID: 7 | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | B | B | B | A | A | C | B | N/A | N/A | No | |||||||||||
| 304471911 | 32717428 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | C | B | B | B | A | A | C | B | N/A | N/A | No | ||||||||||||
| 304471911 | 32867335 | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal | xxxx | xxxx |
04/07/2025 | 1 | A | A | A | A | A | CA | Investment | Refinance - Rate/Term | C | B | B | B | A | A | C | B | N/A | N/A | No | |||||||||||||||
| 304471911 | 32867337 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: 22 | Note Date: ___; Lien Position: ___ | 2 | A | A | A | A | B | CA | Investment | Refinance - Rate/Term | C | B | B | B | A | A | C | B | N/A | N/A | No | |||||||||||||||||
| 304510347 | 32768344 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx | xxxx |
02/04/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304510347 | 32768377 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,997.00 exceeds tolerance of $1,438.00 plus 10% or $1,581.80. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
03/05/2025 | 2 | C | B | C | B | C | B | C | B | C | B | CA | Investment | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304510347 | 32768378 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $1,226.88 exceeds tolerance of $661.20. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
02/04/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304510301 | 32740330 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date. Borrower has been employed in the same industry for more than 5 years. Borrower has worked in the same position for more than x years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The representative FICO score exceeds the guideline minimum by at least 40 points. The representative FICO score is above 680. |
Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
02/10/2025 | 2 | C | B | C | B | C | B | C | B | C | B | CA | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | |||||||
| 304471676 | 32748354 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | B | B | B | B | A | A | A | A | N/A | N/A | No | |||||||||||
| 304441698 | 32749261 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $714.00 exceeds tolerance of $446.00 plus 10% or $490.60. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
01/31/2025 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Investment | Refinance - Rate/Term | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| 304441698 | 32749262 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $800.00 exceeds tolerance of $650.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
01/31/2025 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Investment | Refinance - Rate/Term | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| 304496650 | 32799601 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | xxxx | xxxx |
03/08/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 304636410 | 32834429 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/26/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CO | Investment | Purchase | C | A | C | A | A | A | C | A | N/A | N/A | No | ||||||||||
| 304636410 | 32835012 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation does not support the value used to qualify. Sec ID: 7 | Note Date: ___; Lien Position: ___ | xxxx | xxxx |
03/11/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CO | Investment | Purchase | C | A | C | A | A | A | C | A | N/A | N/A | No | |||||||||
| 304459135 | 32887499 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date. Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than x years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. The representative FICO score exceeds the guideline minimum by at least 40 points. The representative FICO score is above 680. |
Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
02/19/2025 | 2 | C | B | C | B | C | B | C | B | C | B | CA | Investment | Refinance - Rate/Term | C | B | C | B | A | A | A | A | N/A | N/A | No | |||||||
| 304492826 | 32908807 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than or equal to 70%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. The representative FICO score is above 680. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
02/26/2025 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | N/A | N/A | No | |||||||||
| 304492916 | 32933558 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,280.00 exceeds tolerance of $850.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
02/26/2025 | 1 | A | A | A | A | A | A | A | A | A | A | CO | Investment | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | N/A | N/A | Yes | |||||||||
| 304633008 | 32964932 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | xxxx | xxxx |
03/10/2025 | 1 | C | A | C | A | C | A | C | A | C | A | AL | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 304633008 | 32964933 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | xxxx | xxxx |
03/10/2025 | 1 | C | A | C | A | C | A | C | A | C | A | AL | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 304639927 | 32967964 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
03/04/2025 | 1 | A | A | A | A | A | A | A | A | A | A | NJ | Investment | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | N/A | N/A | Yes | |||||||||
| 304637105 | 32996128 | Credit | Guideline | Guideline Issue | Guideline | Minimum of 600 square feet of gross living area required per company guidelines. | xxxx | The representative FICO score is above 680. Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than x years. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. |
789 FICO | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
03/25/2025 | 2 | C | B | C | B | C | B | C | B | C | B | CA | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | |||||||
| 304667827 | 33015789 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | xxxx | xxxx |
03/13/2025 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 304667823 | 32996230 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | xxxx | xxxx |
04/15/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 304667811 | 33019563 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx |
03/14/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||
| 304667790 | 32995258 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
03/13/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 304492843 | 33038637 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (2024). FNMA Finance Charge total $xxxx on a Original Loan Amount of $xxxx vs. an allowable total of $xxxx and $1000.00 (2024) (an overage of $xxxx or xxxx%). | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Investment | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | N/A | N/A | Yes | |||||||||||
| 304632626 | 33039847 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx |
03/20/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||
| 304632626 | 33039850 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx |
03/20/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||
| 304632626 | 33039953 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $134.00 exceeds tolerance of $85.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
03/14/2025 | 1 | A | A | A | A | A | A | A | A | A | A | FL | Investment | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | C | A | A | A | A | A | N/A | N/A | Yes | ||||||||
| 304636424 | 33059957 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | xxxx | xxxx |
03/24/2025 | 1 | D | A | B | A | D | A | C | A | D | A | NC | Investment | Refinance - Rate/Term | D | B | A | A | A | A | D | B | N/A | N/A | No | ||||||||||
| 304636424 | 33106595 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 | Note Date: ___; Lien Position: ___ | xxxx | 2 | B | B | B | B | B | NC | Investment | Refinance - Rate/Term | D | B | A | A | A | A | D | B | N/A | N/A | No | ||||||||||||||||
| 304633088 | 33077133 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | xxxx | xxxx |
03/26/2025 | 1 | D | A | D | A | D | A | D | A | D | A | OR | Investment | Purchase | D | A | C | A | A | A | D | A | N/A | N/A | No | ||||||||||
| 304633088 | 33089220 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | Missing YTD paystub for xxxx | xxxx |
03/28/2025 | 1 | C | A | C | A | C | A | C | A | C | A | OR | Investment | Purchase | D | A | C | A | A | A | D | A | N/A | N/A | No | |||||||||
| 304671571 | 33103875 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | xxxx |
03/26/2025 | 1 | B | A | C | A | B | A | C | A | B | A | CO | Investment | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| 304671571 | 33103917 | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | The qualifying DTI on the loan is at least 10% less than the guideline maximum. Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than x years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. The Loan to Value (LTV) on the loan is less than or equal to 70%. The qualifying DTI on the loan is less than or equal to 35%. The representative FICO score is above 680. |
34.83609% DTI | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
04/09/2025 | 2 | C | B | C | B | C | B | C | B | C | B | CO | Investment | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | ||||||
| 304671571 | 33126037 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | 2 | A | B | B | B | A | CO | Investment | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||||
| 304666800 | 33094668 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | xxxx | xxxx |
03/31/2025 | 1 | D | A | D | A | D | A | D | A | D | A | NY | Investment | Refinance - Cash-out - Other | D | A | A | A | A | A | D | A | N/A | N/A | No | ||||||||||
| 304639836 | 33097705 | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | - | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | A | A | A | A | B | B | N/A | N/A | No | ||||||||||||
| 304671493 | 33134998 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $xx exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
03/27/2025 | 1 | A | A | A | A | A | A | A | A | A | A | NC | Investment | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | N/A | N/A | Yes | ||||||||
| 304678935 | 33174294 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | 2 | B | B | B | B | B | B | B | B | B | B | MT | Investment | Purchase | B | B | B | B | A | A | A | A | N/A | N/A | No | ||||||||||||
| 304678932 | 33129768 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | - | xxxx | xxxx |
03/31/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | A | A | A | A | C | A | N/A | N/A | No | |||||||||
| 304640022 | 33177960 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | xxxx | xxxx |
04/08/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 304667943 | 33189370 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx | 2 | B | B | B | B | B | B | B | B | B | B | KS | Investment | Refinance - Rate/Term | B | B | B | B | A | A | A | A | N/A | N/A | No | |||||||||||
| 304676185 | 33190060 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | 2 | B | B | B | B | B | B | B | B | B | B | VA | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | N/A | N/A | No | ||||||||||||
| 304678388 | 33199588 | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal | xxxx | xxxx |
04/09/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | C | A | N/A | N/A | No | ||||||||||
| 304678388 | 33203778 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing business tax returns for xxxx, only the K-1's were provided. | xxxx |
05/19/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | C | A | N/A | N/A | No | |||||||||
| 304678388 | 33203843 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing business tax returns for xxxx | xxxx |
05/19/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | C | A | N/A | N/A | No | |||||||||
| 304678388 | 33203851 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing business tax returns for xxxx | xxxx |
05/19/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | C | A | N/A | N/A | No | |||||||||
| 304678388 | 33203864 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing business tax returns for xxxx | xxxx |
05/19/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | C | A | N/A | N/A | No | |||||||||
| 304678388 | 33203866 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing business tax returns for xxxx | xxxx |
05/19/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | C | A | N/A | N/A | No | |||||||||
| 304678388 | 33203872 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing business tax returns for xxxx | xxxx |
05/19/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | C | A | N/A | N/A | No | |||||||||
| 304678388 | 33203886 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing business tax returns for xxxx | xxxx |
05/19/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | C | A | N/A | N/A | No | |||||||||
| 304678388 | 33203893 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing business tax returns for xxxx | xxxx |
05/19/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | C | A | N/A | N/A | No | |||||||||
| 304678388 | 33203920 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing business tax returns for xxxx | xxxx |
05/19/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | C | A | N/A | N/A | No | |||||||||
| 304678388 | 33203923 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing business tax returns for xxxx | xxxx |
05/19/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | C | A | N/A | N/A | No | |||||||||
| 304678388 | 33203932 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing business tax returns for xxxx | xxxx |
05/19/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | C | A | N/A | N/A | No | |||||||||
| 304678388 | 33203959 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing business tax returns for xxxx | xxxx |
05/19/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | C | A | N/A | N/A | No | |||||||||
| 304685196 | 33304268 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: 22 | Note Date: ___; Lien Position: ___ | xxxx | 2 | A | A | A | A | A | A | A | A | B | B | CA | Investment | Refinance - Rate/Term | B | B | A | A | A | A | B | B | N/A | N/A | No | |||||||||||
| 304685198 | 33229640 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | xxxx |
04/16/2025 | 1 | C | A | C | A | C | A | C | A | C | A | OR | Investment | Purchase | C | A | C | A | C | A | A | A | N/A | N/A | No | |||||||||||
| 304685198 | 33229774 | Compliance | TRID | Document Error | TRID | TRID Closing Disclosure: "Product" in Loan Details section is blank. | - | xxxx | xxxx |
04/18/2025 | 1 | C | A | C | A | C | A | C | A | C | A | OR | Investment | Purchase | C | A | C | A | C | A | A | A | N/A | N/A | No | |||||||||
| 304685202 | 33302957 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Investment | Purchase | C | B | B | B | A | A | C | B | N/A | N/A | No | ||||||||||||
| 304685202 | 33302961 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: 22 | Note Date: ___; Lien Position: ___ | xxxx | 2 | A | A | A | A | A | A | A | A | B | B | AZ | Investment | Purchase | C | B | B | B | A | A | C | B | N/A | N/A | No | |||||||||||
| 304685202 | 33302976 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | - | xxxx | xxxx |
04/21/2025 | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Purchase | C | B | B | B | A | A | C | B | N/A | N/A | No | |||||||||
| 304685202 | 33304314 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. Borrower has been employed in the same industry for more than x years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than x years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The representative FICO score is above 680. |
Good credit history, employment history and reserves | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
04/18/2025 | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Investment | Purchase | C | B | B | B | A | A | C | B | N/A | N/A | No | ||||||
| 304685188 | 33228542 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has been affected by the disaster. | xxxx | xxxx |
04/21/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CT | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 304685191 | 33293294 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | xxxx | xxxx |
04/19/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 304685204 | 33329466 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - 1-4 Family not provided | xxxx | xxxx |
04/24/2025 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 304681171 | 33232385 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | xxxx | xxxx |
04/14/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 304671580 | 33248048 | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | The qualifying DTI on the loan is at least 10% less than the guideline maximum. Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than x years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. The Loan to Value (LTV) on the loan is less than or equal to 70%. The qualifying DTI on the loan is less than or equal to 35%. The representative FICO score exceeds the guideline minimum by at least 40 points. The representative FICO score is above 680. |
24.75359% DTI | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
04/22/2025 | 2 | C | B | C | B | C | B | C | B | C | B | CA | Investment | Refinance - Rate/Term | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||
| 304641191 | 33248716 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | 2 | B | B | B | B | B | B | B | B | B | B | CO | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||||||
| 304641191 | 33248800 | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | xxxx | xxxx |
04/16/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CO | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||||
| 304687778 | 33365958 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | xxxx | xxxx |
05/07/2025 | 1 | D | A | D | A | D | A | D | A | D | A | OH | Investment | Purchase | D | A | A | A | A | A | D | A | N/A | N/A | No | ||||||||||
| 304687736 | 33448070 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
05/30/2025 | 1 | C | A | C | A | C | A | C | A | C | A | OK | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 304687948 | 33369158 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
05/30/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 304687995 | 33366404 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | xxxx | xxxx |
05/09/2025 | 1 | D | A | D | A | D | A | D | A | D | A | TN | Investment | Purchase | D | A | C | A | A | A | D | A | N/A | N/A | No | ||||||||||
| 304687995 | 33367119 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx | xxxx |
05/15/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Purchase | D | A | C | A | A | A | D | A | N/A | N/A | No | |||||||||
| 304687945 | 33421931 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | xxxx |
05/20/2025 | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Purchase | D | B | D | B | D | A | A | A | N/A | N/A | No | |||||||||||
| 304687945 | 33421933 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
05/30/2025 | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Purchase | D | B | D | B | D | A | A | A | N/A | N/A | No | |||||||||||
| 304687945 | 33421937 | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided | xxxx |
05/20/2025 | 1 | D | A | D | A | D | A | D | A | D | A | MI | Investment | Purchase | D | B | D | B | D | A | A | A | N/A | N/A | No | |||||||||||
| 304687945 | 33421938 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | xxxx |
05/20/2025 | 1 | D | A | D | A | D | A | D | A | D | A | MI | Investment | Purchase | D | B | D | B | D | A | A | A | N/A | N/A | No | |||||||||||
| 304687945 | 33421950 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | 2 | B | B | B | B | B | B | B | B | B | B | MI | Investment | Purchase | D | B | D | B | D | A | A | A | N/A | N/A | No | ||||||||||||
| 304687945 | 33433295 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - Condo not provided | xxxx |
05/20/2025 | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Purchase | D | B | D | B | D | A | A | A | N/A | N/A | No | |||||||||||
| 304688017 | 33366184 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
05/30/2025 | 1 | C | A | C | A | C | A | C | A | C | A | VA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 304688021 | 33368779 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
05/30/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 304688012 | 33369052 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | xxxx | xxxx |
05/09/2025 | 1 | D | A | D | A | D | A | D | A | D | A | TX | Investment | Purchase | D | A | C | A | A | A | D | A | N/A | N/A | No | ||||||||||
| 304688012 | 33369056 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
05/30/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | D | A | C | A | A | A | D | A | N/A | N/A | No | ||||||||||
| 304687741 | 33365760 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
05/30/2025 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 304687763 | 33486468 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | xxxx |
05/28/2025 | 1 | D | A | D | A | D | A | D | A | D | A | FL | Investment | Purchase | D | A | C | A | A | A | D | A | N/A | N/A | No | |||||||||||
| 304687763 | 33491396 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx | xxxx |
06/02/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | D | A | C | A | A | A | D | A | N/A | N/A | No | |||||||||
| 304687937 | 33366154 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
05/30/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CO | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 304687770 | 33381764 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx |
05/14/2025 | 1 | C | A | C | A | C | A | C | A | C | A | UT | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||
| 304687953 | 33388817 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
05/30/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 304687946 | 33368917 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
05/30/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NV | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 304688014 | 33367530 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx | xxxx |
05/16/2025 | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||
| 304688014 | 33476560 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | xxxx | xxxx |
06/03/2025 | 1 | A | A | A | A | A | GA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||||||
| 304688014 | 33476561 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | xxxx | xxxx |
06/03/2025 | 1 | A | A | A | A | A | GA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||||||
| 304688009 | 33366502 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | xxxx | xxxx |
05/12/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | D | A | D | A | A | A | D | A | N/A | N/A | No | ||||||||||
| 304688009 | 33366522 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 | xxxx | xxxx |
05/12/2025 | 1 | D | A | D | A | D | A | D | A | D | A | CA | Investment | Refinance - Rate/Term | D | A | D | A | A | A | D | A | N/A | N/A | No | ||||||||||
| 304688009 | 33366540 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
05/30/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | D | A | D | A | A | A | D | A | N/A | N/A | No | ||||||||||
| 304688009 | 33366544 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | xxxx | xxxx |
05/12/2025 | 1 | D | A | D | A | D | A | D | A | D | A | CA | Investment | Refinance - Rate/Term | D | A | D | A | A | A | D | A | N/A | N/A | No | ||||||||||
| 304688009 | 33445207 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | xxxx |
05/23/2025 | 1 | A | A | A | A | A | CA | Investment | Refinance - Rate/Term | D | A | D | A | A | A | D | A | N/A | N/A | No | ||||||||||||||||
| 304687747 | 33368365 | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | The representative FICO score is above 680. Borrower has owned the subject property for at least x years. |
795 FICO | SitusAMC,Aggregator SitusAMC |
xxxx |
04/29/2025 | 2 | B | B | B | B | B | B | B | B | B | B | TN | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||
| 304687749 | 33389395 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
05/30/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 304687983 | 33381338 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx | xxxx |
05/07/2025 | 1 | C | A | C | A | C | A | C | A | C | A | IA | Investment | Purchase | D | A | C | A | A | A | D | A | N/A | N/A | No | |||||||||
| 304687983 | 33381351 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note Date: ___; Lien Position: ___ | xxxx |
05/07/2025 | 1 | D | A | D | A | D | A | D | A | D | A | IA | Investment | Purchase | D | A | C | A | A | A | D | A | N/A | N/A | No | ||||||||||
| 304687750 | 33387690 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx |
05/14/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||
| 304687990 | 33381199 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | xxxx | xxxx |
05/19/2025 | 1 | D | A | D | A | D | A | D | A | D | A | NJ | Investment | Refinance - Cash-out - Other | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| 304687990 | 33381241 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx | xxxx |
05/21/2025 | 1 | B | A | C | A | B | A | C | A | B | A | NJ | Investment | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| 304687990 | 33398558 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | xxxx | xxxx |
05/21/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| 304687990 | 33398565 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx | xxxx |
05/21/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||
| 304687990 | 33398566 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx | xxxx |
05/21/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||
| 304688001 | 33381059 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
05/30/2025 | 1 | C | A | C | A | C | A | C | A | C | A | OK | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 304688001 | 33546337 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | xxxx | xxxx |
06/04/2025 | 1 | A | A | A | A | A | OK | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||||||
| 304688003 | 33387178 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | xxxx |
05/07/2025 | 1 | D | A | B | A | D | A | C | A | D | A | GA | Investment | Refinance - Rate/Term | D | B | C | A | A | A | D | B | N/A | N/A | No | |||||||||||
| 304688003 | 33387201 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
05/30/2025 | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Rate/Term | D | B | C | A | A | A | D | B | N/A | N/A | No | |||||||||||
| 304688003 | 33426220 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. AVM supports value. Sec ID: 26 | Note Date: ___; Lien Position: ___ | 2 | B | B | B | B | B | GA | Investment | Refinance - Rate/Term | D | B | C | A | A | A | D | B | N/A | N/A | No | |||||||||||||||||
| 304688006 | 33369137 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
05/30/2025 | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 304687982 | 33369434 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
05/30/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | C | A | N/A | N/A | No | |||||||||||
| 304687982 | 33369479 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | - | xxxx |
05/12/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | C | A | N/A | N/A | No | ||||||||||
| 304687982 | 33369498 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx | xxxx |
05/12/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | C | A | N/A | N/A | No | |||||||||
| 304687996 | 33396578 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $xx exceeds tolerance of $xx. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
06/04/2025 | 2 | C | B | C | B | C | B | C | B | C | B | VA | Investment | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304687996 | 33396588 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
05/30/2025 | 1 | C | A | C | A | C | A | C | A | C | A | VA | Investment | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304687906 | 33389674 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | xxxx | xxxx |
05/09/2025 | 1 | D | A | B | A | D | A | C | A | D | A | CA | Investment | Refinance - Rate/Term | D | B | A | A | A | A | D | B | N/A | N/A | No | ||||||||||
| 304687906 | 33437825 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 | Note Date: ___; Lien Position: ___ | 2 | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | D | B | A | A | A | A | D | B | N/A | N/A | No | |||||||||||||||||
| 304687960 | 33384934 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
05/30/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CO | Investment | Purchase | D | A | C | A | A | A | D | A | N/A | N/A | No | |||||||||||
| 304687960 | 33388937 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | xxxx |
05/07/2025 | 1 | D | A | D | A | D | A | D | A | D | A | CO | Investment | Purchase | D | A | C | A | A | A | D | A | N/A | N/A | No | |||||||||||
| 304688022 | 33413535 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx |
05/21/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||
| 304688038 | 33399726 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
05/30/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NV | Investment | Purchase | D | A | C | A | A | A | D | A | N/A | N/A | No | |||||||||||
| 304688038 | 33399728 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | xxxx | xxxx |
05/09/2025 | 1 | D | A | D | A | D | A | D | A | D | A | NV | Investment | Purchase | D | A | C | A | A | A | D | A | N/A | N/A | No | ||||||||||
| 304687805 | 33386803 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | 2 | B | B | B | B | B | B | B | B | B | B | GA | Investment | Purchase | B | B | B | B | A | A | A | A | N/A | N/A | No | ||||||||||||
| 304687761 | 33426743 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | xxxx | xxxx |
05/20/2025 | 1 | D | A | D | A | D | A | D | A | D | A | CA | Investment | Purchase | D | B | C | B | A | A | D | A | N/A | N/A | No | ||||||||||
| 304687761 | 33432591 | Credit | Guideline | Guideline Issue | Guideline | Minimum of 600 square feet of gross living area required per company guidelines. | xxxx | The representative FICO score is above 680. Borrower has been employed in the same industry for more than x years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than x years. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. |
805 FICO | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
05/27/2025 | 2 | C | B | C | B | C | B | C | B | C | B | CA | Investment | Purchase | D | B | C | B | A | A | D | A | N/A | N/A | No | |||||||
| 304688020 | 33371660 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
05/30/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | D | A | C | A | A | A | D | A | N/A | N/A | No | |||||||||||
| 304688020 | 33371662 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | xxxx |
05/19/2025 | 1 | D | A | D | A | D | A | D | A | D | A | NJ | Investment | Purchase | D | A | C | A | A | A | D | A | N/A | N/A | No | |||||||||||
| 304687973 | 33369704 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
05/30/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | D | A | C | A | A | A | D | A | N/A | N/A | No | |||||||||||
| 304687973 | 33369713 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | xxxx |
05/07/2025 | 1 | D | A | D | A | D | A | D | A | D | A | CA | Investment | Purchase | D | A | C | A | A | A | D | A | N/A | N/A | No | |||||||||||
| 304687985 | 33369255 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304687985 | 33370735 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $870.00 exceeds tolerance of $735.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
04/29/2025 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Investment | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| 304687985 | 33370893 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxx is over disclosed by $xxx compared to the calculated Amount Financed of $xxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
05/21/2025 | 2 | C | B | C | B | C | B | C | B | C | B | CA | Investment | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304687985 | 33370903 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxx is under disclosed by $xxx compared to the calculated Finance Charge of $xxx which exceeds the $xxx threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
05/21/2025 | 2 | C | B | C | B | C | B | C | B | C | B | CA | Investment | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304687985 | 33370935 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx | xxxx |
05/08/2025 | 1 | B | A | C | A | B | A | C | A | B | A | CA | Investment | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304687985 | 33370936 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |
05/08/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304687969 | 33411749 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | xxxx | xxxx |
06/04/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 304687939 | 33382643 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
05/30/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 304687939 | 33382677 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | xxxx |
05/20/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 304687939 | 33389623 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx |
05/22/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||
| 304687939 | 33389626 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx |
05/22/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||
| 304688036 | 33381405 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | xxxx | xxxx |
05/19/2025 | 1 | D | A | D | A | D | A | D | A | D | A | AZ | Investment | Purchase | D | A | A | A | A | A | D | A | N/A | N/A | No | ||||||||||
| 304688031 | 33541108 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | xxxx | xxxx |
06/02/2025 | 1 | A | A | A | A | A | ND | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | N/A | No | ||||||||||||||
| 304688040 | 33407072 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | xxxx | xxxx |
05/19/2025 | 1 | D | A | D | A | D | A | D | A | D | A | MO | Investment | Purchase | D | A | A | A | A | A | D | A | N/A | N/A | No | ||||||||||
| 304688030 | 33400722 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | xxxx | xxxx |
05/19/2025 | 1 | D | A | D | A | D | A | D | A | D | A | MO | Investment | Purchase | D | A | A | A | A | A | D | A | N/A | N/A | No | ||||||||||
| 304688035 | 33407135 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx | xxxx |
05/22/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||
| 304687789 | 33392232 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx | xxxx |
05/19/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||
| 304687802 | 33389777 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx | xxxx |
05/15/2025 | 1 | C | A | C | A | C | A | C | A | C | A | AR | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | |||||||||
| 304687802 | 33389798 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds AUS combined loan to value percentage of ___. | xxxx | Borrower has worked in the same position for more than x years. Borrower has been employed in the same industry for more than x years. Borrower has verified disposable income of at least $2500.00. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The representative FICO score is above 680. |
Over x years with current employer. | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
05/02/2025 | 2 | B | B | B | B | B | B | B | B | B | B | AR | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||
| 304687802 | 33389799 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS Findings: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds AUS loan to value percentage of ___. | xxxx | Borrower has worked in the same position for more than x years. Borrower has been employed in the same industry for more than x years. Borrower has verified disposable income of at least $2500.00. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The representative FICO score is above 680. |
Over x years with current employer. | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
05/02/2025 | 2 | B | B | B | B | B | B | B | B | B | B | AR | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||
| 304687810 | 33397970 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Card Statement not provided | xxxx | xxxx |
05/24/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 304687970 | 33371214 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | xxxx |
05/09/2025 | 1 | D | A | B | A | D | A | C | A | D | A | CA | Investment | Refinance - Rate/Term | D | B | A | A | A | A | D | B | N/A | N/A | No | |||||||||||
| 304687970 | 33437928 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 | Note Date: ___; Lien Position: ___ | 2 | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | D | B | A | A | A | A | D | B | N/A | N/A | No | |||||||||||||||||
| 304687961 | 33400118 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | xxxx | xxxx |
05/22/2025 | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 304687961 | 33400147 | Credit | Asset | Asset Calculation / Analysis | Asset | AUS Findings: Available for Reserves discrepancy. | xxxx | xxxx |
05/22/2025 | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 304687961 | 33400148 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS Findings: Qualifying asset balance discrepancy. | xxxx | xxxx |
05/22/2025 | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 304687786 | 33429206 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ ___ |
xxxx | xxxx |
05/22/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||
| 304687776 | 33387776 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | xxxx | xxxx |
05/19/2025 | 1 | D | A | D | A | D | A | D | A | D | A | NJ | Investment | Purchase | D | A | A | A | A | A | D | A | N/A | N/A | No | ||||||||||
| 304687951 | 33367987 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | xxxx | xxxx |
05/07/2025 | 1 | D | A | D | A | D | A | D | A | D | A | OH | Investment | Purchase | D | A | A | A | A | A | D | A | N/A | N/A | No | ||||||||||
| 304687986 | 33400784 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | xxxx | xxxx |
05/27/2025 | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||
| 304687992 | 33380806 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | xxxx | xxxx |
05/15/2025 | 1 | C | A | C | A | C | A | C | A | C | A | AL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 304687912 | 33401146 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | xxxx | xxxx |
05/19/2025 | 1 | D | A | B | A | D | A | C | A | D | A | VA | Investment | Refinance - Rate/Term | D | B | A | A | A | A | D | B | N/A | N/A | No | ||||||||||
| 304687912 | 33484907 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 | Note Date: ___; Lien Position: ___ | xxxx | 2 | B | B | B | B | B | VA | Investment | Refinance - Rate/Term | D | B | A | A | A | A | D | B | N/A | N/A | No | ||||||||||||||||
| 304687975 | 33369696 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | xxxx | xxxx |
05/14/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||
| 304687975 | 33380809 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Card Statement not provided | xxxx | xxxx |
06/02/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 304688037 | 33382074 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | xxxx | xxxx |
05/19/2025 | 1 | D | A | D | A | D | A | D | A | D | A | PA | Investment | Purchase | D | A | C | A | A | A | D | A | N/A | N/A | No | ||||||||||
| 304688037 | 33417618 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing third party verification of self-employment. VOE states Internet website information provided, however it is missing from the file | xxxx |
05/15/2025 | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Purchase | D | A | C | A | A | A | D | A | N/A | N/A | No | |||||||||
| 304687955 | 33387861 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx | xxxx |
05/13/2025 | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Cash-out - Other | D | A | C | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304687955 | 33387893 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | xxxx |
05/07/2025 | 1 | D | A | D | A | D | A | D | A | D | A | AZ | Investment | Refinance - Cash-out - Other | D | A | C | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304687752 | 33385810 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | xxxx |
05/28/2025 | 1 | B | A | C | A | B | A | C | A | B | A | FL | Investment | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| 304687752 | 33528197 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | 2 | A | B | B | B | A | FL | Investment | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||||
| 304687751 | 33406788 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | xxxx | xxxx |
05/09/2025 | 1 | D | A | B | A | D | A | C | A | D | A | CA | Investment | Refinance - Rate/Term | D | B | A | A | A | A | D | B | N/A | N/A | No | ||||||||||
| 304687751 | 33437811 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 | Note Date: ___; Lien Position: ___ | 2 | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | D | B | A | A | A | A | D | B | N/A | N/A | No | |||||||||||||||||
| 304687767 | 33407340 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | xxxx | xxxx |
05/19/2025 | 1 | D | A | D | A | D | A | D | A | D | A | KS | Investment | Purchase | D | A | A | A | A | A | D | A | N/A | N/A | No | ||||||||||
| 304687943 | 33405790 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
05/30/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 304687929 | 33504678 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
05/30/2025 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 304687999 | 33404431 | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | Borrower has worked in the same position for more than x years. Borrower has been employed in the same industry for more than x years. Borrower has verified disposable income of at least $2500.00. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The qualifying DTI on the loan is less than or equal to 35%. The representative FICO score is above 680. |
17 years with current employer. | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
05/02/2025 | 2 | B | B | B | B | B | B | B | B | B | B | TN | Investment | Purchase | B | B | B | B | A | A | A | A | N/A | N/A | No | ||||||
| 304688010 | 33396891 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | xxxx | xxxx |
05/19/2025 | 1 | D | A | D | A | D | A | D | A | D | A | WA | Investment | Purchase | D | A | A | A | A | A | D | A | N/A | N/A | No | ||||||||||
| 304688041 | 33406121 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
05/29/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 304688042 | 33389701 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | xxxx | xxxx |
05/19/2025 | 1 | D | A | D | A | D | A | D | A | D | A | NJ | Investment | Purchase | D | A | C | A | A | A | D | A | N/A | N/A | No | ||||||||||
| 304688042 | 33389705 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
05/29/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | D | A | C | A | A | A | D | A | N/A | N/A | No | |||||||||||
| 304687800 | 33429454 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | xxxx | xxxx |
05/20/2025 | 1 | D | A | D | A | D | A | D | A | D | A | CA | Investment | Purchase | D | A | A | A | A | A | D | A | N/A | N/A | No | ||||||||||
| 304687734 | 33427133 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
05/29/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NV | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 304687930 | 33391667 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
05/29/2025 | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 304687998 | 33413766 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | xxxx |
05/20/2025 | 1 | D | A | B | A | D | A | C | A | D | A | CA | Investment | Refinance - Rate/Term | D | B | C | A | A | A | D | B | N/A | N/A | No | |||||||||||
| 304687998 | 33425652 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
05/29/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | D | B | C | A | A | A | D | B | N/A | N/A | No | |||||||||||
| 304687998 | 33493641 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 | Note Date: ___; Lien Position: ___ | xxxx | 2 | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | D | B | C | A | A | A | D | B | N/A | N/A | No | ||||||||||||||||
| 304687988 | 33412628 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
05/29/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 304687974 | 33413463 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
05/29/2025 | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 304687847 | 33400349 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | xxxx |
05/20/2025 | 1 | D | A | D | A | D | A | D | A | D | A | FL | Investment | Purchase | D | A | C | A | A | A | D | A | N/A | N/A | No | |||||||||||
| 304687847 | 33437711 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
05/29/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | D | A | C | A | A | A | D | A | N/A | N/A | No | |||||||||||
| 304687847 | 33437730 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx | xxxx |
05/22/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | D | A | C | A | A | A | D | A | N/A | N/A | No | |||||||||
| 304687731 | 33382376 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | xxxx | xxxx |
05/14/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | D | B | C | A | A | A | D | B | N/A | N/A | No | ||||||||||
| 304687731 | 33382378 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | xxxx |
05/07/2025 | 1 | D | A | B | A | D | A | C | A | D | A | TX | Investment | Refinance - Rate/Term | D | B | C | A | A | A | D | B | N/A | N/A | No | |||||||||||
| 304687731 | 33425800 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 | Note Date: ___; Lien Position: ___ | 2 | B | B | B | B | B | TX | Investment | Refinance - Rate/Term | D | B | C | A | A | A | D | B | N/A | N/A | No | |||||||||||||||||
| 304687758 | 33381932 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
05/29/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 304687944 | 33413557 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
05/29/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NV | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||||
| 304687944 | 33413576 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx | 2 | B | B | B | B | B | B | B | B | B | B | NV | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | |||||||||||
| 304687947 | 33413852 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
05/29/2025 | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 304687949 | 33385746 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is not within 10 business days of the Note. | - | xxxx | xxxx |
05/12/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||
| 304687949 | 33385840 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
05/29/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 304687967 | 33396181 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
05/29/2025 | 1 | C | A | C | A | C | A | C | A | C | A | KS | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 304688046 | 33370166 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | xxxx |
05/20/2025 | 1 | D | A | D | A | D | A | D | A | D | A | PA | Investment | Purchase | D | A | C | A | A | A | D | A | N/A | N/A | No | |||||||||||
| 304688046 | 33370169 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
05/29/2025 | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Purchase | D | A | C | A | A | A | D | A | N/A | N/A | No | |||||||||||
| 304687925 | 33419773 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
05/29/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 304687994 | 33382057 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | xxxx | xxxx |
05/20/2025 | 1 | D | A | D | A | D | A | D | A | D | A | TN | Investment | Purchase | D | A | C | A | A | A | D | A | N/A | N/A | No | ||||||||||
| 304687994 | 33382191 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx | xxxx |
05/22/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Purchase | D | A | C | A | A | A | D | A | N/A | N/A | No | |||||||||
| 304687994 | 33382653 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
05/29/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Purchase | D | A | C | A | A | A | D | A | N/A | N/A | No | ||||||||||
| 304688026 | 33391338 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
05/29/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 304688026 | 33391346 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | xxxx | xxxx |
05/27/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||
| 304688032 | 33384534 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
05/29/2025 | 1 | C | A | C | A | C | A | C | A | C | A | ND | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 304498006 | 33273159 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Third Party verification, Signed 1120S and K-1 statement for business "xxxx" is missing in file. | xxxx |
02/05/2025 | 1 | C | A | C | A | C | A | C | A | C | A | DE | Investment | Purchase | C | A | C | A | B | A | A | A | N/A | No | ||||||||||
| 304498006 | 33273160 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | 1040 (xxxx) Schedule E part II reflects x business. xxxx is considered for income calculation however 2 additional business available on Sch E part II (xxxx & xxxx) however no document are available. Lender to confirm and provide supporting documents for additional businesses. | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | C | A | DE | Investment | Purchase | C | A | C | A | B | A | A | A | N/A | No | |||||||||||
| 304498006 | 33273161 | Credit | Asset | Asset Calculation / Analysis | Asset | AUS Findings: Available for Reserves discrepancy. | xxxx | xxxx |
03/13/2025 | 1 | C | A | C | A | C | A | C | A | C | A | DE | Investment | Purchase | C | A | C | A | B | A | A | A | N/A | No | |||||||||||
| 304498006 | 33273162 | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | xxxx | xxxx |
01/30/2025 | 1 | B | A | B | A | B | A | B | A | B | A | DE | Investment | Purchase | C | A | C | A | B | A | A | A | N/A | No | ||||||||||
| 304632181 | 33273301 | Credit | Missing Document | General | Missing Document | Missing Document: HELOC Agreement not provided | xxxx | xxxx |
03/18/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 304632181 | 33273302 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | xxxx | xxxx |
02/26/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 304642425 | 33273349 | Credit | Missing Document | General | Missing Document | Missing Document: Trust Agreement (Asset) not provided | xxxx | xxxx |
03/31/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| 304631799 | 33273518 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | xxxx | xxxx |
03/17/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 304631799 | 33273519 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Possible rot damage on walls of property as per photos from appraisal document, provide final appraisal confirming no damage | xxxx |
03/12/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 304631799 | 33273520 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Title reflects an Oil and Gas lease dated 1968 that expired in 20 years (in 1988) with no rights to drill on subject property but the ability to drill from adjacent areas at a depth of under 500 feet. Lender exception not provided | xxxx |
03/12/2025 | 1 | A | A | A | A | A | CA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||||||
| 304642349 | 33273532 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx |
03/19/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||
| 304642349 | 33273534 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | xxxx | xxxx |
03/13/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 304497760 | 33273608 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | xxxx | xxxx |
03/18/2025 | 1 | C | A | C | A | C | A | C | A | C | A | SC | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 304472372 | 33273613 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Require Business Entity listing or Third Party Verification document for business xxxx. | xxxx |
03/19/2025 | 1 | C | A | C | A | C | A | C | A | C | A | UT | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||
| 304641188 | 33273701 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. | - | xxxx | xxxx |
03/27/2025 | 1 | C | A | C | A | C | A | C | A | C | A | MA | Investment | Purchase | C | A | C | A | B | A | A | A | N/A | N/A | No | |||||||||
| 304641188 | 33273703 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Require K-1 and or 1065's for xxxx & xxxx for borrower business xxxx. Income stream and requirements subject to further review. | xxxx |
03/31/2025 | 1 | C | A | C | A | C | A | C | A | C | A | MA | Investment | Purchase | C | A | C | A | B | A | A | A | N/A | N/A | No | |||||||||
| 304641188 | 33273704 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. | xxxx | xxxx |
03/25/2025 | 1 | C | A | C | A | C | A | C | A | C | A | MA | Investment | Purchase | C | A | C | A | B | A | A | A | N/A | N/A | No | ||||||||||
| 304641188 | 33273706 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx | xxxx |
03/27/2025 | 1 | B | A | B | A | B | A | B | A | B | A | MA | Investment | Purchase | C | A | C | A | B | A | A | A | N/A | N/A | No | |||||||||
| 304681233 | 33291676 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | N/A | N/A | No | |||||||||||
| 304666823 | 33306085 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304667756 | 33322390 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | xxxx |
04/26/2025 | 1 | D | A | D | A | D | A | D | A | D | A | NH | Investment | Refinance - Rate/Term | D | A | C | A | A | A | D | A | N/A | N/A | No | |||||||||||
| 304667756 | 33322444 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | xxxx | xxxx |
04/26/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NH | Investment | Refinance - Rate/Term | D | A | C | A | A | A | D | A | N/A | N/A | No | ||||||||||
| 304667756 | 33322544 | Credit | Asset | Asset Calculation / Analysis | Asset | AUS Findings: Available for Reserves discrepancy. | xxxx | xxxx |
04/26/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NH | Investment | Refinance - Rate/Term | D | A | C | A | A | A | D | A | N/A | N/A | No | ||||||||||
| 304667756 | 33327268 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | xxxx | xxxx |
05/02/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NH | Investment | Refinance - Rate/Term | D | A | C | A | A | A | D | A | N/A | N/A | No | ||||||||||
| 304681174 | 33321958 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. | xxxx | xxxx |
04/28/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 304681174 | 33322018 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | xxxx | xxxx |
04/24/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 304681174 | 33322093 | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | xxxx | xxxx |
04/24/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 304681174 | 33326403 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx | xxxx |
04/24/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||
| 304683414 | 33333422 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304683414 | 33337365 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $2,420.00 exceeds tolerance of $2,211.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
04/23/2025 | 1 | A | A | A | A | A | A | A | A | A | A | FL | Investment | Refinance - Cash-out - Other | Final CD evidences Cure | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| 304640521 | 33436787 | Credit | Missing Document | General | Missing Document | Missing Document: Trust Agreement (Asset) not provided | xxxx | xxxx |
04/02/2025 | 1 | C | A | C | A | C | A | C | A | C | A | OK | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| 304654840 | 33436907 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Final CD dated 03/21/2025 Does not reflect the Product Type. Additionally Broker Compensation $xxxx Paid by Lender however Final CD does not mentioned "L" prior to fee as it stand for Lender paid. | xxxx |
04/07/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 304654840 | 33436908 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | xxxx | xxxx |
04/08/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 304644172 | 33436929 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Flood Insurance Policy not provided | xxxx | xxxx |
04/09/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 304664534 | 33437045 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | xxxx | xxxx |
04/16/2025 | 1 | B | A | B | A | B | A | B | A | B | A | FL | Investment | Purchase | B | A | A | A | B | A | A | A | N/A | N/A | No |