J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G

Exhibit 99.14

 

Seller Name Seller Loan ID Customer Loan ID Exception ID Exception ID Date Exception Category Exception Subcategory Exception Description Exception Comments Seller Response Reviewer Response Compensating Factors Exception Status Cleared Date Exception Approved Pre Origination Initial Exception Grade Final Exception Grade Initial DBRS Exception Grade Final DBRS Exception Grade Initial Moodys Exception Grade Final Moodys Exception Grade Initial Fitch Exception Grade Final Fitch Exception Grade Initial Kroll Exception Grade Final Kroll Exception Grade Initial S&P Exception Grade Final S&P Exception Grade
XXX XXX 304379589 XXX 9/27/2024 Credit Closing Documentation Deed Missing or Defective Missing conveyance deed from XXX to XXX  XXX overlay - please clear any outstanding conveyance deed conditions and do not cite going forward Received XXX Overlay   Cleared 3/17/2025   D A D A D A D A D A D A
XXX XXX 304416370 XXX 10/17/2024 Credit Closing Documentation Deed Missing or Defective Missing conveyance deed from XXX and XXX to XXX XXX overlay - please clear any outstanding conveyance deed conditions and do not cite going forward Received XXX Overlay   Cleared 3/17/2025   D A D A D A D A D A D A
XXX XXX 304416370 XXX 10/17/2024 Property Appraisal Documentation Exterior Inspection Missing or Defective Property is located in an impacted disaster area. Please provide exterior inspection following post disaster guideline requirements. 20241028: Uploaded 20241028: PDI was not completed by original appraisaer. XXX approves exception FICO XXX, XXX months reserves, 0x30x12 Acknowledged 10/28/2024   D B D B D B D B D B D B
XXX XXX 304405106 XXX 10/17/2024 Credit Closing Documentation Deed Missing or Defective Missing conveyance deed from XXX and XXX to XXX XXX overlay - please clear any outstanding conveyance deed conditions and do not cite going forward Received XXX Overlay   Cleared 3/17/2025   D A D A D A D A D A D A
XXX XXX 304417146 XXX 10/21/2024 Credit Closing Documentation Deed Missing or Defective Missing conveyance deed from XXX to XXX XXX overlay - please clear any outstanding conveyance deed conditions and do not cite going forward Received XXX Overlay   Cleared 3/17/2025   D A D A D A D A D A D A
XXX XXX 304473117 XXX 1/8/2025 Credit Title/Lien Title/Lien $XXX title insurance coverage < $XXX minimum coverage required XXX 4.11.2025 - Please see the attached. 20250413: Received   Cleared 4/13/2025   C A C A C A C A C A C A
XXX XXX 304456372 XXX 1/10/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 1/10: Clear 20250110: Clear   Cleared 1/10/2025   A A A A A A A A A A A A
XXX XXX 304472789 XXX 1/17/2025 Credit Insurance Hazard Insurance Missing or Defective Hazard Insurance is missing mortgagee clause after lender's name. Please provide updated Insurance with ISAOA/ATIMA verbiage after XXX  3/19 XXX: Please see attached document. The borrowers cancelled there policy with XXX. Please see updated policy with mortgagee filled out correctly. 20250324: DSCR exception approved via email
20250320: DSCR 0.98 with new policy premium		 FICO XXX, experienced investor, XXX months reserves Acknowledged 3/24/2025   C B C B C B C B C B C B
XXX XXX 304486411 XXX 2/10/2025 Credit Closing Documentation Deed Missing or Defective Missing Conveyance deed from XXX to XXX XXX overlay - please clear any outstanding conveyance deed conditions and do not cite going forward Received XXX Overlay   Cleared 3/17/2025   D A D A D A D A D A D A
XXX XXX 304481755 XXX 2/10/2025 Credit Closing Documentation Deed Missing or Defective Missing Conveyance deed from XXX and XXX to XXX and XXX  XXX overlay - please clear any outstanding conveyance deed conditions and do not cite going forward Received XXX Overlay   Cleared 3/17/2025   D A D A D A D A D A D A
XXX XXX 304481755 XXX 2/10/2025 Credit Title/Lien Title Insurance Coverage - Inadequate Coverage $XXX title insurance coverage < $XXX Minimum coverage required please see attached doc XXX 2.24 20250224: Received   Cleared 2/24/2025   C A C A C A C A C A C A
XXX XXX 304498324 XXX 2/10/2025 Credit Closing Documentation Conveyance Deed Missing or Defective Missing conveyance deed from XXX and XXX to XXX XXX overlay - please clear any outstanding conveyance deed conditions and do not cite going forward Received XXX Overlay   Cleared 3/17/2025   D A D A D A D A D A D A
XXX XXX 304487842 XXX 2/12/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 2/12: Clear 20250212: Clear   Cleared 2/12/2025   A A A A A A A A A A A A
XXX XXX 304492858 XXX 1/27/2025 Credit Title/Lien Closing Protection Letter Missing or Defective Missing Closing Protection Letter 2/4: CPL 20250204: Received CPL   Cleared 2/4/2025   D A D A D A D A D A D A
XXX XXX 304492858 XXX 1/27/2025 Property Insurance Hazard Insurance Missing or Defective Hazard insurance policy is missing mortgage clause after Lender's name. Please provide updated hazard policy with ISAOA/ATIMA verbiage after XXX 2/4: Hazard 20250204: Received hazard insurance   Cleared 2/4/2025   C A C A C A C A C A C A
XXX XXX 304483539 XXX 1/29/2025 Credit Credit Documentation Loan Application Missing or Defective Missing loan application 2/21: Received email waiving finding 20250221: Waived per email DSCR 1.16, LTV 75%, months reserves XXX Acknowledged 2/21/2025   D B D B D B D B D B D B
XXX XXX 304487597 XXX 2/17/2025 Credit Closing Documentation Deed Missing or Defective Missing Conveyance Deed from XXX to XXX XXX overlay - please clear any outstanding conveyance deed conditions and do not cite going forward Received XXX Overlay   Cleared 3/17/2025   D A D A D A D A D A D A
XXX XXX 304487843 XXX 1/30/2025 Credit Credit Documentation Closing Documentation Missing or Defective Missing Employer Identification Number 3/26: Waived via email 20250326: Waived via email FICO XXX, XXX months reserves, 0x30x12 Acknowledged 3/26/2025   D B D B D B D B D B D B
XXX XXX 304487843 XXX 1/30/2025 Credit Title/Lien Title Insurance Missing or Defective Title Commitment Schedule A Item 2(c) is missing mortgagee clause after lender's name. Please provide updated title policy with ISAOA/ATIMA  3/25: title 20250325: Received   Cleared 3/25/2025   C A C A C A C A C A C A
XXX XXX 304493916 XXX 1/30/2025 Credit Closing Documentation Deed Missing or Defective Missing conveyance deed from XXX to XXX XXX overlay - please clear any outstanding conveyance deed conditions and do not cite going forward Received XXX Overlay   Cleared 3/17/2025   D A D A D A D A D A D A
XXX XXX 304493916 XXX 1/30/2025 Credit Title/Lien Title Insurance Coverage - Inadequate Coverage $XXX title insurance coverage < $XXX minimum coverage required 2/5 XXX-please see attached. 20250205: Received   Cleared 2/5/2025   C A C A C A C A C A C A
XXX XXX 304511440 XXX 2/19/2025 Credit Closing Documentation Deed Missing or Defective Missing conveynace deed; from XXX and XXX to XXX XXX overlay - please clear any outstanding conveyance deed conditions and do not cite going forward Received XXX Overlay   Cleared 3/17/2025   D A D A D A D A D A D A
XXX XXX 304634453 XXX 2/19/2025 Credit Closing Documentation Deed Missing or Defective Missing Conveynace deed from XXX and XXX to XXX and XXX XXX overlay - please clear any outstanding conveyance deed conditions and do not cite going forward Received XXX Overlay   Cleared 3/17/2025   D A D A D A D A D A D A
XXX XXX 304492788 XXX 2/19/2025 Credit Closing Documentation Deed Missing or Defective Missing Conveyance deed from XXX and XXX to XXX XXX overlay - please clear any outstanding conveyance deed conditions and do not cite going forward Received XXX Overlay   Cleared 3/17/2025   D A D A D A D A D A D A
XXX XXX 304511193 XXX 2/19/2025 Credit Debt Service Coverage Ratio Documentation Short Term Rental Documentation Missing or Defective Missing 12 month rental history for subject property: XXX 3/10: XXX receipts
2/21: Market rent from the appraisal was used to qualify this loan. Market rent of $XXX divided by housing costs of $XXX equals a DSCR of 1.645		 20250310: Received STR income, DSCR 1.33
20250221: Please provide 12 months rental history for STR. Per guidelines a refinance transaction needs 12 month rents for STR		   Cleared 3/10/2025   D A D A D A D A D A D A
XXX XXX 304511193 XXX 2/19/2025 Credit Application/Processing Loan Application Missing or Defective Missing 1003 loan application.  3/11: Waived via email 20250311: Waived via email FICO XXX, DSCR 1.33, XXX months reserves Acknowledged 3/11/2025   D B D B D B D B D B D B
XXX XXX 304458745 XXX 2/20/2025 Credit Insurance Hazard Insurance Missing or Defective Hazard insurance policy is missing mortgage clause after Lender's name. Please provide updated hazard policy with ISAOA/ATIMA verbiage after XXX. 3/11 XXX - See attached updated policy 20250312: Received   Cleared 3/12/2025   C A C A C A C A C A C A
XXX XXX 304641636 XXX 2/21/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 2/21: Clear 20250221: Clear   Cleared 2/21/2025   A A A A A A A A A A A A
XXX XXX 304632535 XXX 2/21/2025 Credit Title/Lien Title Insurance Coverage - Inadequate Coverage $XXX  title insurance coverage < $XXX minimum coverage required 3/12 XXX-please see attached 20250312: Received   Cleared 3/12/2025   C A C A C A C A C A C A
XXX XXX 304635024 XXX 2/24/2025 Credit Closing Documentation Deed Missing or Defective Missing Conveyance deed from XXX to XXX XXX overlay - please clear any outstanding conveyance deed conditions and do not cite going forward Received XXX Overlay   Cleared 3/17/2025   D A D A D A D A D A D A
XXX XXX 304632865 XXX 2/24/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 2/24: Clear 20250224: Clear   Cleared 2/24/2025   A A A A A A A A A A A A
XXX XXX 304637110 XXX 2/26/2025 Credit Title or Lien Title Insurance Coverage - Inadequate Coverage $XXX title insurance coverage < $XXX minimum coverage required 3/12: please see attached doc 20250312: Received title insurance   Cleared 3/12/2025   C A C A C A C A C A C A
XXX XXX 304495234 XXX 2/26/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 2/26: Clear 20250226: Clear   Cleared 2/26/2025   A A A A A A A A A A A A
XXX XXX 304636472 XXX 2/26/2025 Credit Title/Lien Title Insurance Missing or Defective Title Commitment Schedule A is missing mortgagee clause after lender's name. Please provide updated title policy with ISAOA/ATIMA verbiage after XXX 04/03: The title commitment is the ALTA Owners Policy 07-01-2021. This policy specifically has language there is an inherent guarantee that the policy extends to the assignee of the insured mortgage. “Future owner of the indebtedness” means the same as ISAOA, so we can proceed given the fact it is ALTA Loan Policy of Title Insurance 2021 v. 01.00 (7-1-2021). 20250403: Received   Cleared 4/3/2025   D A D A D A D A D A D A
XXX XXX 304493895 XXX 2/27/2025 Credit Closing Documentation Conveyance Deed Missing or Defective Missing conveyance deed from XXX to XXX XXX overlay - please clear any outstanding conveyance deed conditions and do not cite going forward Received XXX Overlay   Cleared 3/17/2025   D A D A D A D A D A D A
XXX XXX 304639441 XXX 2/28/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 2/28: Clear 20250228: Clear   Cleared 2/28/2025   A A A A A A A A A A A A
XXX XXX 304632876 XXX 3/3/2025 Credit Title/Lien Title Insurance Missing or Defective Commitment Title Schedule A 2(b) is missing mortgagee clause after lender's name and loan amount. Please provide updated title policy with ISAOA/ATIMA verbiage and loan amount. 3/28: please see attached doc 20250328: Received title insurance   Cleared 3/28/2025   C A C A C A C A C A C A
XXX XXX 304641643 XXX 3/3/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/3: Clear 20250303: Clear   Cleared 3/3/2025   A A A A A A A A A A A A
XXX XXX 304495243 XXX 3/4/2025 Credit Closing Documentation Deed Missing or Defective Missing Conveyance Deed from XXX to XXX XXX overlay - please clear any outstanding conveyance deed conditions and do not cite going forward Received XXX Overlay   Cleared 3/17/2025   D A D A D A D A D A D A
XXX XXX 304641281 XXX 3/4/2025 Credit Title or Lien Title Insurance Coverage - Inadequate Coverage $XXX title insurance coverage < $XXX minimum coverage required 4/23: Waived via XXX email 20250423: Waived via XXX email FICO XXX, LTV 70%, DSCR 1.12 Acknowledged 4/23/2025   C B C B C B C B C B C B
XXX XXX 304637666 XXX 3/5/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/5: Clear 20250305: Clear   Cleared 3/5/2025   A A A A A A A A A A A A
XXX XXX 304641633 XXX 3/5/2025 Credit Application Processing Loan Application Missing or Defective Missing Loan Application 3/6: Waived via email 20250306: Waived via email LTV 72.76%, FICO XXX, DSCR 1.20 Acknowledged 3/6/2025   D B D B D B D B D B D B
XXX XXX 304497345 XXX 3/5/2025 Credit Closing Documentation Deed Missing or Defective Missing conveyance deed from XXX to XXX XXX overlay - please clear any outstanding conveyance deed conditions and do not cite going forward Received XXX Overlay   Cleared 3/7/2025   D A D A D A D A D A D A
XXX XXX 304639802 XXX 3/7/2025 Credit Title or Lien Title Insurance Coverage - Inadequate Coverage $XXX title insurance coverage < $XXX minimum coverage required 3/14: Please see attached doc XXX 3.14 20250314: Received   Cleared 3/14/2025   C A C A C A C A C A C A
XXX XXX 304642358 XXX 3/10/2025 Credit Title/Lien Closing Protection Letter Missing or Defective Closing protection letter is missing mortgagee clause after lender's name. Please provide updated CPL with ISAOA/ATIMA verbiage after XXX 3/12: Per the XXX guidelines, the ISAOA verbiage on closing protection letters is only required on the final title policy. 20250312: ALTA 2021 policy, language present   Cleared 3/12/2025   C A C A C A C A C A C A
XXX XXX 304642358 XXX 3/10/2025 Credit Title or Lien Title Insurance Coverage - Inadequate Coverage $ XXX title insurance coverage < $XXX minimum coverage required 3/27: please see attached please clear thank you 20250327: Received title insurance   Cleared 3/27/2025   C A C A C A C A C A C A
XXX XXX 304632118 XXX 3/10/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/10: Clear 20250310: Clear   Cleared 3/10/2025   A A A A A A A A A A A A
XXX XXX 304632979 XXX 3/11/2025 Credit Credit Documentation Entity Documentation Missing or Defective Missing EIN for XXX 3/12 XXX: An exception was made to proceed with SSN rather than EIN 20250313: Received XXX exception approval FICO XXX, LTV 48.19%, DSCR 1.23 Acknowledged 3/13/2025   D B D B D B D B D B D B
XXX XXX 304485202 XXX 3/11/2025 Property Appraisal Documentation Appraisal Review - Missing Missing appraisal review for subject property: XXX 3/12 XXX: Second appraisal attached 20250313: Received   Cleared 3/13/2025   D A D A D A D A D A D A
XXX XXX 304637188 XXX 3/11/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/11 Clear 20250311: Clear   Cleared 3/11/2025   A A A A A A A A A A A A
XXX XXX 304638438 XXX 3/11/2025 Property Insurance Hazard Insurance Missing or Defective Missing Hazard Insurance Expiration Date. 3/12 XXX: Please see page 2 which confirms the policy provided is annual. The expiration date would be one year from the effective date. 20250312: Expiration date received   Cleared 3/12/2025   C A C A C A C A C A C A
XXX XXX 304643438 XXX 3/11/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/11 Clear 20250311: Clear   Cleared 3/11/2025   A A A A A A A A A A A A
XXX XXX 304654917 XXX 3/11/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/11 Clear 20250311: Clear   Cleared 3/11/2025   A A A A A A A A A A A A
XXX XXX 304632514 XXX 3/11/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/11: Clear 20250311: Clear   Cleared 3/11/2025   A A A A A A A A A A A A
XXX XXX 304485202 XXX 3/11/2025 Credit Title/Lien Title Insurance Missing or Defective Preliminary Title Schedule A is missing policy coverage amount and mortgagee clause after lender's name. Please provide updated title policy with ISAOA/ATIMA verbiage and coverage amount 3/12 XXX: After investor call on XX/XX/XXXX, this condition should no longer be necessary. Please waive. 20250313: Agree, clear   Cleared 3/13/2025   C A C A C A C A C A C A
XXX XXX 304643293 XXX 3/11/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/11 Clear 20250311: Clear   Cleared 3/11/2025   A A A A A A A A A A A A
XXX XXX 304642788 XXX 3/11/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/11 Clear 20250311: Clear   Cleared 3/11/2025   A A A A A A A A A A A A
XXX XXX 304663731 XXX 3/12/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/12: Clear 20250312: Clear   Cleared 3/12/2025   A A A A A A A A A A A A
XXX XXX 304642593 XXX 3/12/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/12: Clear 20250312: Clear   Cleared 3/12/2025   A A A A A A A A A A A A
XXX XXX 304632983 XXX 3/12/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/12: Clear 20250312: Clear   Cleared 3/12/2025   A A A A A A A A A A A A
XXX XXX 304632116 XXX 3/12/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/12: Clear 20250312: Clear   Cleared 3/12/2025   A A A A A A A A A A A A
XXX XXX 304640411 XXX 3/12/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/12: Clear 20250312: Clear   Cleared 3/12/2025   A A A A A A A A A A A A
XXX XXX 304640391 XXX 3/12/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/12: Clear 20250312: Clear   Cleared 3/12/2025   A A A A A A A A A A A A
XXX XXX 304641860 XXX 3/12/2025 Credit Title/Lien Title Insurance Coverage - Inadequate Coverage $XXX title insurance coverage < $XXX minimum coverage required 3/13 XXX please see attached please clear thank you 20250313: Received   Cleared 3/13/2025   C A C A C A C A C A C A
XXX XXX 304641858 XXX 3/12/2025 Credit Title/Lien Title Insurance Coverage - Inadequate Coverage $XXX title insurance coverage < $XXX minimum coverage required 3/18: please see attached 20250318: Received title insurance   Cleared 3/18/2025   C A C A C A C A C A C A
XXX XXX 304641148 XXX 3/12/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/12: Clear 20250312: Clear   Cleared 3/12/2025   A A A A A A A A A A A A
XXX XXX 304636784 XXX 3/12/2025 Credit Hazard Insurance Hazard Insurance Missing or Defective Hazard insurance policy is missing mortgage clause. Please provide updated hazard policy with ISAOA/ATIMA verbiage 03/25 XXX: 03/25 XXX: Please see attached confirmation of mortgagee section with ISAOA/ATIMA. 20250325: Received   Cleared 3/25/2025   C A C A C A C A C A C A
XXX XXX 304640407 XXX 3/13/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/13: Clear 20250313: Clear   Cleared 3/13/2025   A A A A A A A A A A A A
XXX XXX 304642486 XXX 3/13/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/13: Clear 20250313: Clear   Cleared 3/13/2025   A A A A A A A A A A A A
XXX XXX 304637809 XXX 3/13/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/13: Clear 20250313: Clear   Cleared 3/13/2025   A A A A A A A A A A A A
XXX XXX 304643990 XXX 3/13/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/13: Clear 20250313: Clear   Cleared 3/13/2025   A A A A A A A A A A A A
XXX XXX 304637818 XXX 3/13/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/13: Clear 20250313: Clear   Cleared 3/13/2025   A A A A A A A A A A A A
XXX XXX 304637125 XXX 3/13/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/13: Clear 20250313: Clear   Cleared 3/13/2025   A A A A A A A A A A A A
XXX XXX 304639672 XXX 3/14/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/14: Clear 20250314: Clear   Cleared 3/14/2025   A A A A A A A A A A A A
XXX XXX 304631741 XXX 3/14/2025 Credit Borrower Requirements Not Met Guarantor Identification Missing or Defective Guarantor government ID license is missing 3/19: Pat Act Completed 20250319: Received   Cleared 3/19/2025   D A D A D A D A D A D A
XXX XXX 304494039 XXX 3/14/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/14: Clear 20250314: Clear   Cleared 3/14/2025   A A A A A A A A A A A A
XXX XXX 304641749 XXX 3/14/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/14: Clear 20250314: Clear   Cleared 3/14/2025   A A A A A A A A A A A A
XXX XXX 304572229 XXX 3/17/2025 Credit Title/Lien Title Insurance Coverage - Inadequate Coverage  $XXX title insurance coverage < $XXX minimum insurance required 3/21: please see attached 20250321: Received title insurance   Cleared 3/21/2025   C A C A C A C A C A C A
XXX XXX 304613737 XXX 3/17/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/17: Clear 20250317: Clear   Cleared 3/17/2025   A A A A A A A A A A A A
XXX XXX 304643371 XXX 3/17/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/17: Clear 20250317: Clear   Cleared 3/17/2025   A A A A A A A A A A A A
XXX XXX 304639791 XXX 3/17/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/17: Clear 20250317: Clear   Cleared 3/17/2025   A A A A A A A A A A A A
XXX XXX 304663735 XXX 3/17/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/17: Clear 20250317: Clear   Cleared 3/17/2025   A A A A A A A A A A A A
XXX XXX 304640555 XXX 3/17/2025 Credit Title/Lien Closing Protection Letter Missing or Defective Closing protection letter is missing 3/19: CPL Attached 20250319: Received   Cleared 3/19/2025   D A D A D A D A D A D A
XXX XXX 304663312 XXX 3/17/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/17: Clear 20250317: Clear   Cleared 3/17/2025   A A A A A A A A A A A A
XXX XXX 304643041 XXX 3/17/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/17: Clear 20250317: Clear   Cleared 3/17/2025   A A A A A A A A A A A A
XXX XXX 304638434 XXX 3/17/2025 Property Insurance Hazard Insurance Missing or Defective Hazard insurance policy is missing mortgage clause after Lender's name. Please provide updated hazard policy with ISAOA/ATIMA verbiage  3/25 XXX: Please see attached document 20250325: Received   Cleared 3/25/2025   C A C A C A C A C A C A
XXX XXX 304654923 XXX 3/17/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/17: Clear 20250317: Clear   Cleared 3/17/2025   A A A A A A A A A A A A
XXX XXX 304665201 XXX 3/17/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/17: Clear 20250317: Clear   Cleared 3/17/2025   A A A A A A A A A A A A
XXX XXX 304641868 XXX 3/17/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/17: Clear 20250317: Clear   Cleared 3/17/2025   A A A A A A A A A A A A
XXX XXX 304637114 XXX 3/17/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/17: Clear 20250317: Clear   Cleared 3/17/2025   A A A A A A A A A A A A
XXX XXX 304640555 XXX 3/17/2025 Credit Hazard Insurance Hazard Insurance Missing or Defective Missing hazard insurance for subject property: XXX. The insurance in file is for the incorrect property. 3/19: Insurance 20250319: Received   Cleared 3/19/2025   D A D A D A D A D A D A
XXX XXX 304642498 XXX 3/17/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/17: Clear 20250317: Clear   Cleared 3/17/2025   A A A A A A A A A A A A
XXX XXX 304512135 XXX 3/18/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/18: Clear 20250318: Clear   Cleared 3/18/2025   A A A A A A A A A A A A
XXX XXX 304638647 XXX 3/18/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/18: Clear 20250318: Clear   Cleared 3/18/2025   A A A A A A A A A A A A
XXX XXX 304634580 XXX 3/18/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/18: Clear 20250318: Clear   Cleared 3/18/2025   A A A A A A A A A A A A
XXX XXX 304643368 XXX 3/18/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/18: Clear 20250318: Clear   Cleared 3/18/2025   A A A A A A A A A A A A
XXX XXX 304663412 XXX 3/18/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/18: Clear 20250318: Clear   Cleared 3/18/2025   A A A A A A A A A A A A
XXX XXX 304663320 XXX 3/18/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/18: Clear 20250318: Clear   Cleared 3/18/2025   A A A A A A A A A A A A
XXX XXX 304641620 XXX 3/18/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/18: Clear 20250318: Clear   Cleared 3/18/2025   A A A A A A A A A A A A
XXX XXX 304497359 XXX 3/18/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/18: Clear 20250318: Clear   Cleared 3/18/2025   A A A A A A A A A A A A
XXX XXX 304671375 XXX 3/18/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/18: Clear 20250318: Clear   Cleared 3/18/2025   A A A A A A A A A A A A
XXX XXX 304636591 XXX 3/19/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/19: Clear 20250319: Clear   Cleared 3/19/2025   A A A A A A A A A A A A
XXX XXX 304634484 XXX 3/19/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/19: Clear 20250319: Clear   Cleared 3/19/2025   A A A A A A A A A A A A
XXX XXX 304643423 XXX 3/19/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/19: Clear 20250319: Clear   Cleared 3/19/2025   A A A A A A A A A A A A
XXX XXX 304655580 XXX 3/19/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/19: Clear 20250319: Clear   Cleared 3/19/2025   A A A A A A A A A A A A
XXX XXX 304442927 XXX 3/19/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/19: Clear 20250319: Clear   Cleared 3/19/2025   A A A A A A A A A A A A
XXX XXX 304643083 XXX 3/19/2025 Credit Title or Lien Title Insurance Coverage - Inadequate Coverage $XXX title insurance coverage < $XXX minimum coverage required 4/11: please see atchhed doc XXX 4.11 20250411: Received   Cleared 4/11/2025   C A C A C A C A C A C A
XXX XXX 304640357 XXX 3/19/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/19: Clear 20250319: Clear   Cleared 3/19/2025   A A A A A A A A A A A A
XXX XXX 304639963 XXX 3/19/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/19: Clear 20250319: Clear   Cleared 3/19/2025   A A A A A A A A A A A A
XXX XXX 304664440 XXX 3/20/2025 Credit Insurance Hazard Insurance Missing or Defective Hazard insurance policy is missing policy number. Please provide the updated hazard insurance 3/25: attached 20250325: Received   Cleared 3/25/2025   C A C A C A C A C A C A
XXX XXX 304636451 XXX 3/20/2025 Credit Title or Lien Title Insurance Coverage - Inadequate Coverage $XXX title insurance coverage < $XXX minimum coverage required 3/21: Title Commitment 20250321: Received title insurance   Cleared 3/21/2025   C A C A C A C A C A C A
XXX XXX 304664505 XXX 3/20/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/20: Clear 20250320: Clear   Cleared 3/20/2025   A A A A A A A A A A A A
XXX XXX 304640386 XXX 3/20/2025 Credit Title or Lien Title Insurance Coverage - Inadequate Coverage $XXX title insurance coverage < $XXX minimum coverage required 3/24: Title Policy 20250324: Received title insurance   Cleared 3/24/2025   C A C A C A C A C A C A
XXX XXX 304639880 XXX 3/20/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/20: Clear 20250320: Clear   Cleared 3/20/2025   A A A A A A A A A A A A
XXX XXX 304641757 XXX 3/20/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/20: Clear 20250320: Clear   Cleared 3/20/2025   A A A A A A A A A A A A
XXX XXX 304667850 XXX 3/21/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/21: Clear 20250321: Clear   Cleared 3/21/2025   A A A A A A A A A A A A
XXX XXX 304643462 XXX 3/21/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/21: Clear 20250321: Clear   Cleared 3/21/2025   A A A A A A A A A A A A
XXX XXX 304637912 XXX 3/21/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/21: Clear 20250321: Clear   Cleared 3/21/2025   A A A A A A A A A A A A
XXX XXX 304670835 XXX 3/21/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/21: Clear 20250321: Clear   Cleared 3/21/2025   A A A A A A A A A A A A
XXX XXX 304640397 XXX 3/21/2025 Credit Title or Lien Title Insurance Coverage - Inadequate Coverage $XXX title insurance coverage < $XXX minimum coverage required 4/15: please see attached please clear thank you 20250415: Received   Cleared 4/15/2025   C A C A C A C A C A C A
XXX XXX 304642484 XXX 3/21/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/21: Clear 20250321: Clear   Cleared 3/21/2025   A A A A A A A A A A A A
XXX XXX 304667883 XXX 3/24/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/24: Clear 20250324: Clear   Cleared 3/24/2025   A A A A A A A A A A A A
XXX XXX 304572241 XXX 3/24/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/24: Clear 20250324: Clear   Cleared 3/24/2025   A A A A A A A A A A A A
XXX XXX 304663730 XXX 3/24/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/24: Clear 20250324: Clear   Cleared 3/24/2025   A A A A A A A A A A A A
XXX XXX 304638569 XXX 3/24/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/24: Clear 20250324: Clear   Cleared 3/24/2025   A A A A A A A A A A A A
XXX XXX 304663300 XXX 3/24/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/24: Clear 20250324: Clear   Cleared 3/24/2025   A A A A A A A A A A A A
XXX XXX 304671461 XXX 3/24/2025 Credit Title/Lien Title Insurance Coverage - Inadequate Coverage $XXX title insurance coverage < $XXX minimum coverage required 3/25 XXX please see attached please clear thank you 20250325: Received   Cleared 3/25/2025   C A C A C A C A C A C A
XXX XXX 304497366 XXX 3/24/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/24: Clear 20250324: Clear   Cleared 3/24/2025   A A A A A A A A A A A A
XXX XXX 304664498 XXX 3/25/2025 Credit Title/Lien Title Insurance Missing or Defective Preliminary Title Schedule A is missing policy coverage amount and mortgagee clause after lender's name. Please provide updated title policy with ISAOA/ATIMA verbiage and coverage amount 3/31XXX please see attached please clear thank you 20250331: Received   Cleared 3/31/2025   D A D A D A D A D A D A
XXX XXX 304663308 XXX 3/25/2025 Property Appraisal Documentation Completion Report or 1004D - Missing Missing 1004D Document 3/26 XXX: Please see attached inspection report. 20250326: Received   Cleared 3/26/2025   D A D A D A D A D A D A
XXX XXX 304667852 XXX 3/25/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/25: Clear 20250325: Clear   Cleared 3/25/2025   A A A A A A A A A A A A
XXX XXX 304671372 XXX 3/25/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/25: Clear 20250325: Clear   Cleared 3/25/2025   A A A A A A A A A A A A
XXX XXX 304641153 XXX 3/25/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/25: Clear 20250325: Clear   Cleared 3/25/2025   A A A A A A A A A A A A
XXX XXX 304642595 XXX 3/25/2025 Credit Title/Lien Title Insurance Missing or Defective Provided title insurance is a preliminary policy with no coverage amount and mortgagee clause. Please provide a title supplement or updated title insurance to meet guideline requirements.  3/27: please see attached please clear thank you 20250327: Received title insurance   Cleared 3/27/2025   C A C A C A C A C A C A
XXX XXX 304495162 XXX 3/25/2025 Credit Title/Lien Title Insurance Missing or Defective Title Commitment Schedule A is missing policy coverage amount and mortgagee clause after lender's name. Please provide updated title policy with ISAOA/ATIMA verbiage and coverage amount 4/7: updated Commitment attached 20250407: Received   Cleared 4/7/2025   D A D A D A D A D A D A
XXX XXX 304642595 XXX 3/25/2025 Credit Borrower Requirements Not Met DSCR Minimum Not Met Significant data discrepancy between XXX DSCR value of 1.30 and tape value of 1.00. Breakdown: Monthly breakdown is as follows: Income $XXX/ P&I  $XXX + Hazard Insurance  $XXX + Property Taxes  $XXX 3/27: XXX taxes are reassessed when ownership is transferred. XXX estimates the taxes at 1.25% of the purchase price which comes out to annual taxes of $XXX. Please correct the monthly tax payment. This should resolve the discrepancy. 20250327: Received estimated tax amount from XXX. DSCR discrepancy resolved   Cleared 3/27/2025   C A C A C A C A C A C A
XXX XXX 304640399 XXX 3/26/2025 Credit Title or Lien Title Insurance Coverage - Inadequate Coverage $XXX title insurance coverage < $XXX minimum coverage required 4/15: Title Policy 20250415: Received   Cleared 4/15/2025   C A C A C A C A C A C A
XXX XXX 304676133 XXX 3/26/2025 Credit Title or Lien Title Insurance Coverage - Inadequate Coverage $XXX title insurance coverage < $XXX minimum coverage required 4/22: please see attached 20250422: Received   Cleared 4/22/2025   C A C A C A C A C A C A
XXX XXX 304496641 XXX 3/26/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/26: Clear 20250326: Clear   Cleared 3/26/2025   A A A A A A A A A A A A
XXX XXX 304640045 XXX 3/26/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/26: Clear 20250326: Clear   Cleared 3/26/2025   A A A A A A A A A A A A
XXX XXX 304678697 XXX 3/26/2025 Credit Insurance Hazard Insurance Missing or Defective Hazard insurance policy is missing policy number. Please provide the updated hazard insurance 3/31 XXX: The master insurance policy includes all-in coverage. A correction is not needed, as the H06 policy was not required in the first place. 20250401: Received   Cleared 4/1/2025   D A D A D A D A D A D A
XXX XXX 304665290 XXX 3/27/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/27: Clear 20250327: Clear   Cleared 3/27/2025   A A A A A A A A A A A A
XXX XXX 304669808 XXX 3/27/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/27: Clear 20250327: Clear   Cleared 3/27/2025   A A A A A A A A A A A A
XXX XXX 304676067 XXX 3/27/2025 Credit Title/Lien Title Insurance Coverage - Inadequate Coverage $XXX title insurance coverage < $XXX minimum coverage required 3/28: please see attached please clear thank you 20250328: Received title insurance   Cleared 3/28/2025   C A C A C A C A C A C A
XXX XXX 304676067 XXX 3/27/2025 Credit Application Processing Entity Documentation - Missing or Defective Missing EIN for borrowing entity: XXX 03/31/2025 - XXX: Please see attached verification of business containing the ID number for XXX. 20250331: Received   Cleared 3/31/2025   D A D A D A D A D A D A
XXX XXX 304643116 XXX 3/27/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/27: Clear 20250327: Clear   Cleared 3/27/2025   A A A A A A A A A A A A
XXX XXX 304674610 XXX 3/27/2025 Credit Title/Lien Title Insurance Coverage - Inadequate Coverage $XXX title insurance coverage < $XXX minimum coverage required 3/28: please see attached please clear thank you 20250328: Received title insurance   Cleared 3/28/2025   C A C A C A C A C A C A
XXX XXX 304672372 XXX 3/27/2025 Credit Title/Lien Title Insurance Coverage - Inadequate Coverage $XXX title insurance coverage < $XXX minimum coverage required 4/3: please see attached 20250403: Received   Cleared 4/3/2025   C A C A C A C A C A C A
XXX XXX 304644129 XXX 3/28/2025 Credit Insurance Hazard Insurance Missing or Defective Hazard insurance policy is missing lender's name and mortgage clause. Please provide updated hazard policy with ISAOA/ATIMA verbiage 4/17 XXX: Please see attached HOI policy. 20250417: Received   Cleared 4/17/2025   C A C A C A C A C A C A
XXX XXX 304669807 XXX 3/28/2025 Credit Title/Lien Title Insurance Coverage - Inadequate Coverage $XXX title insurance coverage < $XXX minimum coverage required.  4/7: please see attached doc XXX 4.07 20250407: Received   Cleared 4/7/2025   C A C A C A C A C A C A
XXX XXX 304511641 XXX 3/28/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/28: Clear 20250328: Clear   Cleared 3/28/2025   A A A A A A A A A A A A
XXX XXX 304638432 XXX 3/31/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/31: Clear 20250331: Clear   Cleared 3/31/2025   A A A A A A A A A A A A
XXX XXX 304671366 XXX 3/31/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/31: Clear 20250331: Clear   Cleared 3/31/2025   A A A A A A A A A A A A
XXX XXX 304676727 XXX 3/31/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/31: Clear 20250331: Clear   Cleared 3/31/2025   A A A A A A A A A A A A
XXX XXX 304669802 XXX 3/31/2025 Credit Title or Lien Title Insurance Coverage - Inadequate Coverage $XXX title insurance coverage < $XXX minimum coverage required 4/10: Please see attached doc XXX 4.10 20250410: Received   Cleared 4/10/2025   C A C A C A C A C A C A
XXX XXX 304642790 XXX 3/31/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/31: Clear 20250331: Clear   Cleared 3/31/2025   A A A A A A A A A A A A
XXX XXX 304668970 XXX 3/31/2025 Credit Debt Service Coverage Ratio Documentation Hazard Insurance Missing or Defective Hazard insurance missing premium amount. Please provide updated documentation. 4/15: Please see attached policy. 20250415: Received   Cleared 4/15/2025   C A C A C A C A C A C A
XXX XXX 304665294 XXX 3/31/2025 Credit Debt Service Coverage Ratio Documentation Subject Property Lease - Missing or Defective Missing lease agreement for subject property located at: XXX 4/1: DSCR matrix allows for loans with a LTV under 70% to qualify without a lease 20250401: Confirmed the use of market rent to qualify   Cleared 4/1/2025   D A D A D A D A D A D A
XXX XXX 304665080 XXX 3/31/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/31: Clear 20250331: Clear   Cleared 3/31/2025   A A A A A A A A A A A A
XXX XXX 304632707 XXX 4/1/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/1: Clear 20250401: Clear   Cleared 4/1/2025   A A A A A A A A A A A A
XXX XXX 304676850 XXX 4/1/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/1: Clear 20250401: Clear   Cleared 4/1/2025   A A A A A A A A A A A A
XXX XXX 304643984 XXX 4/1/2025 Property Insurance Hazard Insurance Missing or Defective Hazard insurance policy is missing mortgage clause after lender's name. Please provide updated hazard policy with ISAOA/ATIMA verbiage. 4/9 XXX: See attached updated policy 20250409: Received   Cleared 4/9/2025   C A C A C A C A C A C A
XXX XXX 304643984 XXX 4/1/2025 Credit Title/Lien Title Insurance Missing or Defective Title preliminary report in file is missing mortgagee clause after lender's name and coverage amount. Please provide updated title insurance policy with ISAOA/ATIMA verbiage. 4/9 XXX: The policy lists it as "ALTA Loan Policy of Title Insurance - 2021". There are not multiple different 2021 policies, the only 2021 policy was the one affective 7/1/21. Thank you
4/7 XXX: Within the ALTA Loan Policy of Title Insurance 2021 v. 01.00 (7-1-2021) language there is an inherent guarantee that the policy extends to the assignee of the insured mortgage. “Future owner of the indebtedness” means the same as ISAOA, as it is the successor or assignee.		 20250409: Agree, clear
20250407: Understood, preliminary title does not indicate which ALTA policy will be issued. We must receive evidence it is a 7/1/2021 ALTA policy		   Cleared 4/9/2025   D A D A D A D A D A D A
XXX XXX 304640393 XXX 4/1/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/1: Clear 20250401: Clear   Cleared 4/1/2025   A A A A A A A A A A A A
XXX XXX 304666718 XXX 4/1/2025 Property Insurance Hazard Insurance Missing or Defective Hazard insurance policy is missing mortgage clause after Lender's name. Please provide updated hazard policy with ISAOA/ATIMA verbiage after XXX 4/9 XXX: Please see attached amendment. 20250409: Received   Cleared 4/9/2025   C A C A C A C A C A C A
XXX XXX 304670869 XXX 4/1/2025 Property Flood Insurance Flood Insurance Missing or Defective Missing Flood Insurance at property located at : XXX 4/7: updated flood cert 20250407: Received   Cleared 4/7/2025   D A D A D A D A D A D A
XXX XXX 304640117 XXX 4/2/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/2: Clear 20250402: Clear   Cleared 4/2/2025   A A A A A A A A A A A A
XXX XXX 304639882 XXX 4/2/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/2: Clear 20250402: Clear   Cleared 4/2/2025   A A A A A A A A A A A A
XXX XXX 304665115 XXX 4/2/2025 Credit Title/Lien Closing Protection Letter Missing or Defective Missing Closing Protection Letter. 4/4: CPL 20250404: Received   Cleared 4/4/2025   D A D A D A D A D A D A
XXX XXX 304643361 XXX 4/2/2025 Property Appraisal Review Appraisal Review - Missing Missing appraisal review for subject property: XXX 4/7 - XXX: Please see the attached secondary valuation
4/3: Please see attached.		 20250407: CDA received
20250403: Please provide an appraisal review for subject property. The document provided is the appraisal. 		   Cleared 4/7/2025   D A D A D A D A D A D A
XXX XXX 304678024 XXX 4/2/2025 Credit Title or Lien Title Insurance Coverage - Inadequate Coverage $XXX title insurance coverage < $XXX minimum coverage required  4/8 XXX please see attached please clear thank you 20250408: Received   Cleared 4/8/2025   C A C A C A C A C A C A
XXX XXX 304678024 XXX 4/2/2025 Property Insurance Hazard Insurance Missing or Defective Hazard and flood insurance start 3 days after the note date. Please provide updated hazard and flood insurance that start before or on the note date 4/16: XXX is a dry-funding state, which only requires coverage to be effective as of the disbursement date, which was XX/XX/XXXX. 20250416: Rescinded   Cleared 4/16/2025   C A C A C A C A C A C A
XXX XXX 304639676 XXX 4/2/2025 Credit Debt Service Coverage Ratio Eligibility DSCR Minimum Not Met 0.96 DSCR < 1.00 minimum DSCR required. Monthly breakdown is as follows: Monthly breakdown is as follows: Income $XXX/ P&I  $XXX + Hazard Insurance  $XXX + Property Taxes  $XXX + HOA $XXX 4/3 XXX: The HOA company confirmed the monthly dues are $XXX per month for the subject unit. 20250404: Updated HOA fee received, DSCR 1.09   Cleared 4/4/2025   C A C A C A C A C A C A
XXX XXX 304674609 XXX 4/2/2025 Credit Application Processing Entity Documentation - Missing or Defective Missing operating agreement for borrowing entity to verify ownership percentage. 4/3 XXX: Please see attached corporate resolution breaking up ownership percentage. 20250404: Received   Cleared 4/4/2025   D A D A D A D A D A D A
XXX XXX 304679573 XXX 4/2/2025 Credit Title or Lien Title Insurance Coverage - Inadequate Coverage $XXX title insurance coverage < $XXX minimum coverage required 4/16: Please see attached doc 20250416: Clear   Cleared 4/16/2025   C A C A C A C A C A C A
XXX XXX 304674609 XXX 4/2/2025 Credit Title or Lien Title Insurance Coverage - Inadequate Coverage $XXX title insurance coverage < $XXX minimum coverage required 4/3: please see attached please clear thank you 20250403: Received   Cleared 4/3/2025   C A C A C A C A C A C A
XXX XXX 304678026 XXX 4/3/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/3: Clear 20250403: Clear   Cleared 4/3/2025   A A A A A A A A A A A A
XXX XXX 304666841 XXX 4/3/2025 Credit Hazard Insurance Hazard Insurance Missing or Defective Hazard insurance policy is missing mortgage clause after Lender's name. Please provide updated hazard policy with ISAOA/ATIMA verbiage after Lender name. 4/9 XXX: See attached updated insurance 20250410: Received   Cleared 4/10/2025   C A C A C A C A C A C A
XXX XXX 304667951 XXX 4/3/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/3: Clear 20250403: Clear   Cleared 4/3/2025   A A A A A A A A A A A A
XXX XXX 304676724 XXX 4/3/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/3: Clear 20250403: Clear   Cleared 4/3/2025   A A A A A A A A A A A A
XXX XXX 304678755 XXX 4/3/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/3: Clear 20250403: Clear   Cleared 4/3/2025   A A A A A A A A A A A A
XXX XXX 304666714 XXX 4/3/2025 Credit Debt Service Coverage Ratio Documentation Short Term Rental Income - Missing or Defective Missing 12 month short term reantal income for subject property located at: XXX 04/04 XXX: Please see attached 20250407: STR income received, DSCR 1.90   Cleared 4/7/2025   D A D A D A D A D A D A
XXX XXX 304666830 XXX 4/3/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/3: Clear 20250403: Clear   Cleared 4/3/2025   A A A A A A A A A A A A
XXX XXX 304678086 XXX 4/3/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/3: Clear 20250403: Clear   Cleared 4/3/2025   A A A A A A A A A A A A
XXX XXX 304665195 XXX 4/3/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/3: Clear 20250403: Clear   Cleared 4/3/2025   A A A A A A A A A A A A
XXX XXX 304666837 XXX 4/4/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/4: Clear 20250404: Clear   Cleared 4/4/2025   A A A A A A A A A A A A
XXX XXX 304678753 XXX 4/4/2025 Credit Title/Lien Title Insurance Coverage - Inadequate Coverage $XXX title insurance coverage < $XXX minimum coverage required 4/16: please see attached doc XXX 4.16 20250416: Received   Cleared 4/16/2025   C A C A C A C A C A C A
XXX XXX 304677273 XXX 4/4/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/4: Clear 20250404: Clear   Cleared 4/4/2025   A A A A A A A A A A A A
XXX XXX 304678353 XXX 4/4/2025 Credit Title/Lien Title Insurance Coverage - Inadequate Coverage $XXX  title insurance coverage < $XXX minimum coverage required 4/9 XXX-please see attached 20250409: Received   Cleared 4/9/2025   C A C A C A C A C A C A
XXX XXX 304671362 XXX 4/4/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/4: Clear 20250404: Clear   Cleared 4/4/2025   A A A A A A A A A A A A
XXX XXX 304677838 XXX 4/4/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/4: Clear 20250404: Clear   Cleared 4/4/2025   A A A A A A A A A A A A
XXX XXX 304640358 XXX 4/7/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/7: Clear 20250407: Clear   Cleared 4/7/2025   A A A A A A A A A A A A
XXX XXX 304664499 XXX 4/7/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/7: Clear 20250407: Clear   Cleared 4/7/2025   A A A A A A A A A A A A
XXX XXX 304665720 XXX 4/7/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/7: Clear 20250407: Clear   Cleared 4/7/2025   A A A A A A A A A A A A
XXX XXX 304654804 XXX 4/7/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/7: Clear 20250407: Clear   Cleared 4/7/2025   A A A A A A A A A A A A
XXX XXX 304679181 XXX 4/7/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/7: Clear 20250407: Clear   Cleared 4/7/2025   A A A A A A A A A A A A
XXX XXX 304654809 XXX 4/7/2025 Credit Insurance Hazard Insurance Missing or Defective Hazard insurance policy is missing lender's name and mortgage clause. Please provide updated hazard policy with ISAOA/ATIMA verbiage 4/17 XXX: Please see attached document 20250417: Received   Cleared 4/17/2025   C A C A C A C A C A C A
XXX XXX 304666726 XXX 4/7/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/7: Clear 20250407: Clear   Cleared 4/7/2025   A A A A A A A A A A A A
XXX XXX 304643301 XXX 4/7/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/7: Clear 20250407: Clear   Cleared 4/7/2025   A A A A A A A A A A A A
XXX XXX 304671463 XXX 4/7/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/7: Clear 20250407: Clear   Cleared 4/7/2025   A A A A A A A A A A A A
XXX XXX 304654687 XXX 4/7/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/7: Clear 20250407: Clear   Cleared 4/7/2025   A A A A A A A A A A A A
XXX XXX 304677839 XXX 4/7/2025 Credit Title or Lien Chain of Title Missing or Defective Missing 12 month Chain Of Title for subject property: XXX 4/8 XXX: Please note that the Chain of Title was provided on page 11 of the Preliminary Title Commitment. Line item #12 of the Notes section lists the conveyances linked to the property within 24 months of the report date, which is documentation of the Chain of Title. 20250409: Received   Cleared 4/9/2025   D A D A D A D A D A D A
XXX XXX 304654809 XXX 4/7/2025 Credit Title/Lien Title Insurance Coverage - Inadequate Coverage $XXX title insurance coverage < $XXX minimum coverage required. 4/8: Title Commitment 20250408: Received   Cleared 4/8/2025   C A C A C A C A C A C A
XXX XXX 304677364 XXX 4/7/2025 Credit Title or Lien Title Insurance Missing or Defective Provided title insurance is a preliminary policy with no coverage amount and ISAOA/ATIMA. Please provide a title supplement or updated title insurance to meet guideline requirements.  4/11 XXX: Please see attached title commitment. Within the ALTA Loan Policy of Title Insurance 2021 v. 01.00 (7-1-2021) language there is an inherent guarantee that the policy extends to the assignee of the insured mortgage. “Future owner of the indebtedness” means the same as ISAOA, as it is the successor or assignee. 20250411: Received   Cleared 4/11/2025   C A C A C A C A C A C A
XXX XXX 304677272 XXX 4/7/2025 Credit Title/Lien Title Insurance Coverage - Inadequate Coverage $XXX title insurance coverage < $XXX minimum coverage required 4/23: Waived via XXX email 20250423: Waived via XXX email DSCR 1.79, LTV 69.97%, months reserves XXX Acknowledged 4/23/2025   C B C B C B C B C B C B
XXX XXX 304678272 XXX 4/7/2025 Credit Title/Lien Title Insurance Coverage - Inadequate Coverage $XXX title insurance coverage < $XXX minimum coverage required. 4/11 XXX-Please see attached 20250413: Received   Cleared 4/13/2025   C A C A C A C A C A C A
XXX XXX 304663403 XXX 4/8/2025 Credit Title/Lien Title Insurance Missing or Defective Provided title insurance is a preliminary policy with no coverage amount or mortgagee clause. Please provide a title supplement or updated title insurance to meet guideline requirements.  4/15: please see attached, please clear thank you 20250415: Received   Cleared 4/15/2025   C A C A C A C A C A C A
XXX XXX 304669813 XXX 4/8/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/8: Clear 20250408: Clear   Cleared 4/8/2025   A A A A A A A A A A A A
XXX XXX 304679581 XXX 4/8/2025 Credit Title/Lien Title Insurance Coverage - Inadequate Coverage $XXX title insurance coverage < $XXX minimum coverage required 4/17: Title Policy 20250417: Received   Cleared 4/17/2025   C A C A C A C A C A C A
XXX XXX 304635615 XXX 4/8/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/8: Clear 20250408: Clear   Cleared 4/8/2025   A A A A A A A A A A A A
XXX XXX 304636773 XXX 4/9/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/9: Clear 20250409: Clear   Cleared 4/9/2025   A A A A A A A A A A A A
XXX XXX 304643983 XXX 4/9/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/9: Clear 20250409: Clear   Cleared 4/9/2025   A A A A A A A A A A A A
XXX XXX 304671352 XXX 4/9/2025 Credit Title/Lien Title Insurance Coverage - Inadequate Coverage $XXX title insurance coverage < $XXX minimum coverage required 4/15: Title Commitment 20250415: Received   Cleared 4/15/2025   C A C A C A C A C A C A
XXX XXX 304671542 XXX 4/9/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/9: Clear 20250409: Clear   Cleared 4/9/2025   A A A A A A A A A A A A
XXX XXX 304679179 XXX 4/9/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/9: Clear 20250409: Clear   Cleared 4/9/2025   A A A A A A A A A A A A
XXX XXX 304677762 XXX 4/9/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/9: Clear 20250409: Clear   Cleared 4/9/2025   A A A A A A A A A A A A
XXX XXX 304641630 XXX 4/9/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/9: Clear 20250409: Clear   Cleared 4/9/2025   A A A A A A A A A A A A
XXX XXX 304685763 XXX 4/9/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/9: Clear 20250409: Clear   Cleared 4/9/2025   A A A A A A A A A A A A
XXX XXX 304674596 XXX 4/9/2025 Credit Title/Lien Title Insurance Coverage - Inadequate Coverage $XXX title insurance coverage < $XXX minimum coverage required 4/10: Title Policy 20250410: Received   Cleared 4/10/2025   C A C A C A C A C A C A
XXX XXX 304474973 XXX 4/9/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/9: Clear 20250409: Clear   Cleared 4/9/2025   A A A A A A A A A A A A
XXX XXX 304677882 XXX 4/10/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/10: Clear 20250410: Clear   Cleared 4/10/2025   A A A A A A A A A A A A
XXX XXX 304673628 XXX 4/10/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/10: Clear 20250410: Clear   Cleared 4/10/2025   A A A A A A A A A A A A
XXX XXX 304669791 XXX 4/10/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/10: Clear 20250410: Clear   Cleared 4/10/2025   A A A A A A A A A A A A
XXX XXX 304679183 XXX 4/10/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/10: Clear 20250410: Clear   Cleared 4/10/2025   A A A A A A A A A A A A
XXX XXX 304680587 XXX 4/10/2025 Credit Title/Lien Title Insurance Missing or Defective Preliminary Title Schedule A is missing policy amount and mortgagee clause after lender's name. Please provide updated title policy with ISAOA/ATIMA verbiage and policy amount. 4/15: Title Policy 20250415: Received   Cleared 4/15/2025   C A C A C A C A C A C A
XXX XXX 304665072 XXX 4/10/2025 Credit Title/Lien Title Insurance Coverage - Inadequate Coverage $XXX title insurance coverage < $XXX minimum coverage required 4/21: please see attached doc 20250421: Received   Cleared 4/21/2025   C A C A C A C A C A C A
XXX XXX 304678663 XXX 4/11/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/11: Clear 20250411: Clear   Cleared 4/11/2025   A A A A A A A A A A A A
XXX XXX 304641742 XXX 4/11/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/11: Clear 20250411: Clear   Cleared 4/11/2025   A A A A A A A A A A A A
XXX XXX 304674603 XXX 4/11/2025 Credit Title/Lien Title Insurance Coverage - Inadequate Coverage $XXX title insurance coverage < $XXX minimum coverage required 4/18 XXX- see attached 20250418: Received   Cleared 4/18/2025   C A C A C A C A C A C A
XXX XXX 304641231 XXX 4/11/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/11: Clear 20250411: Clear   Cleared 4/11/2025   A A A A A A A A A A A A
XXX XXX 304681719 XXX 4/11/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/11: Clear 20250411: Clear   Cleared 4/11/2025   A A A A A A A A A A A A
XXX XXX 304669793 XXX 4/11/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/11: Clear 20250411: Clear   Cleared 4/11/2025   A A A A A A A A A A A A
XXX XXX 304677280 XXX 4/11/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/11: Clear 20250411: Clear   Cleared 4/11/2025   A A A A A A A A A A A A
XXX XXX 304640145 XXX 4/11/2025 Credit Title/Lien Title Insurance Coverage - Inadequate Coverage $XXX title insurance coverage < $XXX minimum coverage required 4/18 XXX-please see attached 20250418: Received   Cleared 4/18/2025   C A C A C A C A C A C A
XXX XXX 304680583 XXX 4/15/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/15: Clear 20250415: Clear   Cleared 4/15/2025   A A A A A A A A A A A A
XXX XXX 304677841 XXX 4/15/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/15: Clear 20250415: Clear   Cleared 4/15/2025   A A A A A A A A A A A A
XXX XXX 304677763 XXX 4/15/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/15: Clear 20250415: Clear   Cleared 4/15/2025   A A A A A A A A A A A A
XXX XXX 304678746 XXX 4/15/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/15: Clear 20250415: Clear   Cleared 4/15/2025   A A A A A A A A A A A A
XXX XXX 304671353 XXX 4/15/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/15: Clear 20250415: Clear   Cleared 4/15/2025   A A A A A A A A A A A A
XXX XXX 304640361 XXX 4/15/2025 Credit Title or Lien Title Insurance Coverage - Inadequate Coverage $XXX title insurance coverage < $XXX minimum coverage required 4/23: please see attached please clear thank you 20250423: Received   Cleared 4/23/2025   C A C A C A C A C A C A
XXX XXX 304680593 XXX 4/15/2025 Credit Insurance Hazard Insurance Missing or Defective Hazard insurance policy in file is missing policy number. Please provide updated hazard insurance policy 4/16: This should not be necessary. The invoice can be tied to the policy by the effective dates, premium, and provider and section F on the CD shows the premium was paid meaning coverage was bound. 20250416: Rescinded   Cleared 4/16/2025   C A C A C A C A C A C A
XXX XXX 304680593 XXX 4/15/2025 Property Appraisal Documentation Appraisal Review - Missing Missing appraisal review for subject property: XXX.  4/16: AVM attached 20250416: Received   Cleared 4/16/2025   D A D A D A D A D A D A
XXX XXX 304674605 XXX 4/15/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/15: Clear 20250415: Clear   Cleared 4/15/2025   A A A A A A A A A A A A
XXX XXX 304671369 XXX 4/15/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/15: Clear 20250415: Clear   Cleared 4/15/2025   A A A A A A A A A A A A
XXX XXX 304671633 XXX 4/15/2025 Credit Debt Service Coverage Ratio Documentation Subject Property Lease - Missing or Defective Missing lease agreement for subject property located at: XXX 4/16 XXX: The subject is a short term rental. Attached documentation was previously provided. Rental income should be calculated based on 12 month average. 20250417: Received   Cleared 4/17/2025   D A D A D A D A D A D A
XXX XXX 304679192 XXX 4/16/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/16: Clear 20250416: Clear   Cleared 4/16/2025   A A A A A A A A A A A A
XXX XXX 304676905 XXX 4/15/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/15: Clear 20250415: Clear   Cleared 4/15/2025   A A A A A A A A A A A A
XXX XXX 304679580 XXX 4/15/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/15: Clear 20250415: Clear   Cleared 4/15/2025   A A A A A A A A A A A A
XXX XXX 304678020 XXX 4/16/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/16: Clear 20250416: Clear   Cleared 4/16/2025   A A A A A A A A A A A A
XXX XXX 304671640 XXX 4/16/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/16: Clear 20250416: Clear   Cleared 4/16/2025   A A A A A A A A A A A A
XXX XXX 304664492 XXX 4/16/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/16: Clear 20250416: Clear   Cleared 4/16/2025   A A A A A A A A A A A A
XXX XXX 304665293 XXX 4/16/2025 Credit Loan Documentation Closing Documentation Missing final executed settlement statement  4/21: This is a business purpose loan that closed on XX/XX/XXXX. The attached settlement statement was used to close the loan 20250421: Rescinded   Cleared 4/21/2025   D A D A D A D A D A D A
XXX XXX 304683212 XXX 4/16/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/16: Clear 20250416: Clear   Cleared 4/16/2025   A A A A A A A A A A A A
XXX XXX 304676131 XXX 4/16/2025 No Findings No Findings Hazard Insurance Missing or Defective The loan meets all applicable guidelines 4/16: Clear 20250416: Clear   Cleared 4/16/2025   A A A A A A A A A A A A
XXX XXX 304678290 XXX 4/16/2025 Credit Title or Lien Title Insurance Coverage - Inadequate Coverage $XXX title insurance coverage < $XXX minimum coverage required 4/22: please see attached 20250422: Received   Cleared 4/22/2025   C A C A C A C A C A C A
XXX XXX 304685834 XXX 4/16/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/16: Clear 20250416: Clear   Cleared 4/16/2025   A A A A A A A A A A A A
XXX XXX 304676721 XXX 4/17/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/17: Clear 20250417: Clear   Cleared 4/17/2025   A A A A A A A A A A A A
XXX XXX 304632718 XXX 4/17/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/17: Clear 20250417: Clear   Cleared 4/17/2025   A A A A A A A A A A A A
XXX XXX 304672350 XXX 4/17/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/17: Clear 20250417: Clear   Cleared 4/17/2025   A A A A A A A A A A A A
XXX XXX 304685218 XXX 4/17/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/17: Clear 20250417: Clear   Cleared 4/17/2025   A A A A A A A A A A A A
XXX XXX 304685314 XXX 4/17/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/17: Clear 20250417: Clear   Cleared 4/17/2025   A A A A A A A A A A A A
XXX XXX 304665722 XXX 4/17/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/17: Clear 20250417: Clear   Cleared 4/17/2025   A A A A A A A A A A A A
XXX XXX 304678750 XXX 4/17/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/17: Clear 20250417: Clear   Cleared 4/17/2025   A A A A A A A A A A A A
XXX XXX 304678662 XXX 4/17/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/17: Clear 20250417: Clear   Cleared 4/17/2025   A A A A A A A A A A A A
XXX XXX 304678947 XXX 4/17/2025 Credit Title or Lien Title Insurance Coverage - Inadequate Coverage $XXX Title insurance coverage < $XXX minimum coverage required. 4/18: Title Policy 20250418: Received   Cleared 4/18/2025   C A C A C A C A C A C A
XXX XXX 304685222 XXX 4/17/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/17: Clear 20250417: Clear   Cleared 4/17/2025   A A A A A A A A A A A A
XXX XXX 304678754 XXX 4/17/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/17: Clear 20250417: Clear   Cleared 4/17/2025   A A A A A A A A A A A A
XXX XXX 304684696 XXX 4/17/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/17: Clear 20250417: Clear   Cleared 4/17/2025   A A A A A A A A A A A A
XXX XXX 304679174 XXX 4/17/2025 Credit Title or Lien Title Insurance Coverage - Inadequate Coverage $XXX title insurance coverage < $XXX minimum coverage required 4/23: Waived via XXX email 20250423: Waived via XXX email FICO XXX, LTV 75%, XXX months reserves Acknowledged 4/23/2025   C B C B C B C B C B C B
XXX XXX 304685313 XXX 4/17/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/17: Clear 20250417: Clear   Cleared 4/17/2025   A A A A A A A A A A A A
XXX XXX 304665261 XXX 4/17/2025 Credit Title/Lien Title Insurance Coverage - Inadequate Coverage $XXX title insurance coverage < $XXX minimum coverage required 4/18 XXX please see attached please clear thank you 20250418: Received   Cleared 4/18/2025   C A C A C A C A C A C A
XXX XXX 304679175 XXX 4/17/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/17: Clear 20250417: Clear   Cleared 4/17/2025   A A A A A A A A A A A A
XXX XXX 304680471 XXX 4/18/2025 Credit Title or Lien Title Insurance Coverage - Inadequate Coverage $XXX Title insurance coverage < $XXX minimum coverage required. 4/23: Waived via XXX email 20250423: Waived via XXX email FICO XXX, LTV 80%, XXX months reserves Acknowledged 4/23/2025   C B C B C B C B C B C B
XXX XXX 304672365 XXX 4/18/2025 Credit Asset Calculation Undocumented Large Deposit/Increase Missing letter of explanation and source document for large deposit of $XXX reflected in HUD.  4/21: Please see attached document that shows the $XXX was an agent credit from selling agent from XXX. 20250421: Received   Cleared 4/21/2025   D A D A D A D A D A D A
XXX XXX 304687191 XXX 4/18/2025 Credit Title or Lien Title Insurance Coverage - Inadequate Coverage $XXX title insurance coverage < $XXX minimum coverage required 4/22: see attached 20250422: Received   Cleared 4/22/2025   C A C A C A C A C A C A
XXX XXX 304685241 XXX 4/18/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/18: Clear 20250418:  Clear   Cleared 4/18/2025   A A A A A A A A A A A A
XXX XXX 304684786 XXX 4/18/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/18: Clear 20250418:  Clear   Cleared 4/18/2025   A A A A A A A A A A A A
XXX XXX 304686628 XXX 4/18/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/18: Clear 20250418:  Clear   Cleared 4/18/2025   A A A A A A A A A A A A
XXX XXX 304663301 XXX 4/18/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/18: Clear 20250418:  Clear   Cleared 4/18/2025   A A A A A A A A A A A A
XXX XXX 304492276 XXX 4/18/2025 Credit Credit Documentation Entity Documentation - Missing or Defective Missing corporate resolution for entity: XXX 4/21: Please see attached document. 20250421: Received   Cleared 4/21/2025   D A D A D A D A D A D A
XXX XXX 304680471 XXX 4/18/2025 Property Debt Service Coverage Ratio Documentation Subject Property Lease - Missing or Defective Missing lease agreement for subject property: XXX 4/29: Please see attached. 20250430: Received   Cleared 4/30/2025   D A D A D A D A D A D A
XXX XXX 304640053 XXX 4/22/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/22: Clear 20250422: Clear   Cleared 4/22/2025   A A A A A A A A A A A A
XXX XXX 304671650 XXX 4/22/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/22: Clear 20250422: Clear   Cleared 4/22/2025   A A A A A A A A A A A A
XXX XXX 304680582 XXX 4/22/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/22: Clear 20250422: Clear   Cleared 4/22/2025   A A A A A A A A A A A A
XXX XXX 304679640 XXX 4/22/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/22: Clear 20250422: Clear   Cleared 4/22/2025   A A A A A A A A A A A A
XXX XXX 304687284 XXX 4/22/2025 Credit Title/Lien Title Insurance Coverage - Inadequate Coverage $XXX title insurance coverage < $XXX minimum coverage required 4/23: Waived via XXX email 20250423: Waived via XXX email FICO XXX, LTV 75%, XXX months reserves Acknowledged 4/23/2025   C B C B C B C B C B C B
XXX XXX 304671370 XXX 4/22/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/22: Clear 20250422: Clear   Cleared 4/22/2025   A A A A A A A A A A A A
XXX XXX 304681126 XXX 4/23/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/23: Clear 20250423: Clear   Cleared 4/23/2025   A A A A A A A A A A A A
XXX XXX 304643111 XXX 4/23/2025 Credit Title/Lien Title Insurance Missing or Defective Commitment Title Schedule A is missing mortgagee clause with lender's name. Please provide updated title policy with ISAOA/ATIMA verbiage after lender's name 4/25: attached 20250428: Received   Cleared 4/28/2025   C A C A C A C A C A C A
XXX XXX 304643111 XXX 4/23/2025 Property Appraisal Review Appraisal Review - Missing Missing appraisal 1004D for subject property: XXX 4/24: The appraisal is not subject to a 1004D, it was subject to a satisfactory inspection which was provided with the loan package. 20250424: Rescinded   Cleared 4/24/2025   D A D A D A D A D A D A
XXX XXX 304669800 XXX 4/23/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/23: Clear 20250423: Clear   Cleared 4/23/2025   A A A A A A A A A A A A
XXX XXX 304685223 XXX 4/22/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/22: Clear 20250422: Clear   Cleared 4/22/2025   A A A A A A A A A A A A
XXX XXX 304688498 XXX 4/22/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/22: Clear 20250422: Clear   Cleared 4/22/2025   A A A A A A A A A A A A
XXX XXX 304671546 XXX 4/22/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/22: Clear 20250422: Clear   Cleared 4/22/2025   A A A A A A A A A A A A
XXX XXX 304682017 XXX 4/22/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/22: Clear 20250422: Clear   Cleared 4/22/2025   A A A A A A A A A A A A
XXX XXX 304687184 XXX 4/22/2025 Credit Insurance Hazard Insurance Missing or Defective Hazard insurance policy is missing lender's name and mortgage clause. Please provide updated hazard policy with ISAOA/ATIMA verbiage 4/29: Please see attached. The lender's name and ISAOA/ATIMA verbiage is present. 20250430: Received   Cleared 4/30/2025   C A C A C A C A C A C A
XXX XXX 304678284 XXX 4/22/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/22: Clear 20250422: Clear   Cleared 4/22/2025   A A A A A A A A A A A A
XXX XXX 304685244 XXX 4/22/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/22: Clear 20250422: Clear   Cleared 4/22/2025   A A A A A A A A A A A A
XXX XXX 304685243 XXX 4/22/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/22: Clear 20250422: Clear   Cleared 4/22/2025   A A A A A A A A A A A A
XXX XXX 304685847 XXX 4/22/2025 Credit Title or Lien Chain of Title Missing or Defective Missing 12 month Chain Of Title for subject property: XXX  4/23: Please see attached document. 20250423: Received   Cleared 4/23/2025   D A D A D A D A D A D A
XXX XXX 304487865 XXX 4/22/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/22: Clear 20250422: Clear   Cleared 4/22/2025   A A A A A A A A A A A A
XXX XXX 304676830 XXX 4/22/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/22: Clear 20250422: Clear   Cleared 4/22/2025   A A A A A A A A A A A A
XXX XXX 304678660 XXX 4/23/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/23: Clear 20250423: Clear   Cleared 4/23/2025   A A A A A A A A A A A A
XXX XXX 304672367 XXX 4/23/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/23: Clear 20250423: Clear   Cleared 4/23/2025   A A A A A A A A A A A A
XXX XXX 304683434 XXX 4/23/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/23: Clear 20250423: Clear   Cleared 4/23/2025   A A A A A A A A A A A A
XXX XXX 304677118 XXX 4/23/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/23: Clear 20250423: Clear   Cleared 4/23/2025   A A A A A A A A A A A A
XXX XXX 304643111 XXX 4/23/2025 Property Debt Service Coverage Ratio Documentation Subject Property Lease - Missing or Defective Missing three months rent receipts to use lease rent 4/24: The lease was not used to calculate the DSCR. The 1007 was used which is the lower of the two and no additional documentation is needed. 20250424: Rescinded   Cleared 4/24/2025   D A D A D A D A D A D A
XXX XXX 304688489 XXX 4/24/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/24: Clear 20250424: Clear   Cleared 4/24/2025   A A A A A A A A A A A A
XXX XXX 304685245 XXX 4/24/2025 Credit Title or Lien Title Insurance Coverage - Inadequate Coverage $XXX title insurance coverage < $XXX minimum coverage required 4/24: Waived via XXX email 20250424: Waived via XXX email FICO XXX, XXX months reserves, DSCR 1.11 Acknowledged 4/24/2025   C B C B C B C B C B C B
XXX XXX 304681214 XXX 4/24/2025 Credit No Findings No Findings Audit DSCR of 2.60 does not align with client DSCR of 2.14. Monthly breakdown: $XXX Income/ $XXX P/I + $XXX insurance + $XXX taxes. Please opine. 4/25: Updated approval letter attached to match audited DSCR. Incorrect rental income was entered by underwriter 20250428: Received    Cleared 4/28/2025   C A C A C A C A C A C A
XXX XXX 304684791 XXX 4/24/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/24: Clear 20250424: Clear   Cleared 4/24/2025   A A A A A A A A A A A A
XXX XXX 304681201 XXX 4/24/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/24: Clear 20250424: Clear   Cleared 4/24/2025   A A A A A A A A A A A A
XXX XXX 304688315 XXX 4/24/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/24: Clear 20250424: Clear   Cleared 4/24/2025   A A A A A A A A A A A A
XXX XXX 304681210 XXX 4/24/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/24: Clear 20250424: Clear   Cleared 4/24/2025   A A A A A A A A A A A A
XXX XXX 304685687 XXX 4/24/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/24: Clear 20250424: Clear   Cleared 4/24/2025   A A A A A A A A A A A A
XXX XXX 304678031 XXX 4/24/2025 Credit Ineligible Property Ineligible Property – Parcel Issues Missing tax certificate for the subject property. Annual tax amount was taken from appraisal in file. 4/25: XXX estimates taxes at 1.5% of the appraised value on new construction transactions for the XXX product. 20250428: Rescinded   Cleared 4/28/2025   D A D A D A D A D A D A
XXX XXX 304672362 XXX 4/24/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/24: Clear 20250424: Clear   Cleared 4/24/2025   A A A A A A A A A A A A
XXX XXX 304663406 XXX 4/25/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/25: Clear 20250425: Clear   Cleared 4/25/2025   A A A A A A A A A A A A
XXX XXX 304682089 XXX 4/25/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/25: Clear 20250425: Clear   Cleared 4/25/2025   A A A A A A A A A A A A
XXX XXX 304678661 XXX 4/25/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/25: Clear 20250425: Clear   Cleared 4/25/2025   A A A A A A A A A A A A
XXX XXX 304677270 XXX 4/25/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/25: Clear 20250425: Clear   Cleared 4/25/2025   A A A A A A A A A A A A
XXX XXX 304685849 XXX 4/25/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/25: Clear 20250425: Clear   Cleared 4/25/2025   A A A A A A A A A A A A
XXX XXX 304669805 XXX 4/25/2025 Credit Title or Lien Title Insurance Coverage - Inadequate Coverage $XXX title insurance coverage < $XXX $minimum coverage required 4/25: Waived via XXX email 20250425: Waived via XXX email DSCR 1.40, LTV 54.94%, FICO XXX Acknowledged 4/25/2025   C B C B C B C B C B C B
XXX XXX 304671361 XXX 4/25/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/25: Clear 20250425: Clear   Cleared 4/25/2025   A A A A A A A A A A A A
XXX XXX 304492768 XXX 4/25/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/25: Clear 20250425: Clear   Cleared 4/25/2025   A A A A A A A A A A A A
XXX XXX 304671549 XXX 4/25/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/25: Clear 20250425: Clear   Cleared 4/25/2025   A A A A A A A A A A A A
XXX XXX 304677294 XXX 4/25/2025 Credit Assets Eligibility Insufficient Assets for Reserves Audited Reserves of  XXX month(s) are less than Guideline Required reserves of 3 month(s) 4/28: Please see attached document that shows proceeds are in a 1031 Exchange. The borrower did use the correct reserve requirement to qualify. 20250428: Rescinded   Cleared 4/28/2025   C A C A C A C A C A C A
XXX XXX 304685318 XXX 4/28/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/28: Clear 20250428: Clear   Cleared 4/28/2025   A A A A A A A A A A A A
XXX XXX 304684694 XXX 4/28/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/28: Clear 20250428: Clear   Cleared 4/28/2025   A A A A A A A A A A A A
XXX XXX 304676729 XXX 4/28/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/28: Clear 20250428: Clear   Cleared 4/28/2025   A A A A A A A A A A A A
XXX XXX 304682220 XXX 4/28/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/28: Clear 20250428: Clear   Cleared 4/28/2025   A A A A A A A A A A A A
XXX XXX 304681726 XXX 4/28/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/28: Clear 20250428: Clear   Cleared 4/28/2025   A A A A A A A A A A A A
XXX XXX 304688495 XXX 4/28/2025 Credit Title or Lien Title Insurance Coverage - Inadequate Coverage $XXX title insurance coverage < $XXX minimum coverage required 4/28: Waived via XXX email 20250428: Waived via XXX email DSCR 1.15, LTV 56.00%, FICO XXX Acknowledged 4/28/2025   C B C B C B C B C B C B
XXX XXX 304678738 XXX 4/28/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/28: Clear 20250428: Clear   Cleared 4/28/2025   A A A A A A A A A A A A
XXX XXX 304691483 XXX 4/28/2025 Credit Title or Lien Title Insurance Coverage - Inadequate Coverage $XXX title insurance coverage < $XXX minimum coverage required 4/28: Waived via XXX email 20250428: Waived via XXX email DSCR 1.19, FICO XXX, XXX months reserves Acknowledged 4/28/2025   C B C B C B C B C B C B
XXX XXX 304682093 XXX 4/28/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/28: Clear 20250428: Clear   Cleared 4/28/2025   A A A A A A A A A A A A
XXX XXX 304691548 XXX 4/28/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/28: Clear 20250428: Clear   Cleared 4/28/2025   A A A A A A A A A A A A
XXX XXX 304676145 XXX 4/28/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/28: Clear 20250428: Clear   Cleared 4/28/2025   A A A A A A A A A A A A
XXX XXX 304688309 XXX 4/28/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/28: Clear 20250428: Clear   Cleared 4/28/2025   A A A A A A A A A A A A
XXX XXX 304682218 XXX 4/29/2025 Credit Title or Lien Title Insurance Coverage - Inadequate Coverage $XXX title insurance coverage < $XXX minimum coverage required. 4/29: Waived via XXX email 20250429: Waived via XXX email DSCR 1.22, FICO XXX, XXX months reserves Acknowledged 4/29/2025   C B C B C B C B C B C B
XXX XXX 304685874 XXX 4/29/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/29: Clear 20250429: Clear   Cleared 4/29/2025   A A A A A A A A A A A A
XXX XXX 304688669 XXX 4/29/2025 Credit Title or Lien Title Insurance Coverage - Inadequate Coverage $XXX title insurance coverage < $XXX minimum coverage required. 4/29: Waived via XXX email 20250429: Waived via XXX email DSCR 1.41, LTV 69.35%, FICO XXX Acknowledged 4/29/2025   C B C B C B C B C B C B
XXX XXX 304685311 XXX 4/29/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/29: Clear 20250429: Clear   Cleared 4/29/2025   A A A A A A A A A A A A
XXX XXX 304682217 XXX 4/29/2025 Credit Title or Lien Title Insurance Coverage - Inadequate Coverage $XXX title insurance coverage < $XXX minimum coverage required. 4/29: Waived via XXX email 20250429: Waived via XXX email DSCR 1.32, FICO XXX, XXX months reserves Acknowledged 4/29/2025   C B C B C B C B C B C B
XXX XXX 304685873 XXX 4/29/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/29: Clear 20250429: Clear   Cleared 4/29/2025   A A A A A A A A A A A A
XXX XXX 304667720 XXX 4/29/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/29: Clear 20250429: Clear   Cleared 4/29/2025   A A A A A A A A A A A A
XXX XXX 304678656 XXX 4/29/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/29: Clear 20250429: Clear   Cleared 4/29/2025   A A A A A A A A A A A A
XXX XXX 304685876 XXX 4/29/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/29: Clear 20250429: Clear   Cleared 4/29/2025   A A A A A A A A A A A A
XXX XXX 304685878 XXX 4/29/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/29: Clear 20250429: Clear   Cleared 4/29/2025   A A A A A A A A A A A A
XXX XXX 304691485 XXX 4/30/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/30: Clear 20250430: Clear   Cleared 4/30/2025   A A A A A A A A A A A A
XXX XXX 304677295 XXX 4/30/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/30: Clear 20250430: Clear   Cleared 4/30/2025   A A A A A A A A A A A A
XXX XXX 304693500 XXX 4/30/2025 Credit Title or Lien Title Insurance Coverage - Inadequate Coverage $XXX title insurance coverage < $XXX minimum coverage required. 4/30: Waived via XXX email 20250430: Waived via XXX email FICO XXX, LTV 67.02%, XXX months reserves Acknowledged 4/30/2025   C B C B C B C B C B C B
XXX XXX 304677296 XXX 4/30/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/30: Clear 20250430: Clear   Cleared 4/30/2025   A A A A A A A A A A A A
XXX XXX 304684400 XXX 4/30/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/30: Clear 20250430: Clear   Cleared 4/30/2025   A A A A A A A A A A A A
XXX XXX 304692476 XXX 4/30/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/30: Clear 20250430: Clear   Cleared 4/30/2025   A A A A A A A A A A A A
XXX XXX 304643175 XXX 4/30/2025 Credit Title/Lien Title Insurance Coverage - Inadequate Coverage $XXX title insurance coverage < $XXX minimum coverage required 4/30: Waived via XXX email 20250430: Waived via XXX email FICO XXX, LTV 77.85%, XXX months reserves Acknowledged 4/30/2025   C B C B C B C B C B C B
XXX XXX 304692477 XXX 4/30/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 4/30: Clear 20250430: Clear   Cleared 4/30/2025   A A A A A A A A A A A A
XXX XXX 304095987 XXX 2/5/2024 No Findings No Findings No Findings The loan meets all applicable guidelines 2/5: Clear 20240205: Clear   Cleared 2/5/2024   A A A A A A A A A A A A
XXX XXX 304351713 XXX 6/28/2024 Credit Title/Lien Title Insurance Coverage - Inadequate Coverage $XXX title insurance coverage < $XXX minimum required.  6/28: Waived per XXX 20240628: Waived per XXX LTV 73.4, FICO XXX, DSCR 1.00 Acknowledged 6/28/2024   B B B B B B B B B B B B
XXX XXX 304381221 XXX 8/22/2024 Credit Title/Lien Title Insurance Coverage - Inadequate Coverage $XXX title insurance < $XXX minimum coverage required 8/22: Waived per XXX  20240822: Waived per XXX   LTV 64.79%, DSCR 1.02, XXX months reserves  Acknowledged 8/22/2024   B B B B B B B B B B B B
XXX XXX 304381221 XXX 8/22/2024 Credit Title/Lien Title Insurance Missing or Defective Title Commitment Schedule A Item 2(b) is missing mortgagee clause after lender's name. Please provide updated title policy with ISAOA/ATIMA verbiage after XXX.  8/22: Waived per XXX 20240822: Waived per XXX   LTV 64.79%, DSCR 1.02, XXX months reserves  Acknowledged 8/22/2024   B B B B B B B B B B B B
XXX XXX 304420166 XXX 11/7/2024 Credit Title/Lien Title Insurance Coverage - Inadequate Coverage $XXX title insurance coverage < $XXX minimum coverage required. Please provide additional coverage.  20241121: XXX: Please see attached title policy 20241121: Received   Cleared 11/21/2024   C A C A C A C A C A C A
XXX XXX 304437913 XXX 11/27/2024 Credit Title/Lien Title Insurance Missing or Defective Provided title insurance is a preliminary policy with no coverage amount or mortgagee clause. Please provide a title supplement or updated title insurance to meet guideline requirements.  Please see attached and clear. Thank You Received   Cleared 12/10/2024   C A C A C A C A C A C A
XXX XXX 304441465 XXX 12/3/2024 No Findings No Findings No Findings The loan meets all applicable guidelines 12/3: Clear 20241203: Clear   Cleared 12/3/2024   A A A A A A A A A A A A
XXX XXX 304459068 XXX 12/3/2024 Credit Insurance Hazard Insurance Missing or Defective Hazard insurance policy is missing mortgagee clause after lender's name. Please provide updated hazard policy with ISAOA/ATIMA verbiage 12/11: This loan was recently purchased by XXX from XXX. Attached is the hazard policy with the mortgagee clause which will be updated by servicer at time of service transfer 20241211: Received   Cleared 12/11/2024   C A C A C A C A C A C A
XXX XXX 304459353 XXX 12/5/2024 No Findings No Findings No Findings The loan meets all applicable guidelines 12/5: Clear 20241205: Clear   Cleared 12/5/2024   A A A A A A A A A A A A
XXX XXX 304459352 XXX 12/5/2024 No Findings No Findings No Findings The loan meets all applicable guidelines 12/5: Clear 20241205: Clear   Cleared 12/5/2024   A A A A A A A A A A A A
XXX XXX 304443064 XXX 12/11/2024 No Findings No Findings No Findings The loan meets all applicable guidelines 12/11: Clear 20241211: Clear   Cleared 12/11/2024   A A A A A A A A A A A A
XXX XXX 304459161 XXX 12/12/2024 Property Debt Service Coverage Ratio Eligibility Subject Property Lease - Missing or Defective Missing updated lease for subject property 12/17 XXX: An updated lease agreement was not required at the time of closing because the lease stated that it would renew. See page 2 #5. 20241217: Rescind, lease auto renews   Cleared 12/17/2024   D A D A D A D A D A D A
XXX XXX 304459422 XXX 12/13/2024 Credit Title/Lien Title Insurance Coverage - Inadequate Coverage $XXX  Title Insurance Coverage < $XXX Minimum Required. 12/16: title commitment 20241216: Received   Cleared 12/16/2024   C A C A C A C A C A C A
XXX XXX 304438513 XXX 12/16/2024 No Findings No Findings No Findings The loan meets all applicable guidelines 12/16: Clear 20241216: Clear   Cleared 12/16/2024   A A A A A A A A A A A A
XXX XXX 304440035 XXX 12/18/2024 Credit Title or Lien Title Insurance Coverage - Inadequate Coverage $XXX Title Insurance Coverage < $XXX Minimum Required. 12/19: Title Commitment 20241219: Received   Cleared 12/19/2024   C A C A C A C A C A C A
XXX XXX 304440035 XXX 12/18/2024 Property Appraisal Documentation Appraisal Review - Missing Missing appraisal review for subject property: XXX 12/19 XXX: Please note that an appraisal and appraisal field review were both provided in the initial upload. Please see attached. 20241220: Received   Cleared 12/20/2024   D A D A D A D A D A D A
XXX XXX 304471905 XXX 12/26/2024 No Findings No Findings No Findings The loan meets all applicable guidelines 12/26: Clear 20241226: Clear   Cleared 12/26/2024   A A A A A A A A A A A A
XXX XXX 304457990 XXX 12/27/2024 Credit Closing Documentation Deed Missing or Defective Missing conveyance deed from XXX to XXX 1/7 XXX: Please see attached deed 20250107: Received deed   Cleared 1/7/2025   D A D A D A D A D A D A
XXX XXX 304457990 XXX 12/27/2024 Credit Title/Lien Title Insurance Coverage - Inadequate Coverage $XXX title insurance coverage < $XXX minimum coverage required 1/8 XXX please see attached please clear thank you 20250109: Received updated title   Cleared 1/9/2025   D A D A D A D A D A D A
XXX XXX 304471982 XXX 12/27/2024 No Findings No Findings No Findings The loan meets all applicable guidelines 12/27: Clear 20241227: Clear   Cleared 12/27/2024   A A A A A A A A A A A A
XXX XXX 304473740 XXX 1/8/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 1/8: Clear 20250108: Clear   Cleared 1/8/2025   A A A A A A A A A A A A
XXX XXX 304432532 XXX 1/9/2025 Credit Title/Lien Title Insurance Missing or Defective Title Loan Policy Schedule A 2(a)is missing mortgagee clause ISAOA/ATIMA after lender's name 1/23 XXX: Please see attached document 20250123: Received   Cleared 1/23/2025   C A C A C A C A C A C A
XXX XXX 304432532 XXX 1/9/2025 Credit Closing Documentation Closing Protection Letter Missing or Defective Closing protection letter is missing mortgagee clause after lender's name. Please provide updated CPL with ISAOA/ATIMA verbiage 1/23 XXX: Please see attached document 20250123: Received   Cleared 1/23/2025   C A C A C A C A C A C A
XXX XXX 304432532 XXX 1/9/2025 Property Appraisal Review Appraisal Review - Missing Missing appraisal review for subject property: XXX 1/10 XXX: An acceptable CU/LCA score (completed by XXX) A XXX-obtained AVM A Collateral Desktop Analysis (CDA) from XXX An exterior-only appraisal A field review A second full appraisal please see attached filed review 20250110: Received field review   Cleared 1/10/2025   D A D A D A D A D A D A
XXX XXX 304477482 XXX 1/13/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 1/13: Clear 20250113: Clear   Cleared 1/13/2025   A A A A A A A A A A A A
XXX XXX 304481708 XXX 1/20/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 1/20: Clear 20250120: Clear   Cleared 1/20/2025   A A A A A A A A A A A A
XXX XXX 304472315 XXX 1/24/2025 Property No Findings No Findings The loan meets all applicable guidelines 1/24: Clear 20250124: Clear   Cleared 1/24/2025   A A A A A A A A A A A A
XXX XXX 304418491 XXX 10/21/2024 Credit Closing Documentation Deed Missing or Defective Missing executed conveyance deed from XXX and XXX to XXX XXX overlay - please clear any outstanding conveyance deed conditions and do not cite going forward Received   Cleared 3/7/2025   D A D A D A D A D A D A
XXX XXX 304401058 XXX 10/31/2024 Credit Closing Documentation Deed Missing or Defective Missing conveyance deed from XXX to XXX XXX 2.26.2025 - Please see the attached deed
11/4 XXX: Please see attached deed		 20250310: Received
20241104: Deed provided is for wrong transaction		   Cleared 3/10/2025   D A D A D A D A D A D A
XXX XXX 304458248 XXX 12/27/2024 No Findings No Findings No Findings The loan meets all applicable guidelines 12/27: Clear 20241227: Clear   Cleared 12/27/2024   A A A A A A A A A A A A
XXX XXX 304443582 XXX 1/13/2025 Credit Asset Documentation Asset Documentation Missing or Defective Missing letter of explanation for large deposit. Bank account ending in #XXX has an ending balance of $XXX on XX/XX/XXXX then a balance of $XXX on XX/XX/XXXX.  2/18 XXX: Please see the updated bank statement from XX/XX/XXXX-XX/XX/XXXX. Please see borrowers email explanation on the large deposit and the check and deposit slip. 20250218: Received LOE    Cleared 2/18/2025   D A D A D A D A D A D A
XXX XXX 304473634 XXX 1/22/2025 Credit Title/Lien Title Insurance Missing or Defective Title supplemental report in file is missing mortgagee clause after lender's name and coverage amount. Please provide updated title insurance policy with ISAOA/ATIMA verbiage. 3/3: Waived via email 20250303: Waived via email DSCR 1.02, FICO XXX, LTV 60% Acknowledged 3/3/2025   C B C B C B C B C B C B
XXX XXX 304481333 XXX 1/27/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 1/27: Clear 20250127: Clear   Cleared 1/27/2025   A A A A A A A A A A A A
XXX XXX 304472318 XXX 1/27/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 1/27: Clear 20250127: Clear   Cleared 1/27/2025   A A A A A A A A A A A A
XXX XXX 304458669 XXX 1/28/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 1/28: Clear 20250128: Clear   Cleared 1/28/2025   A A A A A A A A A A A A
XXX XXX 304472322 XXX 1/28/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 1/28: Clear 20250128: Clear   Cleared 1/28/2025   A A A A A A A A A A A A
XXX XXX 304493893 XXX 1/31/2025 Credit Title/Lien Title Insurance Coverage - Inadequate Coverage $XXX  title insurance coverage < $XXX minimum coverage required 2/28: please see attached 20250228: Received title commitment   Cleared 2/28/2025   C A C A C A C A C A C A
XXX XXX 304493912 XXX 2/3/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 2/3: Clear 20250203: Clear   Cleared 2/3/2025   A A A A A A A A A A A A
XXX XXX 304470311 XXX 2/3/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 2/3: Clear 20250203: Clear   Cleared 2/3/2025   A A A A A A A A A A A A
XXX XXX 304470312 XXX 2/3/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 2/3: Clear 20250203: Clear   Cleared 2/3/2025   A A A A A A A A A A A A
XXX XXX 304492144 XXX 2/7/2025 Credit Title/Lien Title Insurance Coverage - Inadequate Coverage $XXX title insurance coverage < $XXX minimum coverage required 2/11: please see attached 20250211: Received title insurance   Cleared 2/11/2025   C A C A C A C A C A C A
XXX XXX 304383006 XXX 2/11/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 2/11: Clear 20250211: Clear   Cleared 2/11/2025   A A A A A A A A A A A A
XXX XXX 304443068 XXX 2/11/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 2/11: Clear 20250211: Clear   Cleared 2/11/2025   A A A A A A A A A A A A
XXX XXX 304511437 XXX 2/12/2025 Credit Title/Lien Title Insurance Missing or Defective Commitment Title Schedule A item 2(b) is missing mortgagee clause after lender's name. Please provide updated title policy with ISAOA/ATIMA verbiage after XXX 2/28: The title commitment is the ALTA Owners Policy 07-01-2021. This policy specifically has language there is an inherent guarantee that the policy extends to the assignee of the insured mortgage. “Future owner of the indebtedness” means the same as ISAOA, so we can proceed given the fact it is ALTA Loan Policy of Title Insurance 2021 v. 01.00 (7-1-2021).
3/3: Waived via email		 20250228: XXX requires ISAOA/ATIMA in mortgagee clause, please provide updated title
3/3:Waived via email		 DSCR 1.04, LTV 70%, FICO XXX Acknowledged 3/3/2025   C B C B C B C B C B C B
XXX XXX 304632071 XXX 2/12/2025 Credit Credit Documentation Entity Documentation - Missing or Defective Missing Operating Agreement for XXX 2/25: See attached 20250225: Received   Cleared 2/25/2025   D A D A D A D A D A D A
XXX XXX 304632071 XXX 2/12/2025 Credit Title/Lien Title Insurance Coverage - Inadequate Coverage $XXX title insurance coverage < $XXX minimum coverage required 2/25: See attached 20250225: Received   Cleared 2/25/2025   C A C A C A C A C A C A
XXX XXX 304632071 XXX 2/12/2025 Credit Application/Processing Sales Contract Missing or Defective Missing Purchase Contract for Subject Property: XXX 2/25: See attached 20250225: Received   Cleared 2/25/2025   D A D A D A D A D A D A
XXX XXX 304632071 XXX 2/12/2025 Credit Title/Lien Closing Protection Letter Missing or Defective Closing protection letter is missing mortgagee clause after lender's name. Please provide updated CPL with ISAOA/ATIMA verbiage. 2/26: Attached 20250226: Received closing protection letter   Cleared 2/26/2025   C A C A C A C A C A C A
XXX XXX 304632071 XXX 2/12/2025 Credit Title/Lien Title Insurance Missing or Defective Commitment Title Schedule A item 2(b) is missing mortgagee clause after lender's name. Please provide updated title policy with ISAOA/ATIMA verbiage after lender name. 2/26: Attached 20250226: Received title insurance   Cleared 2/26/2025   C A C A C A C A C A C A
XXX XXX 304467136 XXX 2/12/2025 Property Insurance Hazard Insurance Missing or Defective Hazard insurance policy is missing mortgage clause after Lender's name. Please provide updated hazard policy with ISAOA/ATIMA verbiage  02/21 XXX: Please see attached. 20250221: Received   Cleared 2/21/2025   C A C A C A C A C A C A
XXX XXX 304467136 XXX 2/12/2025 Credit Title/Lien Title Insurance Missing or Defective Commitment Title Schedule A item 2(b) is missing mortgagee clause after lender's name. Please provide updated title policy with ISAOA/ATIMA verbiage after lender name. 02/17: The title commitment is the ALTA Owners Policy 07-01-2021. This policy specifically has language there is an inherent guarantee that the policy extends to the assignee of the insured mortgage. “Future owner of the indebtedness” means the same as ISAOA, so we can proceed given the fact it is ALTA Loan Policy of Title Insurance 2021 v. 01.00 (7-1-2021).
3/3: Waived via email		 20250218: XXX requires ISAOA/ATIMA in mortgagee clause, please provide updated title
20250303: Waived via email		 DSCR 1.54, LTV 80%, FICO XXX Acknowledged 3/3/2025   C B C B C B C B C B C B
XXX XXX 304492357 XXX 2/13/2025 Credit Closing Documentation Deed Missing or Defective Missing conveyance deed from XXX and XXX to XXX 2/18: Please see attached copy of deed. 20250218: Received deed   Cleared 2/18/2025   D A D A D A D A D A D A
XXX XXX 304631756 XXX 2/13/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 2/13: Clear 20250213: Clear   Cleared 2/13/2025   A A A A A A A A A A A A
XXX XXX 304510964 XXX 2/13/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 2/13: Clear 20250213: Clear   Cleared 2/13/2025   A A A A A A A A A A A A
XXX XXX 304494982 XXX 2/19/2025 Credit Closing Documentation Conveyance Deed Missing or Defective Missing conveyance deed from XXX to XXX  2/27: Please see attached copy of deed. 20250227: Received warranty deed   Cleared 2/27/2025   D A D A D A D A D A D A
XXX XXX 304493904 XXX 2/19/2025 Credit Title or Lien Title Insurance Missing or Defective Title commitment Schedule A Item 2(b) is missing mortgagee clause after lender's name. Please provide updated title policy with ISAOA/ATIMA  3/3: Waived via email 20250303: Waived via email DSCR 1.20, FICO XXX, LTV 69.89% Acknowledged 3/3/2025   C B C B C B C B C B C B
XXX XXX 304636586 XXX 2/19/2025 Credit Title/Lien Title Insurance Coverage - Inadequate Coverage $XXX title insurance coverage < $XXX minimum coverage required 3/3: Title Policy 20250303: Received title insurance policy   Cleared 3/3/2025   C A C A C A C A C A C A
XXX XXX 304641734 XXX 2/21/2025 Property Ineligible Property Property Listed for Sale on Refinance Transaction Subject property is listed for sale. Property listing must be fully removed/withdrawn prior to closing 2/28: Please see attached documents 20250228: Subject property has been removed from market   Cleared 2/28/2025   C A C A C A C A C A C A
XXX XXX 304637610 XXX 2/21/2025 Credit Title/Lien Title Insurance Coverage - Inadequate Coverage $XXX title insurance coverage < $XXX minimum coverage required 2/26: PLease see attached doc XXX 2.26 20250226: Received title insurance   Cleared 2/26/2025   C A C A C A C A C A C A
XXX XXX 304640346 XXX 2/24/2025 Credit Borrower and Mortgage Eligibility Debt Service Coverage Ratio Eligibility 0.97 DSCR < 1.00 minimum DSCR required. Monthly breakdown is as follows: Income $XXX+ P&I  $XXX+ Property Taxes  $XXX + Hazard Insurance  $XXX 2/25: Loan was qualified using short term market rent of $XXX based on second full appraisal attached. $XXX divided by total housing costs of $XXX equals a DSCR >1.0x 20250225: STR income received, DSCR >1.00   Cleared 2/25/2025   C A C A C A C A C A C A
XXX XXX 304636590 XXX 2/24/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 2/24: Clear 20250224: Clear   Cleared 2/24/2025   A A A A A A A A A A A A
XXX XXX 304491645 XXX 2/25/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 2/25: Clear 20250225: Clear   Cleared 2/25/2025   A A A A A A A A A A A A
XXX XXX 304494423 XXX 2/25/2025 Credit Title/Lien Title Insurance Missing or Defective Title Commitment Schedule A is missing mortgagee clause after lender's name. Please provide updated title policy with ISAOA/ATIMA verbiage after XXX 3/3: Title commitment  20250303: Received   Cleared 3/3/2025   C A C A C A C A C A C A
XXX XXX 304494423 XXX 2/25/2025 Credit Title/Lien Closing Protection Letter Missing or Defective Closing protection letter is missing mortgagee clause after lender's name. Please provide updated CPL with ISAOA/ATIMA verbiage after XXX 2/27: Closing Protection Letter 20250227: Received CPL   Cleared 2/27/2025   C A C A C A C A C A C A
XXX XXX 304634478 XXX 2/25/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 2/25: Clear 20250225: Clear   Cleared 2/25/2025   A A A A A A A A A A A A
XXX XXX 304635611 XXX 2/26/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 2/26: Clear 20250226: Clear   Cleared 2/26/2025   A A A A A A A A A A A A
XXX XXX 304640088 XXX 2/26/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 2/26: Clear 20250226: Clear   Cleared 2/26/2025   A A A A A A A A A A A A
XXX XXX 304636605 XXX 2/26/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 2/26: Clear 20250226: Clear   Cleared 2/26/2025   A A A A A A A A A A A A
XXX XXX 304637920 XXX 2/26/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 2/26: Clear 20250226: Clear   Cleared 2/26/2025   A A A A A A A A A A A A
XXX XXX 304640032 XXX 2/26/2025 Credit Credit Documentation Credit Report Missing or Defective Missing credit report for guarantor 2: XXX 3/3: Please see page 7 of the Loan Approval attached. XXX is a non Qualifying Guarantor. 20250303: Rescinded   Cleared 3/3/2025   D A D A D A D A D A D A
XXX XXX 304640032 XXX 2/26/2025 Credit Title or Lien Title Insurance Coverage - Inadequate Coverage $XXX title insurance coverage < $XXX minimum coverage required 3/3: Attached 20250303: Received title insurance policy   Cleared 3/3/2025   C A C A C A C A C A C A
XXX XXX 304642999 XXX 2/26/2025 Credit Application/Processing Entity Documentation - Missing or Defective Missing operating agreement for XXX  3/3: Attached 20250303: Received operating agreement   Cleared 3/3/2025   D A D A D A D A D A D A
XXX XXX 304642999 XXX 2/26/2025 Credit Title/Lien Closing Protection Letter Missing or Defective Missing Closing Protection Letter  3/3: Attached 20250303: Received CPL   Cleared 3/3/2025   D A D A D A D A D A D A
XXX XXX 304642999 XXX 2/26/2025 Property Debt Service Coverage Ratio Documentation Subject Property Lease - Missing or Defective Missing lease agreement for subject property : XXX 3/3: Attached 20250303: Received lease agreement   Cleared 3/3/2025   D A D A D A D A D A D A
XXX XXX 304510881 XXX 2/26/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 2/26: Clear 20250226: Clear   Cleared 2/26/2025   A A A A A A A A A A A A
XXX XXX 304510362 XXX 2/26/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 2/26: Clear 20250226: Clear   Cleared 2/26/2025   A A A A A A A A A A A A
XXX XXX 304639016 XXX 2/26/2025 Credit Hazard Insurance Hazard Insurance Missing or Defective Hazard insurance is missing premium amount 3/4: Please see attached Invoice that matches the Policy Number and Company name on original Insurance dec page 20250306: Received hazard insurance premium   Cleared 3/6/2025   C A C A C A C A C A C A
XXX XXX 304492794 XXX 2/27/2025 Property Insurance Hazard Insurance Missing or Defective Hazard insurance policy is missing mortgage clause after Lender's name. Please provide updated hazard policy with ISAOA/ATIMA verbiage 3/10 XXX: Please see attached HOI policy 20250310: Received   Cleared 3/10/2025   C A C A C A C A C A C A
XXX XXX 304636604 XXX 2/27/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 2/27: Clear 20250227: Clear   Cleared 2/27/2025   A A A A A A A A A A A A
XXX XXX 304494975 XXX 2/27/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 2/27: Clear 20250227: Clear   Cleared 2/27/2025   A A A A A A A A A A A A
XXX XXX 304635849 XXX 2/27/2025 Credit Title/Lien Closing Protection Letter Missing or Defective Closing protection letter is missing mortgagee clause after lender's name. Please provide updated CPL with ISAOA/ATIMA verbiage  3/5: Please see attached document 20250306: Received CPL   Cleared 3/6/2025   C A C A C A C A C A C A
XXX XXX 304635849 XXX 2/27/2025 Credit Title/Lien  Title Insurance Missing or Defective Title Commitment Schedule A missing mortgagee clause ISAOA/ATIMA after lender's name 3/5: Please see attached document 20250306: Received title insurance   Cleared 3/6/2025   C A C A C A C A C A C A
XXX XXX 304636330 XXX 2/27/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 2/27: Clear 20250227: Clear   Cleared 2/27/2025   A A A A A A A A A A A A
XXX XXX 304634494 XXX 2/27/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 2/27: Clear 20250227: Clear   Cleared 2/27/2025   A A A A A A A A A A A A
XXX XXX 304639885 XXX 2/27/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 2/27: Clear 20250227: Clear   Cleared 2/27/2025   A A A A A A A A A A A A
XXX XXX 304510367 XXX 2/27/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 2/27: Clear 20250227: Clear   Cleared 2/27/2025   A A A A A A A A A A A A
XXX XXX 304632152 XXX 2/27/2025 Credit Insurance Hazard Insurance Missing or Defective Hazard insurance policy is missing mortgage clause after lender's name. Please provide updated hazard policy with ISAOA/ATIMA verbiage 3/5: Please see attached document 20250306: Received updated hazard insurance    Cleared 3/6/2025   C A C A C A C A C A C A
XXX XXX 304639712 XXX 2/28/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 2/28: Clear 20250228: Clear   Cleared 2/28/2025   A A A A A A A A A A A A
XXX XXX 304634474 XXX 2/28/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 2/28: Clear 20250228: Clear   Cleared 2/28/2025   A A A A A A A A A A A A
XXX XXX 304639808 XXX 2/28/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 2/28: Clear 20250228: Clear   Cleared 2/28/2025   A A A A A A A A A A A A
XXX XXX 304637807 XXX 2/28/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 2/28: Clear 20250228: Clear   Cleared 2/28/2025   A A A A A A A A A A A A
XXX XXX 304511725 XXX 2/28/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 2/28: Clear 20250228: Clear   Cleared 2/28/2025   A A A A A A A A A A A A
XXX XXX 304481757 XXX 2/28/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 2/28: Clear 20250228: Clear   Cleared 2/28/2025   A A A A A A A A A A A A
XXX XXX 304637803 XXX 2/28/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 2/28: Clear 20250228: Clear   Cleared 2/28/2025   A A A A A A A A A A A A
XXX XXX 304494961 XXX 2/28/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 2/28: Clear 20250228: Clear   Cleared 2/28/2025   A A A A A A A A A A A A
XXX XXX 304637126 XXX 3/3/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/3: Clear 20250303: Clear   Cleared 3/3/2025   A A A A A A A A A A A A
XXX XXX 304642352 XXX 3/3/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/3: Clear 20250303: Clear   Cleared 3/3/2025   A A A A A A A A A A A A
XXX XXX 304635831 XXX 3/3/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/3: Clear 20250303: Clear   Cleared 3/3/2025   A A A A A A A A A A A A
XXX XXX 304635015 XXX 3/3/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/3: Clear 20250303: Clear   Cleared 3/3/2025   A A A A A A A A A A A A
XXX XXX 304492493 XXX 3/3/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/3: Clear 20250303: Clear   Cleared 3/3/2025   A A A A A A A A A A A A
XXX XXX 304632873 XXX 3/4/2025 Credit Title/Lien Closing Protection Letter Missing or Defective Closing protection letter is missing mortgagee clause after lender's name. Please provide updated CPL with ISAOA/ATIMA verbiage 3/5: CPL 20250306: Received CPL   Cleared 3/6/2025   C A C A C A C A C A C A
XXX XXX 304470861 XXX 3/4/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/4: Clear 20250304: Clear   Cleared 3/4/2025   A A A A A A A A A A A A
XXX XXX 304492274 XXX 3/4/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/4: Clear 20250304: Clear   Cleared 3/4/2025   A A A A A A A A A A A A
XXX XXX 304636607 XXX 3/4/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/4: Clear 20250304: Clear   Cleared 3/4/2025   A A A A A A A A A A A A
XXX XXX 304493903 XXX 3/4/2025 Property Debt Service Coverage Ratio Documentation Subject Property Lease - Missing or Defective Missing lease agreement for subject property located at: XXX 3/5: The property is a short-term rental, no lease is available 20250306: Received STR rental income    Cleared 3/6/2025   D A D A D A D A D A D A
XXX XXX 304637822 XXX 3/4/2025 Credit Title or Lien Title Insurance Coverage - Inadequate Coverage $XXX title insurance coverage < $XXX minimum coverage required 3/5: please see attached please clear thank you 3/6: Received title insurance   Cleared 3/6/2025   C A C A C A C A C A C A
XXX XXX 304640063 XXX 3/4/2025 Credit Title or Lien Title Insurance Coverage - Inadequate Coverage $XXX title insurance coverage < $XXX minimum coverage required 3/6: please see attached please clear thank you 20250306: Received title insurance   Cleared 3/6/2025   C A C A C A C A C A C A
XXX XXX 304493903 XXX 3/4/2025 Credit Debit Service Coverage Ratio Eligibility DSCR Minimum Not Met 0.91 DSCR < 1.00 minimum DSCR required. Monthly breakdown is as follows: $XXX P/I + $XXX insurance + $XXX taxes =$XXX Monthly rent 3/5: The property is a short term vacation rental and 12 months history was provided to support monthly rental income in the amount of $XXX 20250306: Received STR rental income    Cleared 3/6/2025   C A C A C A C A C A C A
XXX XXX 304641759 XXX 3/4/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/4: Clear 20250304: Clear   Cleared 3/4/2025   A A A A A A A A A A A A
XXX XXX 304493903 XXX 3/4/2025 Credit Title or Lien Title Insurance Coverage - Inadequate Coverage $XXX title insurance coverage < $XXX minimum coverage required 3/11: Title Policy 20250311: Received   Cleared 3/11/2025   C A C A C A C A C A C A
XXX XXX 304637919 XXX 3/5/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/5: Clear 20250305: Clear   Cleared 3/5/2025   A A A A A A A A A A A A
XXX XXX 304643043 XXX 3/5/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/5: Clear 20250305: Clear   Cleared 3/5/2025   A A A A A A A A A A A A
XXX XXX 304510531 XXX 3/5/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/5: Clear 20250305: Clear   Cleared 3/5/2025   A A A A A A A A A A A A
XXX XXX 304510536 XXX 3/5/2025 Credit Title/Lien Closing Protection Letter Missing or Defective Closing protection letter is missing mortgagee clause after lender's name. Please provide updated CPL with ISAOA/ATIMA verbiage 20250307: Received Received   Cleared 3/7/2025   C A C A C A C A C A C A
XXX XXX 304510538 XXX 3/5/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/5: Clear 20250305: Clear   Cleared 3/5/2025   A A A A A A A A A A A A
XXX XXX 304510534 XXX 3/5/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/5: Clear 20250305: Clear   Cleared 3/5/2025   A A A A A A A A A A A A
XXX XXX 304510539 XXX 3/5/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/5: Clear 20250305: Clear   Cleared 3/5/2025   A A A A A A A A A A A A
XXX XXX 304510535 XXX 3/5/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/5: Clear 20250305: Clear   Cleared 3/5/2025   A A A A A A A A A A A A
XXX XXX 304510537 XXX 3/5/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/5: Clear 20250305: Clear   Cleared 3/5/2025   A A A A A A A A A A A A
XXX XXX 304635595 XXX 3/5/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/5: Clear 20250305: Clear   Cleared 3/5/2025   A A A A A A A A A A A A
XXX XXX 304632605 XXX 3/6/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/6: Clear 20250306: Clear   Cleared 3/6/2025   A A A A A A A A A A A A
XXX XXX 304634573 XXX 3/6/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/6: Clear 20250306: Clear   Cleared 3/6/2025   A A A A A A A A A A A A
XXX XXX 304639892 XXX 3/6/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/6: Clear 20250306: Clear   Cleared 3/6/2025   A A A A A A A A A A A A
XXX XXX 304643422 XXX 3/7/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/7: Clear 20250307: Clear   Cleared 3/7/2025   A A A A A A A A A A A A
XXX XXX 304637108 XXX 3/7/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/7: Clear 20250307: Clear   Cleared 3/7/2025   A A A A A A A A A A A A
XXX XXX 304632774 XXX 3/7/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/7: Clear 20250307: Clear   Cleared 3/7/2025   A A A A A A A A A A A A
XXX XXX 304632007 XXX 3/7/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/7: Clear 20250307: Clear   Cleared 3/7/2025   A A A A A A A A A A A A
XXX XXX 304634491 XXX 3/10/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/10: Clear 20250310: Clear   Cleared 3/10/2025   A A A A A A A A A A A A
XXX XXX 304572226 XXX 3/10/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/10: Clear 20250310: Clear   Cleared 3/10/2025   A A A A A A A A A A A A
XXX XXX 304640057 XXX 3/10/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/10: Clear 20250310: Clear   Cleared 3/10/2025   A A A A A A A A A A A A
XXX XXX 304654805 XXX 3/10/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/10: Clear 20250310: Clear   Cleared 3/10/2025   A A A A A A A A A A A A
XXX XXX 304636474 XXX 3/10/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/10: Clear 20250310: Clear   Cleared 3/10/2025   A A A A A A A A A A A A
XXX XXX 304512128 XXX 3/10/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/10: Clear 20250310: Clear   Cleared 3/10/2025   A A A A A A A A A A A A
XXX XXX 304633056 XXX 3/10/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/10: Clear 20250310: Clear   Cleared 3/10/2025   A A A A A A A A A A A A
XXX XXX 304640392 XXX 3/10/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/10: Clear 20250310: Clear   Cleared 3/10/2025   A A A A A A A A A A A A
XXX XXX 304641758 XXX 3/11/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/11 Clear 20250311: Clear   Cleared 3/11/2025   A A A A A A A A A A A A
XXX XXX 304635852 XXX 3/11/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/11 Clear 20250311: Clear   Cleared 3/11/2025   A A A A A A A A A A A A
XXX XXX 304497442 XXX 3/11/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/11 Clear 20250311: Clear   Cleared 3/11/2025   A A A A A A A A A A A A
XXX XXX 304634482 XXX 3/11/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/11 Clear 20250311: Clear   Cleared 3/11/2025   A A A A A A A A A A A A
XXX XXX 304432483 XXX 11/20/2024 Property Appraisal Review Appraisal Review - Missing Missing appraisal review for subject property: XXX 20241121: CDA 20241121: Received   Cleared 11/21/2024   D A D A D A D A D A D A
XXX XXX 304432409 XXX 11/25/2024 Property Appraisal Documentation Exterior Inspection Missing or Defective Property is located in an impacted disaster area. Please provide exterior inspection following post disaster guideline requirements. 11/27: PDI 20241127: Received PDI   Cleared 11/27/2024   D A D A D A D A D A D A
XXX XXX 304432431 XXX 11/26/2024 No Findings No Findings No Findings The loan meets all applicable guidelines 11/26: Clear 20241126: Clear   Cleared 11/26/2024   A A A A A A A A A A A A
XXX XXX 304432409 XXX 11/25/2024 Credit Debt Service Coverage Ratio Documentation Short Term Rental Documentation Missing or Defective Missing property management agreement between XXX and XXX 11/26 - XXX - Copy of STR permit deemed unnecessary due to this being a purchase transaction. The borrower would not be able to apply for STR permit until after taking possession of the property. 20241205: Purchase transaction and LOE confirms STR permit/management   Cleared 12/5/2024   D A D A D A D A D A D A
XXX XXX 304432409 XXX 11/25/2024 Credit Debt Service Coverage Ratio Documentation Short Term Rental Documentation Missing or Defective Missing Short-Term Rental Permit; XXX requires land use permit for short term rentals 11/26 - XXX - Copy of STR permit deemed unnecessary due to this being a purchase transaction. The borrower would not be able to apply for STR permit until after taking possession of the property. 20241205: Purchase transaction and LOE confirms STR permit/management   Cleared 12/5/2024   D A D A D A D A D A D A
XXX XXX 304637746 XXX 2/24/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 02/26: Clear 20250226: Clear   Cleared 2/24/2025   A A A A A A A A A A A A
XXX XXX 304637751 XXX 2/24/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 02/26: Clear 20250226: Clear   Cleared 2/24/2025   A A A A A A A A A A A A
XXX XXX 304637796 XXX 2/24/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 02/26: Clear 20250226: Clear   Cleared 2/24/2025   A A A A A A A A A A A A
XXX XXX 304637728 XXX 2/26/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 02/26: Clear 20250226: Clear   Cleared 2/26/2025   A A A A A A A A A A A A
XXX XXX 304637727 XXX 2/26/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 02/26: Clear 20250226: Clear   Cleared 2/26/2025   A A A A A A A A A A A A
XXX XXX 304637781 XXX 2/27/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 2/27: Clear 20250227: Clear   Cleared 2/27/2025   A A A A A A A A A A A A
XXX XXX 304637721 XXX 2/28/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 02/28: Clear 20250228: Clear   Cleared 2/28/2025   A A A A A A A A A A A A
XXX XXX 304637770 XXX 2/26/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 02/26: Clear 20250226: Clear   Cleared 2/26/2025   A A A A A A A A A A A A
XXX XXX 304637795 XXX 2/26/2025 Credit Borrower Requirements Not Met Background Check Missing or Defective Background check reflects XXX counts of XXX charges. Per XXX, any XXX convictions are ineligible for financing.  2/28: XXX guidelines do not prohibit all XXX. Please review: "To the extent there is evidence of previously XXX, XXX within last five (5) years involving fraud, embezzlement, or other similar crimes or adverse fraud screen results, such persons are not permitted unless otherwise approved by XXX" 20250228: Rescinded   Cleared 2/28/2025   C A C A C A C A C A C A
XXX XXX 304637779 XXX 3/5/2025 Property Debt Service Coverage Ratio Documentation Subject Property Lease - Missing or Defective Missing lease agreement for XXX of subject property: XXX 3/6: One of the tenants had left - borrower was marketing unit to get a new one in shortly, but hadn't yet prior to close. 20250306: Rescinded   Cleared 3/6/2025   D A D A D A D A D A D A
XXX XXX 304637767 XXX 3/4/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/4: Clear 20250304: Clear   Cleared 3/4/2025   A A A A A A A A A A A A
XXX XXX 304637777 XXX 3/6/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/6: Clear 20250306: Clear   Cleared 3/6/2025   A A A A A A A A A A A A
XXX XXX 304637733 XXX 3/5/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/5: Clear 20250305: Clear   Cleared 3/5/2025   A A A A A A A A A A A A
XXX XXX 304637756 XXX 3/6/2025 Credit LTV or ARLTV Excessive LTV Ratio 70% LTV  > 65% max allowed as per guides 4/24: Waived via XXX email
3/7: Borrower was working to remove an late payment that was erroneously reported on credit. The attached refreshed pull shows an increase of scores, therefore qualifying the borrower.		 20250424: Waived via XXX email
20250307: Exception approval required. Loan originated on XX/XX/XXXX; Updated Credit Report is dated XX/XX/XXXX. Qualifying credit score at origination was XXX with a Max Leverage of 65%		 DSCR 1.31, Reserves XXX Acknowledged 4/24/2025   C B C B C B C B C B C B
XXX XXX 304637790 XXX 3/7/2025 Property Hazard Insurance Hazard Insurance Missing or Defective Hazard insurance is missing mortgagee clause after lender's name. Please provide updated  insurance with SAOA/ATIMA verbiage 3/25: Insurance with ISAOA/ATIMA language. 20250325: Received   Cleared 3/25/2025   C A C A C A C A C A C A
XXX XXX 304637749 XXX 3/14/2025 No Findings No Findings No Findings The loan meets all applicable guidelines 3/14: Clear 20250314: Clear   Cleared 3/14/2025   A A A A A A A A A A A A
XXX XXX 304375642 XXX 9/17/2024 Credit Loan Documentation Closing Disclosure/Settlement Statement Missing or Defective Missing Closing Disclosure/Settlement Statement Hi, please see attached for Settlement Statement. 20240919: Received settlement statement.    Cleared 9/19/2024   D A D A D A D A D A D A
XXX XXX 304375642 XXX 9/17/2024 Credit Loan Documentation Note Missing or Defective Missing Prepayment Addendum. Promissory Note in file indicates that there is a prepayment penalty.  Hi, please see attached for Prepay to Note. 20241003: Received prepay penalty addendum.    Cleared 10/3/2024   D A D A D A D A D A D A
XXX XXX 304438772 XXX 11/4/2024 No Findings No Findings No Findings The loan meets all applicable guidelines       Cleared 11/4/2024   A A A A A A A A A A A A
XXX XXX 304489882 XXX 1/28/2025 No Findings No Findings No Findings The loan meets all applicable guidelines       Cleared 1/28/2025   A A A A A A A A A A A A
XXX XXX 304511373 XXX 2/5/2025 Credit Title/Lien Title Insurance Coverage - Inadequate Coverage $XXX title insurance coverage < $XXX minimum coverage required. Please provide additional coverage.  uploaded 20250218: Received title insurance    Cleared 2/18/2025   C A C A C A C A C A C A
XXX XXX 304489757 XXX 2/7/2025 Credit Title/Lien Title Insurance Coverage - Inadequate Coverage $XXX title insurance coverage < $XXX minimum coverage required. Please provide additional coverage.  Uploaded 20250221: Received updated title insurance.    Cleared 2/21/2025   C A C A C A C A C A C A
XXX XXX 304489828 XXX 2/10/2025 No Findings No Findings No Findings The loan meets all applicable guidelines       Cleared 2/10/2025   A A A A A A A A A A A A
XXX XXX 304638215 XXX 2/17/2025 No Findings No Findings No Findings The loan meets all applicable guidelines       Cleared 2/17/2025   A A A A A A A A A A A A
XXX XXX 304638279 XXX 2/19/2025 No Findings No Findings No Findings The loan meets all applicable guidelines       Cleared 2/19/2025   A A A A A A A A A A A A
XXX XXX 304638264 XXX 2/19/2025 No Findings No Findings No Findings The loan meets all applicable guidelines       Cleared 2/19/2025   A A A A A A A A A A A A
XXX XXX 304511240 XXX 2/19/2025 No Findings No Findings No Findings The loan meets all applicable guidelines       Cleared 2/19/2025   A A A A A A A A A A A A
XXX XXX 304638265 XXX 2/19/2025 Credit Borrower and Mortgage Eligibility Excessive LTV Ratio 75% LTV > 70% limit for cash out refi with FICO less than XXX.  There is an exception for the LTV, please see attached. 20250221: Exception approval received.  XXX months reserves in file, 0x30x24 Acknowledged 2/21/2025   C B C B C B C B C B C B
XXX XXX 304638233 XXX 2/19/2025 No Findings No Findings No Findings The loan meets all applicable guidelines       Cleared 2/19/2025   A A A A A A A A A A A A
XXX XXX 304511203 XXX 2/20/2025 No Findings No Findings No Findings The loan meets all applicable guidelines       Cleared 2/20/2025   A A A A A A A A A A A A
XXX XXX 304638197 XXX 2/20/2025 No Findings No Findings No Findings The loan meets all applicable guidelines       Cleared 2/20/2025   A A A A A A A A A A A A
XXX XXX 304638243 XXX 2/24/2025 No Findings No Findings No Findings The loan meets all applicable guidelines       Cleared 2/24/2025   A A A A A A A A A A A A
XXX XXX 304638242 XXX 2/25/2025 No Findings No Findings No Findings The loan meets all applicable guidelines       Cleared 2/25/2025   A A A A A A A A A A A A
XXX XXX 304511277 XXX 2/11/2025 Credit Borrower and Mortgage Eligibility Excessive LTV Ratio 80% LTV > 70% limit for limited tradelines. Borrower is a XXX, US credit requirements must be met and treated the same as a XXX and XXX.  uploaded
There is an active mortgage for XXX since XX/XX/XXXX and we have a VOM in file, in addition borrower brought in at least 5% of their own funds. We can use that in lieu of the tradelines		 20250314: Exception approval received.
20250219: Per section XXX of XXX, "VORs and VOMs from servicing companies count toward tradelines with a credit supplement". Please provide credit supplement for VOM in file. 		 Experienced investor, XXX months' reserves, DSCR at least 1 Acknowledged 3/14/2025   C B C B C B C B C B C B
XXX XXX 304511277 XXX 2/11/2025 Property  Borrower and Mortgage Eligibility Subject Property Lease - Missing or Defective Subject property address on lease agreement (XXX), does not match actual address per appraisal and closing docs (XXX).  uploaded 20250218: Received lease agreement   Cleared 2/18/2025   C A C A C A C A C A C A
XXX XXX 304638053 XXX 2/17/2025 No Findings No Findings No Findings The loan meets all applicable guidelines       Cleared 2/17/2025   A A A A A A A A A A A A
XXX XXX 304638208 XXX 2/28/2025 No Findings No Findings No Findings The loan meets all applicable guidelines       Cleared 2/28/2025   A A A A A A A A A A A A
XXX XXX 304638057 XXX 3/4/2025 Credit Loan Documentation Closing Disclosure/Settlement Statement Missing or Defective Missing final settlement statement/closing disclosure. Settlement statement in file is only estimated.  Please see statement. 20250306: Received final HUD.    Cleared 3/6/2025   D A D A D A D A D A D A
XXX XXX 304638232 XXX 3/4/2025 No Findings No Findings No Findings The loan meets all applicable guidelines       Cleared 3/4/2025   A A A A A A A A A A A A
XXX XXX 304511274 XXX 3/4/2025 No Findings No Findings No Findings The loan meets all applicable guidelines       Cleared 3/4/2025   A A A A A A A A A A A A
XXX XXX 304655109 XXX 3/5/2025 No Findings No Findings No Findings The loan meets all applicable guidelines       Cleared 3/5/2025   A A A A A A A A A A A A
XXX XXX 304655340 XXX 3/6/2025 Credit Assets Insufficient Assets to Close $XXX assets < $XXX minimum liquidity required. Please provide additional assets. CD is from the refinance of the other property. This is the cash to close where the loan funds came from. 20250311: Received additional assets.    Cleared 3/11/2025   C A C A C A C A C A C A
XXX XXX 304638074 XXX 3/6/2025 Property  Borrower and Mortgage Eligibility Evidence of Primary Residence and Rent-Free Scenario Missing or Defective Borrower is an inexperienced investor who XXX, which is not permitted per UWG.  Exception approval uploaded 20250313: Exception approval received.  XXX FICO, XXX months reserves, DSCR above 1.1 Acknowledged 3/13/2025   C B C B C B C B C B C B
XXX XXX 304638041 XXX 3/7/2025 No Findings No Findings No Findings The loan meets all applicable guidelines       Cleared 3/7/2025   A A A A A A A A A A A A
XXX XXX 304638094 XXX 3/7/2025 No Findings No Findings No Findings The loan meets all applicable guidelines       Cleared 3/7/2025   A A A A A A A A A A A A
XXX XXX 304489811 XXX 3/11/2025 No Findings No Findings No Findings The loan meets all applicable guidelines       Cleared 3/11/2025   A A A A A A A A A A A A
XXX XXX 304638164 XXX 3/11/2025 No Findings No Findings No Findings The loan meets all applicable guidelines       Cleared 3/11/2025   A A A A A A A A A A A A
XXX XXX 304638126 XXX 3/11/2025 No Findings No Findings No Findings The loan meets all applicable guidelines       Cleared 3/11/2025   A A A A A A A A A A A A
XXX XXX 304638069 XXX 3/11/2025 No Findings No Findings No Findings The loan meets all applicable guidelines       Cleared 3/11/2025   A A A A A A A A A A A A
XXX XXX 304638085 XXX 3/12/2025 No Findings No Findings No Findings The loan meets all applicable guidelines       Cleared 3/12/2025   A A A A A A A A A A A A
XXX XXX 304638026 XXX 3/13/2025 No Findings No Findings No Findings The loan meets all applicable guidelines       Cleared 3/13/2025   A A A A A A A A A A A A
XXX XXX 304637973 XXX 3/13/2025 No Findings No Findings No Findings The loan meets all applicable guidelines       Cleared 3/13/2025   A A A A A A A A A A A A
XXX XXX 304638201 XXX 3/14/2025 Property Insurance Hazard Insurance Missing or Defective Hazard insurance policy in file is missing annual premium. Please provide updated hazard insurance with premium.  Hi, it's right in middle of the policy ($XXX).  I have highlighted it for you. 20250327: Hazard insurance policy premium provided   Cleared 3/27/2025   D A D A D A D A D A D A
XXX XXX 304638261 XXX 3/14/2025 No Findings No Findings No Findings The loan meets all applicable guidelines       Cleared 3/14/2025   A A A A A A A A A A A A
XXX XXX 304655352 XXX 3/14/2025 Credit Loan Documentation Deed Missing or Defective Borrower's name on conveyance deed in file, "XXX", does not match borrower's name per security instrument, "XXX". Please provide corrected deed.  Please see attached. 20250319: Received corrected deed.    Cleared 3/19/2025   C A C A C A C A C A C A
XXX XXX 304638238 XXX 3/14/2025 No Findings No Findings No Findings The loan meets all applicable guidelines       Cleared 3/14/2025   A A A A A A A A A A A A
XXX XXX 304511261 XXX 3/17/2025 No Findings No Findings No Findings The loan meets all applicable guidelines       Cleared 3/17/2025   A A A A A A A A A A A A
XXX XXX 304638118 XXX 3/17/2025 No Findings No Findings No Findings The loan meets all applicable guidelines       Cleared 3/17/2025   A A A A A A A A A A A A
XXX XXX 304638075 XXX 3/17/2025 No Findings No Findings No Findings The loan meets all applicable guidelines       Cleared 3/17/2025   A A A A A A A A A A A A
XXX XXX 304638174 XXX 3/18/2025 No Findings No Findings No Findings The loan meets all applicable guidelines       Cleared 3/18/2025   A A A A A A A A A A A A
XXX XXX 304638171 XXX 3/19/2025 Property Borrower and Mortgage Eligibility Subject Property Lease - Missing or Defective Missing lease agreements for XXX and XXX of subject property located at: XXX  We are using the market rent off the appraisal in file.  Please see attachment.                                                                                       3-28-25---attached are leases and an lease extension.  please review.  TY 20250331: Leases were provided for both units on property XXX
20250320: Per section XXX of XXX, lease are not required on refinance transactions if loan amount <= $1 MM and LTV <= 65%. LTV is 80%, thus, leases are required if the subject is tenant-occupied. Please provide lease agreements for subject. 		   Cleared 3/31/2025   D A D A D A D A D A D A
XXX XXX 304511234 XXX 3/20/2025 No Findings No Findings No Findings The loan meets all applicable guidelines       Cleared 3/20/2025   A A A A A A A A A A A A
XXX XXX 304655240 XXX 3/21/2025 No Findings No Findings No Findings The loan meets all applicable guidelines       Cleared 3/21/2025   A A A A A A A A A A A A
XXX XXX 304511243 XXX 3/26/2025 Credit Title/Lien Title Insurance Missing or Defective Provided title insurance is a preliminary policy with lender's name and insured amount missing. Please provide a title supplement or updated title insurance to meet guideline requirements.  03/31/2025 - Requested doc uploaded 20250331: Updated title insurance with correct amount of coverage   Cleared 3/31/2025   C A C A C A C A C A C A
XXX XXX 304638230 XXX 3/28/2025 No Findings No Findings No Findings The loan meets all applicable guidelines       Cleared 3/28/2025   A A A A A A A A A A A A
XXX XXX 304655252 XXX 4/7/2025 No Findings No Findings No Findings The loan meets all applicable guidelines       Cleared 4/7/2025   A A A A A A A A A A A A
XXX XXX 304495341 XXX 1/21/2025 Credit No Findings No Credit Findings The loan meets all applicable guidelines       Cleared 1/21/2025   A A A A A A A A A A A A
XXX XXX 304495512 XXX 1/31/2025 Credit No Findings No Credit Findings The loan meets all applicable guidelines       Cleared 1/31/2025   A A A A A A A A A A A A
XXX XXX 304495392 XXX 2/11/2025 Credit No Findings No Credit Findings The loan meets all applicable guidelines       Cleared 2/11/2025   A A A A A A A A A A A A
XXX XXX 304495340 XXX 2/13/2025 Credit Borrower and Mortgage Eligibility Evidence of Primary Residence and Rent-Free Scenario Missing or Defective Borrower is staying in rent paying by cash - no cancelled checks available.  20250213: XXX exception approval in file.  20250213: XXX exception approval received.  XXX months reserves greater than program requirement, FICO above the minimum by 20 points or higher Acknowledged 2/13/2025   C B C B C B C B C B C B
XXX XXX 304495340 XXX 2/13/2025 Property Appraisal Documentation Ineligible Property Subject property is located in a rural area 20250213: XXX exception approval in file.  20250213: XXX exception approval received.  XXX months reserves greater than program requirement, FICO above the minimum by 20 points or higher Acknowledged 2/13/2025   C B C B C B C B C B C B
XXX XXX 304495326 XXX 2/20/2025 Credit Loan Documentation Closing Documentation Missing or Defective Missing Deed of trust/Mortgage 20250221: mortgage uploaded 20250224: Received DOT.    Cleared 2/24/2025   D A D A D A D A D A D A
XXX XXX 304495326 XXX 2/20/2025 Credit Loan Documentation Loan Application Missing or Defective Missing Executed Loan Application for XXX 20250221: 1003 uploaded 20250224: Received 1003.    Cleared 2/24/2025   D A D A D A D A D A D A
XXX XXX 304495302 XXX 3/10/2025 Credit Title/Lien Title Insurance Coverage - Inadequate Coverage $XXX title insurance coverage < $XXX minimum coverage required.  20250317: Updated 20250319: Received updated title insurance.    Cleared 3/19/2025   C A C A C A C A C A C A