J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G
Exhibit 99.3
| Customer Loan ID | Loan Exception ID | Exception ID | Exception Date | Exception Type | Exception Category | Exception Subcategory | 15E Category | Exception | Exception Detail | Exception Information | Compensating Factors | Compensating Factor Information | Applying Party | Follow-up Comments | Cleared Date | Cured Date | Waived Date | Exception Level Grade | DBRS Initial Exception Rating | DBRS Final Exception Rating | Fitch Initial Exception Rating | Fitch Final Exception Rating | Kroll Initial Exception Rating | Kroll Final Exception Rating | Moody's Initial Exception Rating | Moody's Final Exception Rating | S&P Initial Exception Rating | S&P Final Exception Rating | Note Date | Property State | Occupancy | Purpose | Exception Remediation | Overall Initial Loan Grade |
Overall Final Loan Grade |
Credit Initial Loan Grade |
Credit Final Loan Grade |
Compliance Initial Loan Grade |
Compliance Final Loan Grade |
Property Initial Loan Grade |
Property Final Loan Grade |
Originator QM ATR Status | TPR QM ATR Status | Is Curable |
| 304390946 | 31709124 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided | xxxx | xxxx |
08/09/2024 | 1 | C | A | C | A | C | A | C | A | C | A | MO | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 304428268 | 32254073 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | xxxx | xxxx |
11/01/2024 | 1 | C | A | C | A | C | A | C | A | C | A | AR | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 304423520 | 32337592 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | xxxx | xxxx |
11/05/2024 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||||||
| 304423520 | 32337593 | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. | - | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Reserves: 117.91 Guideline Requirement: 7.93 Guidelines Representative FICO: 680 Representative FICO: 777 |
Originator,SitusAMC Originator,SitusAMC |
xxxx |
10/24/2024 | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||
| 304423520 | 32337594 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Appraisal reflects a different lender. Exception approval is found on the UW Narrative. Appraisal transfer letter and paid invoice are provided in the file. | xxxx |
10/28/2024 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||||||
| 304423520 | 32337595 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | xxxx |
11/19/2024 | 1 | A | A | A | A | A | FL | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||||||||||||
| 304438711 | 32423528 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | xxxx |
11/22/2024 | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| 304462174 | 32478160 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | xxxx | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Debt Service Coverage Ratio: 1.55 Guideline Requirement: 1.00 Guidelines Representative FICO: 680 Representative FICO: 800 |
Originator,SitusAMC Originator,SitusAMC |
xxxx |
12/11/2024 | 2 | C | B | C | B | C | B | C | B | C | B | AR | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||
| 304454248 | 32615608 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approved and requested for all appraisals must be ordered through a xxxx ("xxxx"). Comp factors 768 FICO, 1.52 DSCR. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC |
xxxx |
10/21/2024 | 2 | B | B | B | B | B | B | B | B | B | B | TN | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | |||||||||||
| 304454220 | 32615732 | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance policy coverage amount is missing from evidence of insurance. | xxxx | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. Seasoned Borrower/Investor whose experience exceeds 10 completed projects. Borrower has owned the subject property for at least 5 years. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
11/21/2024 | 2 | C | B | C | B | C | B | C | B | C | B | VA | Investment | Refinance - Rate/Term | D | B | D | B | A | A | N/A | No | |||||||||||
| 304454220 | 32615734 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | xxxx | xxxx |
11/21/2024 | 1 | C | A | C | A | C | A | C | A | D | A | VA | Investment | Refinance - Rate/Term | D | B | D | B | A | A | N/A | No | |||||||||||||
| 304454220 | 32615735 | Credit | Credit | Credit Documentation | Credit | Background check is missing. | xxxx | xxxx |
12/04/2024 | 1 | A | A | A | A | A | VA | Investment | Refinance - Rate/Term | D | B | D | B | A | A | N/A | No | ||||||||||||||||||
| 304438716 | 32636333 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument Error: MERS Min Number was not provided | xxxx | xxxx |
12/03/2024 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| 304438716 | 32636334 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | xxxx | xxxx |
12/03/2024 | 1 | B | A | B | A | B | A | B | A | B | A | FL | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | ||||||||||
| 304438716 | 32636335 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | xxxx | xxxx |
12/03/2024 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| 304438716 | 32636336 | Compliance | Compliance | Federal Compliance | Missing Disclosure | Acknowledgement of Borrower Receipt of Notice of Special Flood Hazard Disclosure Missing | FDPA Notification Rule: Creditor did not retain record of borrower's receipt of Notice of Special Flood Hazard Disclosure. | xxxx | xxxx |
12/02/2024 | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | ||||||||||
| 304438716 | 32636337 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |
12/02/2024 | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| 304441932 | 32658557 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | xxxx | xxxx |
12/03/2024 | 1 | B | A | B | A | B | A | B | A | B | A | VA | Investment | Purchase | C | A | C | A | B | A | A | A | N/A | No | ||||||||||
| 304441932 | 32658558 | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | - | xxxx | xxxx |
12/11/2024 | 1 | C | A | C | A | C | A | C | A | C | A | VA | Investment | Purchase | C | A | C | A | B | A | A | A | N/A | No | ||||||||||
| 304441933 | 32658620 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | xxxx | xxxx |
12/11/2024 | 1 | B | A | B | A | B | A | B | A | B | A | VA | Investment | Refinance - Rate/Term | C | B | C | A | B | B | A | A | N/A | No | ||||||||||
| 304441933 | 32658621 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx | xxxx |
12/18/2024 | 2 | B | B | B | B | B | B | B | B | B | B | VA | Investment | Refinance - Rate/Term | C | B | C | A | B | B | A | A | N/A | No | ||||||||||
| 304441933 | 32658622 | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided | xxxx | xxxx |
12/19/2024 | 1 | C | A | C | A | C | A | C | A | C | A | VA | Investment | Refinance - Rate/Term | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| 304441933 | 32658624 | Credit | Compliance | Miscellaneous Compliance | Compliance | Patriot Act Disclosure is missing | - | xxxx | xxxx |
12/06/2024 | 1 | C | A | C | A | C | A | C | A | C | A | VA | Investment | Refinance - Rate/Term | C | B | C | A | B | B | A | A | N/A | No | ||||||||||
| 304441933 | 32658625 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Mortgage Loan Payoff Statement require for xxxx and Payoff Statement for xxxx. | xxxx |
12/11/2024 | 1 | C | A | C | A | C | A | C | A | C | A | VA | Investment | Refinance - Rate/Term | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| 304462231 | 32767231 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Exception on tape. Appraisal indicates Legal Nonconforming zoning and the property cannot be built if destroyed. Exception is approved for subject's zoning with requirement of Law and Ordinance coverage. Evidence of insurance reflects Ordinance or Law coverage. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |
Debt Service Coverage Ratio: 1.66 Guideline Requirement: 1.00 Reserves: 46.76 Guideline Requirement: 6.49 |
Originator,SitusAMC Originator,SitusAMC |
xxxx |
07/03/2024 | 2 | B | B | B | B | B | B | B | B | B | B | OH | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||
| 304462231 | 32767232 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Appraisal indicates one of the three units is vacant and lease agreements are provided for only two units. Exception approval is found on UW Narrative for using $0 qualifying rent for the vacant unit without 5% LTV reduction. The exception is approved for using $0 rent for the vacant unit and waiving the 5% LTV reduction. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |
Debt Service Coverage Ratio: 1.66 Guideline Requirement: 1.00 Reserves: 46.76 Guideline Requirement: 6.49 |
Originator,SitusAMC Originator,SitusAMC |
xxxx |
07/08/2024 | 2 | C | B | C | B | C | B | C | B | C | B | OH | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||
| 304462231 | 32767233 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Application reflects the guarantor is a U.S. Citizen, however guarantor's driver's license reflects "Limited Term". Please provide evidence of the guarantor's U.S. citizenship. | xxxx |
07/22/2024 | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||||
| 304428265 | 32767245 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | - | xxxx | xxxx |
01/14/2025 | 1 | C | A | C | A | C | A | C | A | C | A | MS | Investment | Purchase | C | A | A | A | C | A | N/A | No | ||||||||||||
| 304422376 | 32802466 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | xxxx | xxxx |
01/16/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| 304471338 | 32813465 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | xxxx | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Loan to Value: 67.00000% Guideline Maximum Loan to Value: 80.00000% Guidelines Representative FICO: 720 Representative FICO: 797 |
Originator,SitusAMC Originator,SitusAMC |
xxxx |
01/21/2025 | 2 | C | B | C | B | C | B | C | B | D | B | AR | Investment | Refinance - Rate/Term | D | B | D | B | A | A | N/A | No | ||||||||||
| 304471327 | 32813467 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | xxxx | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Debt Service Coverage Ratio: 1.58 Guideline Requirement: 1.00 Guidelines Representative FICO: 720 Representative FICO: 797 |
Originator,SitusAMC Originator,SitusAMC |
xxxx |
01/21/2025 | 2 | C | B | C | B | C | B | C | B | D | B | AR | Investment | Refinance - Rate/Term | D | B | D | B | A | A | N/A | No | ||||||||||
| 304476741 | 32813485 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | xxxx | xxxx |
01/22/2025 | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||
| 304476819 | 32813542 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Exception on tape. Subject property has xxxx sq ft, below minimum guideline requirement of 700 sq ft. Exception granted to proceed with sq ft below 700. There are 2 comps similar in size and support square footage as being typical for the area. Comp factors: 741 FICO, DSCR > 1.600, 62.19% LTV. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Debt Service Coverage Ratio: 1.68 Guideline Requirement: 1.00 Guidelines Representative FICO: 660 Representative FICO: 741 |
Originator,SitusAMC Originator,SitusAMC |
xxxx |
01/21/2025 | 2 | B | B | B | B | B | B | B | B | B | B | WV | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | ||||||||||
| 304405502 | 32845173 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | xxxx |
08/18/2024 | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Rate/Term | D | B | D | B | D | A | N/A | No | |||||||||||||
| 304405502 | 32845174 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | xxxx |
08/19/2024 | 1 | D | A | D | A | D | A | D | A | D | A | GA | Investment | Refinance - Rate/Term | D | B | D | B | D | A | N/A | No | ||||||||||||||
| 304405502 | 32845176 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | xxxx | xxxx |
09/20/2024 | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Rate/Term | D | B | D | B | D | A | N/A | No | |||||||||||||
| 304405502 | 32845177 | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. | xxxx | xxxx |
08/21/2024 | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Rate/Term | D | B | D | B | D | A | N/A | No | |||||||||||||
| 304405502 | 32845178 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | xxxx | xxxx |
08/18/2024 | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Rate/Term | D | B | D | B | D | A | N/A | No | |||||||||||||
| 304405502 | 32845179 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided | xxxx |
08/18/2024 | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Rate/Term | D | B | D | B | D | A | N/A | No | ||||||||||||||
| 304405502 | 32845180 | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided | xxxx |
08/18/2024 | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Rate/Term | D | B | D | B | D | A | N/A | No | ||||||||||||||
| 304405502 | 32845181 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
08/18/2024 | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Rate/Term | D | B | D | B | D | A | N/A | No | ||||||||||||||
| 304405502 | 32845182 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | xxxx |
08/21/2024 | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Rate/Term | D | B | D | B | D | A | N/A | No | ||||||||||||||
| 304405502 | 32845183 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided | xxxx |
08/18/2024 | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Rate/Term | D | B | D | B | D | A | N/A | No | ||||||||||||||
| 304405502 | 32845184 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | xxxx | xxxx |
09/20/2024 | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Rate/Term | D | B | D | B | D | A | N/A | No | |||||||||||||
| 304405502 | 32845185 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | xxxx | xxxx |
08/18/2024 | 1 | C | A | C | A | C | A | C | A | D | A | GA | Investment | Refinance - Rate/Term | D | B | D | B | D | A | N/A | No | |||||||||||||
| 304405502 | 32845186 | Credit | Missing Document | General | Missing Document | Missing Document: Desk Review not provided | xxxx |
08/18/2024 | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Rate/Term | D | B | D | B | D | A | N/A | No | ||||||||||||||
| 304405502 | 32845187 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 660 Representative FICO: 786 |
SitusAMC | xxxx |
09/13/2024 | 2 | C | B | C | B | C | B | C | B | C | B | GA | Investment | Refinance - Rate/Term | D | B | D | B | D | A | N/A | No | |||||||||
| 304405502 | 32845188 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 660 Representative FICO: 786 |
SitusAMC | xxxx |
09/19/2024 | 2 | C | B | C | B | C | B | C | B | C | B | GA | Investment | Refinance - Rate/Term | D | B | D | B | D | A | N/A | No | ||||||||||
| 304405502 | 32845189 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 660 Representative FICO: 786 |
SitusAMC | xxxx |
09/19/2024 | 2 | C | B | C | B | C | B | C | B | C | B | GA | Investment | Refinance - Rate/Term | D | B | D | B | D | A | N/A | No | ||||||||||
| 304405502 | 32845190 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 660 Representative FICO: 786 |
SitusAMC | xxxx |
09/19/2024 | 2 | B | B | B | B | B | GA | Investment | Refinance - Rate/Term | D | B | D | B | D | A | N/A | No | |||||||||||||||
| 304405502 | 32845191 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | - | xxxx | xxxx |
09/20/2024 | 1 | A | A | A | A | A | GA | Investment | Refinance - Rate/Term | D | B | D | B | D | A | N/A | No | |||||||||||||||||
| 304393254 | 32845353 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | xxxx | Borrower has owned the subject property for at least 5 years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
11/20/2024 | 2 | C | B | C | B | C | B | C | B | C | B | VA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| 304393254 | 32845354 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Instructions not provided | xxxx |
10/25/2024 | 1 | C | A | C | A | C | A | C | A | C | A | VA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| 304470260 | 32849995 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Exception requested and approved to not escrow for insurance due to commercial blanket policy. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Seasoned Borrower/Investor whose experience exceeds 10 completed projects. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Reserves: 967.97 Guideline Requirement: 6.00 # of Properties Completed: 300 # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): 10 Loan to Value: 52.68817% Guideline Maximum Loan to Value: 80.00000% Guidelines Representative FICO: 660 Representative FICO: 808 |
SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
12/17/2024 | 2 | B | B | B | B | B | B | B | B | B | B | WI | Investment | Refinance - Rate/Term | B | B | B | B | A | A | N/A | No | ||||||||||
| 304470260 | 32849996 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approved at origination to not source large deposits. Borrower bank statements for the entity reflects a higher number of transactions indicative of the business model of purchasing and selling properties. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Seasoned Borrower/Investor whose experience exceeds 10 completed projects. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Reserves: 967.97 Guideline Requirement: 6.00 # of Properties Completed: 300 # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): 10 Loan to Value: 52.68817% Guideline Maximum Loan to Value: 80.00000% Guidelines Representative FICO: 660 Representative FICO: 808 |
SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
12/17/2024 | 2 | B | B | B | B | B | B | B | B | B | B | WI | Investment | Refinance - Rate/Term | B | B | B | B | A | A | N/A | No | ||||||||||
| 304470260 | 32849997 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Approved lender exception in file permitting a commercial blanket policy with annual renewal date of xxxx. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Seasoned Borrower/Investor whose experience exceeds 10 completed projects. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Reserves: 967.97 Guideline Requirement: 6.00 # of Properties Completed: 300 # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): 10 Loan to Value: 52.68817% Guideline Maximum Loan to Value: 80.00000% Guidelines Representative FICO: 660 Representative FICO: 808 |
SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
12/17/2024 | 2 | B | B | B | B | B | B | B | B | B | B | WI | Investment | Refinance - Rate/Term | B | B | B | B | A | A | N/A | No | ||||||||||
| 304471378 | 32938913 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 680 Representative FICO: 797 |
Originator,SitusAMC | xxxx |
01/22/2025 | 2 | C | B | C | B | C | B | C | B | D | B | AR | Investment | Refinance - Cash-out - Other | D | B | D | B | A | A | N/A | No | ||||||||||
| 304471378 | 32938914 | Credit | Asset | Asset Documentation | Asset | Insufficient funds for Reserves. Guidelines require | ___, and verified reserves are ___. | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 680 Representative FICO: 797 |
Originator,SitusAMC | xxxx |
01/30/2025 | 2 | C | B | C | B | C | B | C | B | C | B | AR | Investment | Refinance - Cash-out - Other | D | B | D | B | A | A | N/A | No | |||||||||
| 304471481 | 32938919 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Mortgage Loan Payoff Statement not provided | xxxx | xxxx |
01/29/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||
| 304471481 | 32938920 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | xxxx | xxxx |
01/21/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||
| 304476797 | 32938924 | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. | xxxx | xxxx |
01/28/2025 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | |||||||||||||
| 304476797 | 32938925 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | xxxx | xxxx |
01/28/2025 | 1 | C | A | C | A | C | A | C | A | D | A | IL | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | |||||||||||||
| 304476933 | 32938929 | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. | xxxx | xxxx |
02/06/2025 | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 304476920 | 32939032 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | xxxx | xxxx |
02/05/2025 | 1 | C | A | C | A | C | A | C | A | D | A | CT | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | |||||||||||||
| 304476920 | 32939033 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | xxxx | xxxx |
01/31/2025 | 1 | C | A | C | A | C | A | C | A | D | A | CT | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | |||||||||||||
| 304476919 | 32939035 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | xxxx | xxxx |
02/05/2025 | 1 | C | A | C | A | C | A | C | A | D | A | CT | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | |||||||||||||
| 304476919 | 32939036 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | xxxx | xxxx |
01/31/2025 | 1 | C | A | C | A | C | A | C | A | D | A | CT | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | |||||||||||||
| 304481225 | 32953898 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | xxxx | xxxx |
02/10/2025 | 1 | C | A | C | A | C | A | C | A | C | A | MS | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | |||||||||||||
| 304481225 | 32953899 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided | xxxx | xxxx |
02/10/2025 | 1 | D | A | D | A | D | A | D | A | D | A | MS | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | |||||||||||||
| 304476970 | 32954020 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Title Preliminary not provided | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | |||||||||||||
| 304476970 | 32954021 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | xxxx | xxxx |
02/14/2025 | 1 | C | A | C | A | C | A | C | A | D | A | NJ | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | |||||||||||||
| 304510485 | 33000545 | Credit | Guideline | Guideline Issue | Guideline | Aged document: Asset Account date is more than 90 days prior to Closing. | - | xxxx | xxxx |
02/12/2025 | 1 | C | A | C | A | C | A | C | A | C | A | MO | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||
| 304510485 | 33000546 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | xxxx | xxxx |
02/12/2025 | 1 | C | A | C | A | C | A | C | A | C | A | MO | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 304510485 | 33000547 | Credit | Asset | Asset Documentation | Asset | Insufficient funds for Reserves. Guidelines require | xxxx | xxxx |
02/12/2025 | 1 | C | A | C | A | C | A | C | A | C | A | MO | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 304510461 | 33000657 | Credit | Loan Package Documentation | Closing / Title | Collateral | Security Instrument is not signed by borrower(s). | xxxx | xxxx |
02/14/2025 | 1 | C | A | C | A | C | A | C | A | C | A | MO | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 304481786 | 33063405 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | xxxx | xxxx |
02/14/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | D | B | D | A | B | B | A | A | N/A | No | ||||||||||
| 304481786 | 33063406 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note Error: Note grace period days less than minimum per state | xxxx |
02/12/2025 | 2 | B | B | B | B | B | B | B | B | B | B | NY | Investment | Purchase | D | B | D | A | B | B | A | A | N/A | No | ||||||||||||
| 304481786 | 33063407 | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state | xxxx |
02/12/2025 | 2 | B | B | B | B | B | B | B | B | B | B | NY | Investment | Purchase | D | B | D | A | B | B | A | A | N/A | No | ||||||||||||
| 304481786 | 33063410 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | xxxx | xxxx |
02/14/2025 | 1 | C | A | C | A | C | A | C | A | D | A | NY | Investment | Purchase | D | B | D | A | B | B | A | A | N/A | No | |||||||||||
| 304421500 | 33063569 | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal | xxxx | xxxx |
02/04/2025 | 1 | C | A | C | A | C | A | C | A | C | A | DC | Investment | Refinance - Cash-out - Other | D | A | D | A | C | A | N/A | No | |||||||||||||
| 304421500 | 33063570 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | xxxx | xxxx |
11/08/2024 | 1 | C | A | C | A | C | A | C | A | D | A | DC | Investment | Refinance - Cash-out - Other | D | A | D | A | C | A | N/A | No | |||||||||||||
| 304442367 | 33063595 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | xxxx | xxxx |
01/31/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||
| 304635704 | 33144100 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | xxxx | xxxx |
03/07/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 304632305 | 33144107 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | xxxx | xxxx |
03/04/2025 | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 304632305 | 33144108 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | xxxx | xxxx |
03/11/2025 | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 304635763 | 33144117 | Credit | Borrower and Mortgage Eligibility | Borrower Eligibility | Borrower and Mortgage Eligibility | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. | - | xxxx | xxxx |
03/12/2025 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||
| 304632304 | 33144122 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Data compare needs to be addressed. | xxxx |
03/14/2025 | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||||
| 304632304 | 33144123 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Exception on tape. Subject appraisal value $xxxx is less than $75,000 minimum required. Exception is approved for the property value with requirement of $12 months reserves and 764 FICO. Both requirements are met. | The representative FICO score exceeds the guideline minimum by at least 40 points. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |
Guidelines Representative FICO: 680 Representative FICO: 764 Reserves: 30.37 Guideline Requirement: 6.00 |
Originator,SitusAMC Originator,SitusAMC |
xxxx |
03/07/2025 | 2 | B | B | B | B | B | B | B | B | B | B | MI | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||
| 304671101 | 33205151 | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. | - | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |
Guidelines Representative FICO: 680 Representative FICO: 807 Reserves: 54.82 Guideline Requirement: 6.32 |
Originator,SitusAMC Originator,SitusAMC |
xxxx |
03/19/2025 | 2 | B | B | B | B | B | B | B | B | B | B | GA | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | |||||||||
| 304482942 | 33273774 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | xxxx | xxxx |
01/27/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Refinance - Rate/Term | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| 304482942 | 33273776 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx | xxxx |
01/22/2025 | 2 | B | B | B | B | B | B | B | B | B | B | NC | Investment | Refinance - Rate/Term | C | B | C | A | B | B | A | A | N/A | No | ||||||||||
| 304482942 | 33273777 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Property was vacant. Vacancies accepted with sufficient LOE (tenant turnover, recent rehab of subject, etc.),with supporting documentation (inspection, COO, active MLS rental listing, etc.). Missing LOX or other documentation, | xxxx |
01/29/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Refinance - Rate/Term | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| 304482942 | 33273778 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | As per Background Search for borrower xxxx. judgment in the amount of $xxxx Must be satisfied on or before closing. | xxxx |
01/29/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Refinance - Rate/Term | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| 304482942 | 33273779 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Ineligible property type: Per guidelines, Properties with deed restrictions. They may only be approved on a case-by-case basis (e.g., age- restricted communities) . Per appraisal, property is in a 55+ adult only community. | xxxx |
03/03/2025 | 1 | A | A | A | A | A | NC | Investment | Refinance - Rate/Term | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||||||
| 304482942 | 33273780 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - PUD not provided | xxxx | xxxx |
03/05/2025 | 1 | A | A | A | A | A | NC | Investment | Refinance - Rate/Term | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||||||
| 304483095 | 33273846 | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | - | xxxx | xxxx |
02/07/2025 | 1 | C | A | C | A | C | A | C | A | C | A | ME | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | No | ||||||||||
| 304483095 | 33273848 | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. | xxxx | xxxx |
01/31/2025 | 1 | C | A | C | A | C | A | C | A | C | A | ME | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | No | |||||||||||
| 304483095 | 33273849 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided | xxxx | xxxx |
01/31/2025 | 1 | C | A | C | A | C | A | C | A | C | A | ME | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | No | |||||||||||
| 304483095 | 33273850 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | xxxx | xxxx |
02/20/2025 | 1 | C | A | C | A | C | A | C | A | C | A | ME | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | No | |||||||||||
| 304483095 | 33273851 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | xxxx | xxxx |
01/31/2025 | 1 | C | A | C | A | C | A | C | A | C | A | ME | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | No | |||||||||||
| 304483095 | 33273852 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | xxxx | xxxx |
02/20/2025 | 1 | C | A | C | A | C | A | C | A | D | A | ME | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | No | |||||||||||
| 304638547 | 33273928 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | xxxx | xxxx |
03/17/2025 | 1 | B | A | B | A | B | A | B | A | B | A | FL | Investment | Refinance - Cash-out - Other | B | A | B | A | B | A | A | A | N/A | No | ||||||||||
| 304638547 | 33273929 | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): | xxxx | xxxx |
03/05/2025 | 1 | B | A | B | A | B | A | B | A | B | A | FL | Investment | Refinance - Cash-out - Other | B | A | B | A | B | A | A | A | N/A | No | |||||||||||
| 304485286 | 33273957 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | xxxx | xxxx |
03/11/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| 304485286 | 33273958 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx | xxxx |
03/10/2025 | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | ||||||||||
| 304485286 | 33273959 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | xxxx | xxxx |
03/10/2025 | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | ||||||||||
| 304643346 | 33273991 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx | xxxx |
03/13/2025 | 2 | B | B | B | B | B | B | B | B | B | B | GA | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | ||||||||||
| 304643346 | 33273992 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I | xxxx | xxxx |
03/18/2025 | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| 304638296 | 33273994 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | xxxx | xxxx |
03/14/2025 | 1 | B | A | B | A | B | A | B | A | B | A | TX | Investment | Refinance - Rate/Term | C | A | C | A | B | A | A | A | N/A | No | ||||||||||
| 304638296 | 33273995 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | xxxx | xxxx |
03/18/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | C | A | C | A | B | A | A | A | N/A | No | |||||||||||
| 304643496 | 33274004 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx | xxxx |
03/14/2025 | 1 | B | A | B | A | B | A | B | A | B | A | FL | Investment | Purchase | B | A | A | A | B | A | A | A | N/A | No | ||||||||||
| 304654707 | 33274007 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx | xxxx |
03/14/2025 | 1 | B | A | B | A | B | A | B | A | B | A | FL | Investment | Refinance - Rate/Term | B | B | A | A | B | B | A | A | N/A | No | ||||||||||
| 304654707 | 33274008 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | xxxx | xxxx |
03/14/2025 | 1 | B | A | B | A | B | A | B | A | B | A | FL | Investment | Refinance - Rate/Term | B | B | A | A | B | B | A | A | N/A | No | ||||||||||
| 304654707 | 33274009 | Compliance | Compliance | Federal Compliance | Missing Disclosure | Acknowledgement of Borrower Receipt of Notice of Special Flood Hazard Disclosure Missing | FDPA Notification Rule: Creditor did not retain record of borrower's receipt of Notice of Special Flood Hazard Disclosure. | xxxx | xxxx |
03/17/2025 | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Refinance - Rate/Term | B | B | A | A | B | B | A | A | N/A | No | ||||||||||
| 304476766 | 33323000 | Credit | Document Inventory | General | Document Inventory | Final Inspection / 442 does not reflect all required repairs or property completion requirements. | xxxx | xxxx |
03/28/2025 | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 304471273 | 33323002 | Credit | Credit | Credit Eligibility | Credit | Active Tradeline requirement not met. | - Borrower has ___ Active Tradelines which is less than the minimum required by guidelines. | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 660 Representative FICO: 747 |
Originator,SitusAMC | xxxx |
03/04/2025 | 2 | C | B | C | B | C | B | C | B | C | B | WA | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||
| 304471273 | 33323003 | Credit | Asset | Asset Documentation | Asset | Insufficient funds for Reserves. Guidelines require | xxxx | xxxx |
04/02/2025 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||||||
| 304481011 | 33323021 | Credit | Guideline | Guideline Issue | Guideline | Experience level does not meet the guideline requirements for an experienced investor. | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | C | A | MS | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 304481011 | 33323022 | Credit | Document Inventory | General | Document Inventory | Final Inspection / 442 does not reflect all required repairs or property completion requirements. | xxxx | xxxx |
03/28/2025 | 1 | C | A | C | A | C | A | C | A | C | A | MS | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 304510403 | 33323026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Appraisal provided reflects a different company as the lender. Exception approval is found on UW Narrative. Appraisal transfer letter and proof of paid invoice required by the exception approval are provided. | xxxx |
02/17/2025 | 1 | C | A | C | A | C | A | C | A | C | A | AL | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||||
| 304510403 | 33323027 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of ___ does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) ___. | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. | SitusAMC | xxxx |
04/01/2025 | 2 | C | B | C | B | C | B | C | B | C | B | AL | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||
| 304510403 | 33323028 | Credit | Asset | Asset Documentation | Asset | Insufficient funds for Reserves. Guidelines require | ___, and verified reserves are ___. | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. | SitusAMC | xxxx |
04/01/2025 | 2 | C | B | C | B | C | B | C | B | C | B | AL | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||
| 304476799 | 33323035 | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | - | xxxx | xxxx |
03/31/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||
| 304476799 | 33323036 | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | - | xxxx | xxxx |
03/31/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||
| 304635738 | 33323040 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Data compare needs to be addressed. | xxxx |
03/21/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 304671138 | 33323050 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Data compare needs to be addressed. | xxxx |
03/21/2025 | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||
| 304671126 | 33323066 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
03/26/2025 | 1 | C | A | C | A | C | A | C | A | C | A | MO | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 304682677 | 33323074 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Data compare needs to be addressed. | xxxx |
03/21/2025 | 1 | C | A | C | A | C | A | C | A | C | A | IN | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 304677017 | 33323079 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Data compare need to be addressed. | xxxx |
03/21/2025 | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 304671195 | 33323087 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided | xxxx | xxxx |
03/24/2025 | 1 | C | A | C | A | C | A | C | A | C | A | WI | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 304671195 | 33323088 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | xxxx | xxxx |
03/24/2025 | 1 | C | A | C | A | C | A | C | A | C | A | WI | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 304635727 | 33323098 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided | xxxx |
03/27/2025 | 1 | C | A | C | A | C | A | C | A | C | A | OK | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||||||
| 304635727 | 33323100 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Exception on Tape: Income - Lease is a corporate lease with xxxx. Per LOE this is a non profit organization that provides stable, long term housing for families in need. Received adequate documentation to validate tenant occupancy for corporate tenant. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reserves: 188.79 Guideline Requirement: 9.74 |
Originator,SitusAMC | xxxx |
03/21/2025 | 2 | B | B | B | B | B | B | B | B | B | B | OK | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||
| 304677026 | 33323102 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | xxxx | xxxx |
03/25/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 304677026 | 33323103 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | xxxx |
03/26/2025 | 1 | A | A | A | A | A | A | A | A | A | A | NY | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 304677026 | 33323104 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | xxxx | xxxx |
03/25/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 304676998 | 33323130 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | xxxx | xxxx |
03/28/2025 | 1 | C | A | C | A | C | A | C | A | D | A | MD | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | |||||||||||||
| 304681597 | 33323194 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Appraisal reflects a different lender. Exception approval is located on the UW Narrative. Appraisal paid invoice required by the exception approval are provided in the file. The appraisal transfer letter is not provided. | xxxx |
04/03/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CT | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 304682519 | 33323225 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Initial Purchase) not provided | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. |
17 months reserves. | SitusAMC,Aggregator SitusAMC |
xxxx |
06/05/2025 | 2 | B | B | B | B | B | GA | Investment | Refinance - Cash-out - Other | A | B | A | B | A | A | N/A | No | |||||||||||||||
| 304632420 | 33323236 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Exception on tape. Minimum value per guidelines is $75,000. Exception is approved for appraisal value of $xxxx with DSCR at 1.7 or higher, comp factor FICO 725 and 12 months of reserve liquidity. Loan closed with DSCR of 1.96, FICO, 725, > 12 months reserves. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Debt Service Coverage Ratio: 1.96 Guideline Requirement: 1.00 Guidelines Representative FICO: 680 Representative FICO: 724 |
Originator,SitusAMC Originator,SitusAMC |
xxxx |
04/04/2025 | 2 | B | B | B | B | B | B | B | B | B | B | MO | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | ||||||||||
| 304439976 | 33328592 | Credit | Asset | Asset Documentation | Asset | Insufficient funds for Reserves. Guidelines require | ___, and verified reserves are ___. | xxxx | The qualifying DSCR on the loan is greater than the guideline minimum. | The DSCR of 1.33 is greater than the minimum required DSCR of 1.00. | SitusAMC,Originator | xxxx |
11/08/2024 | 2 | C | B | C | B | C | B | C | B | C | B | PA | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||
| 304439976 | 33328593 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | xxxx | xxxx |
08/08/2024 | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||||||
| 304439976 | 33328594 | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided | xxxx | xxxx |
07/29/2024 | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||||||
| 304439976 | 33328595 | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance does not name lender as mortgagee | xxxx | xxxx |
07/30/2024 | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||||||
| 304439978 | 33328611 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | xxxx | xxxx |
08/05/2024 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 304439978 | 33328612 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Appraisal reflects deferred maintenance to repair siding damage, rotted wood, gutters and clean off mossy roof, ceiling damage, deck, cracked window, electric, and to correct exterior peeling paint with cost to cure of $xxxx. HUD-1 does not reflect escrow holdback and proof of the completion of the deferred maintenance is not provided. | xxxx |
08/05/2024 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 304439948 | 33328617 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | xxxx | xxxx |
08/10/2024 | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 304439944 | 33328625 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided | xxxx | xxxx |
08/09/2024 | 1 | D | A | D | A | D | A | D | A | D | A | TX | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | |||||||||||||
| 304439974 | 33328635 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Appraisal provided reflects a different company as the lender. Exception approval is found on UW Narrative. Appraisal transfer letter and proof of paid invoice required by the exception approval were provided. | xxxx |
08/19/2024 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 304439974 | 33328637 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | xxxx | xxxx |
10/14/2024 | 1 | A | A | A | A | A | NC | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||||||
| 304439949 | 33328650 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ Disaster End Date: ___ Disaster Name: ___ Disaster Declaration Date: ___ |
xxxx | xxxx |
06/04/2025 | 1 | A | A | A | A | A | WV | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | N/A | No | |||||||||||||||||
| 304439920 | 33328652 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | xxxx | xxxx |
09/08/2024 | 1 | C | A | C | A | C | A | C | A | C | A | WV | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 304439920 | 33328653 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Please provide supporting documentation for "Other" monthly expense fee for $xxxx that is reflected on the DSCR worksheet. | xxxx |
09/10/2024 | 1 | C | A | C | A | C | A | C | A | C | A | WV | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 304439926 | 33328657 | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided | xxxx | xxxx |
10/03/2024 | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 304439959 | 33328659 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided | xxxx | xxxx |
09/17/2024 | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 304439902 | 33328661 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Exception on tape. Lease agreement provided reflects lease term from xxxx to xxxx, 25 days short of a full 12 months period, with 12 month auto renewal. Exception is approved for the lease term. | The qualifying DSCR on the loan is greater than the guideline minimum. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |
The DSCR of 1.34 is greater than the minimum required DSCR of 1.00. Reserves: 57.65 Guideline Requirement: 6.00 |
SitusAMC,Originator Originator,SitusAMC |
xxxx |
09/15/2024 | 2 | C | B | C | B | C | B | C | B | C | B | PA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||
| 304439891 | 33328666 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Subject appears to be a double closing. Seller on HUD-1 is the original buyer on the purchase contract, not the vested owner on title. Please provide HUD-1 and warranty deed from the 1st transaction of the double closing. Both purchase contracts are provided. | xxxx |
12/12/2024 | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||
| 304439891 | 33328667 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Subject is a double closing. Borrower paid purchase price $xxxx is a increase more than 20% from $xxxx purchase price the seller paid, according to the original purchase contract. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |
Debt Service Coverage Ratio: 1.88 Guideline Requirement: 1.00 Reserves: 11.11 Guideline Requirement: 6.00 |
Originator,SitusAMC Originator,SitusAMC |
xxxx |
12/01/2024 | 2 | C | B | C | B | C | B | C | B | C | B | TN | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||
| 304439880 | 33328672 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided | xxxx | xxxx |
09/24/2024 | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 304439885 | 33328678 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided | xxxx | xxxx |
09/26/2024 | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 304439885 | 33328679 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | This appears to be a double closing. Please provide HUD-1 and warranty deed from the 1st transaction of the double closing. Seller on HUD-1 and warranty deed is the original buyer. Both purchase contracts are provided. | xxxx |
09/30/2024 | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 304439885 | 33328680 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | xxxx | xxxx |
09/30/2024 | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 304439877 | 33328699 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided | xxxx | xxxx |
10/03/2024 | 1 | D | A | D | A | D | A | D | A | D | A | OK | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | |||||||||||||
| 304476996 | 33328706 | Credit | Missing Document | General | Missing Document | Missing Document: Explanation Letter not provided | xxxx | xxxx |
10/09/2024 | 1 | C | A | C | A | C | A | C | A | C | A | WV | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||
| 304476996 | 33328707 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | xxxx | xxxx |
10/09/2024 | 1 | C | A | C | A | C | A | C | A | C | A | WV | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||
| 304476999 | 33328711 | Credit | Guideline | Guideline Issue | Guideline | Ineligible Property Type per the guidelines. | xxxx | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Debt Service Coverage Ratio: 1.60 Guideline Requirement: 1.00 Guidelines Representative FICO: 680 Representative FICO: 741 |
Originator,SitusAMC Originator,SitusAMC |
xxxx |
09/30/2024 | 2 | B | B | B | B | B | B | B | B | B | B | OH | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | ||||||||||
| 304462180 | 33328723 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | xxxx | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Debt Service Coverage Ratio: 1.78 Guideline Requirement: 1.00 Guidelines Representative FICO: 720 Representative FICO: 774 |
Originator,SitusAMC Originator,SitusAMC |
xxxx |
02/18/2025 | 2 | C | B | C | B | C | B | C | B | C | B | PA | Investment | Refinance - Rate/Term | D | B | D | B | A | A | N/A | No | ||||||||||
| 304462180 | 33328724 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | xxxx | xxxx |
12/08/2024 | 1 | C | A | C | A | C | A | C | A | D | A | PA | Investment | Refinance - Rate/Term | D | B | D | B | A | A | N/A | No | |||||||||||||
| 304476903 | 33328728 | Credit | Missing Document | General | Missing Document | Missing Document: Explanation Letter not provided | xxxx | xxxx |
02/26/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 304476903 | 33328729 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. | xxxx | xxxx |
02/03/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 304476743 | 33328742 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | xxxx | xxxx |
02/07/2025 | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 304494177 | 33328751 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | xxxx | xxxx |
02/27/2025 | 1 | C | A | C | A | C | A | C | A | C | A | IA | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 304476875 | 33328752 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. | xxxx | xxxx |
03/03/2025 | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 304476875 | 33328753 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Appraisal provided reflects a different company as the lender. Exception approval is found on UW Narrative. Appraisal transfer letter and proof of paid invoice required by the exception approval are provided. | xxxx |
02/07/2025 | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 304494224 | 33328756 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Appraisal provided reflects a different company as the lender. Exception approval is found on UW Narrative. Appraisal transfer letter and proof of paid invoice required by the exception approval are provided. | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 304494224 | 33328757 | Credit | Credit | Credit Eligibility | Credit | Borrower has active Tradelines which are less than the minimum required by guidelines. | - Active Tradelines: ___ | xxxx | xxxx |
02/26/2025 | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||
| 304494168 | 33328759 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | xxxx | xxxx |
02/21/2025 | 1 | C | A | C | A | C | A | C | A | C | A | MS | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 304481071 | 33328770 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | xxxx | xxxx |
03/05/2025 | 1 | C | A | C | A | C | A | C | A | C | A | MO | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 304510486 | 33328779 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
03/03/2025 | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 304635794 | 33328802 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | - | xxxx | xxxx |
02/21/2025 | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Purchase | C | A | A | A | C | A | N/A | No | ||||||||||||
| 304635773 | 33328807 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | xxxx | xxxx |
02/26/2025 | 1 | C | A | C | A | C | A | C | A | D | A | MI | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | |||||||||||||
| 304635756 | 33328813 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | xxxx | xxxx |
03/06/2025 | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 304632328 | 33328843 | Credit | Document Inventory | General | Document Inventory | Final Inspection / 442 does not reflect all required repairs or property completion requirements. | xxxx | xxxx |
03/03/2025 | 1 | C | A | C | A | C | A | C | A | C | A | IN | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 304632359 | 33328845 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided | xxxx | xxxx |
02/20/2025 | 1 | D | A | D | A | D | A | D | A | D | A | OH | Investment | Refinance - Cash-out - Other | D | B | D | B | A | A | N/A | No | |||||||||||||
| 304632359 | 33328846 | Credit | Credit | Credit Eligibility | Credit | Borrower has active Tradelines which are less than the minimum required by guidelines. | - Active Tradelines: ___ | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |
Guidelines Representative FICO: 680 Representative FICO: 789 Reserves: 39.91 Guideline Requirement: 6.00 |
Originator,SitusAMC Originator,SitusAMC |
xxxx |
02/26/2025 | 2 | C | B | C | B | C | B | C | B | C | B | OH | Investment | Refinance - Cash-out - Other | D | B | D | B | A | A | N/A | No | |||||||||
| 304635688 | 33328848 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Exception on tape. Subject appraised value of $xxxx is less than $75,000 minimum required. Exception is approved for the property value with comp factor of 721 FICO, DSCR > 2.00 and 12 months reserves. All comp factor requirements are met. The exception approval also indicates the settlement issue reflected on the appraisal must be addressed. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Debt Service Coverage Ratio: 2.05 Guideline Requirement: 1.00 Guidelines Representative FICO: 680 Representative FICO: 721 |
SitusAMC Originator,SitusAMC Originator,SitusAMC |
xxxx |
02/28/2025 | 2 | C | B | C | B | C | B | C | B | C | B | MS | Investment | Purchase | D | B | D | B | A | A | N/A | No | ||||||||||
| 304635688 | 33328849 | Credit | Document Inventory | General | Document Inventory | Final Inspection / 442 does not reflect all required repairs or property completion requirements. | xxxx | xxxx |
03/03/2025 | 1 | C | A | C | A | C | A | C | A | C | A | MS | Investment | Purchase | D | B | D | B | A | A | N/A | No | |||||||||||||
| 304635688 | 33328850 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | xxxx | xxxx |
02/24/2025 | 1 | C | A | C | A | C | A | C | A | D | A | MS | Investment | Purchase | D | B | D | B | A | A | N/A | No | |||||||||||||
| 304635766 | 33328852 | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal | xxxx | xxxx |
02/26/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Refinance - Rate/Term | C | A | A | A | C | A | N/A | No | |||||||||||||
| 304635749 | 33328862 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | xxxx | xxxx |
03/04/2025 | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 304635804 | 33328877 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | xxxx | xxxx |
02/26/2025 | 1 | C | A | C | A | C | A | C | A | C | A | OK | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 304442372 | 33337724 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | xxxx | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Loan to Value: 50.79365% Guideline Maximum Loan to Value: 70.00000 Guidelines Representative FICO: 660 Representative FICO: 732 |
SitusAMC SitusAMC |
xxxx |
01/30/2025 | 2 | C | B | C | B | C | B | C | B | C | B | NY | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||
| 304457445 | 33337740 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided | The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 680 Representative FICO: 773 |
SitusAMC | xxxx |
01/28/2025 | 2 | C | B | C | B | C | B | C | B | C | B | GA | Investment | Refinance - Rate/Term | D | B | D | B | A | A | N/A | No | |||||||||||
| 304457445 | 33337741 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | xxxx | xxxx |
02/21/2025 | 1 | C | A | C | A | C | A | C | A | D | A | GA | Investment | Refinance - Rate/Term | D | B | D | B | A | A | N/A | No | |||||||||||||
| 304457445 | 33337742 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of ___ is less than Cash From Borrower ___. | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 680 Representative FICO: 773 |
SitusAMC | xxxx |
12/24/2024 | 2 | C | B | C | B | C | B | C | B | C | B | GA | Investment | Refinance - Rate/Term | D | B | D | B | A | A | N/A | No | |||||||||
| 304457445 | 33337743 | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | Calculated Available for Reserves of ___ is less than Guideline Available for Reserves of ___. | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 680 Representative FICO: 773 |
SitusAMC | xxxx |
12/24/2024 | 2 | C | B | C | B | C | B | C | B | C | B | GA | Investment | Refinance - Rate/Term | D | B | D | B | A | A | N/A | No | |||||||||
| 304457445 | 33337744 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 680 Representative FICO: 773 |
SitusAMC | xxxx |
12/24/2024 | 2 | D | B | D | B | D | B | D | B | D | B | GA | Investment | Refinance - Rate/Term | D | B | D | B | A | A | N/A | No | ||||||||||
| 304457445 | 33337745 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Signed credit authorization is required from 100% of the entity owners allowing the lender to obtain credit reports and background checks. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 680 Representative FICO: 773 |
SitusAMC | xxxx |
12/24/2024 | 2 | C | B | C | B | C | B | C | B | C | B | GA | Investment | Refinance - Rate/Term | D | B | D | B | A | A | N/A | No | ||||||||||
| 304467126 | 33369931 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided | xxxx | xxxx |
01/23/2025 | 1 | D | A | D | A | D | A | D | A | D | A | MD | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | |||||||||||||
| 304671254 | 33410098 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Exception on tape. Appraisal reflects deferred maintenance for basement flooring shows signs of moisture and delamination, the garage window is missing, the rec room ceiling showed signs of a prior leak with cost to cure of $xxxx. HUD-1 reflects holdback of $xxxx (150% of the cost to cure). Appraisal also indicates water was off during inspection and it was unknow if the hot water tank is working, and there was no stove. Exception is approved for the escrow amount which exceeds 3% permitted by guidelines. This is a guidelines violation exception. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Debt Service Coverage Ratio: 1.61 Guideline Requirement: 1.00 Guidelines Representative FICO: 680 Representative FICO: 800 |
Originator,SitusAMC Originator,SitusAMC |
xxxx |
10/09/2024 | 2 | B | B | B | B | B | B | B | B | B | B | OH | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||
| 304671254 | 33410099 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided | xxxx | xxxx |
10/19/2024 | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||
| 304671254 | 33410100 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | xxxx | xxxx |
10/19/2024 | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||
| 304671254 | 33410101 | Credit | Document Inventory | General | Document Inventory | Final Inspection / 442 does not reflect all required repairs or property completion requirements. | xxxx | xxxx |
11/04/2024 | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||
| 304671236 | 33410105 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided | xxxx | xxxx |
11/12/2024 | 1 | D | A | D | A | D | A | D | A | D | A | OH | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | |||||||||||||
| 304671236 | 33410106 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Subject is a refinance transaction. The vested owner on title is xxxx, not the borrowing entity. Please provide documentation to verify the guarantor's ownership in xxxx in order to verify continuous ownership in the borrowing entity. | xxxx |
01/24/2025 | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | |||||||||||||
| 304671227 | 33410108 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided | xxxx | xxxx |
11/14/2024 | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 304671227 | 33410109 | Credit | Guideline | Guideline Issue | Guideline | Experience level does not meet the guideline requirements for an experienced investor. | xxxx | xxxx |
11/16/2024 | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 304671227 | 33410110 | Credit | Guideline | Guideline Issue | Guideline | Ineligible borrower per guidelines. | xxxx | xxxx |
04/24/2025 | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 304671227 | 33410111 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | xxxx | xxxx |
04/24/2025 | 1 | A | A | A | A | A | OH | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||||||
| 304494197 | 33410116 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Citizenship was not provided | xxxx | xxxx |
04/01/2025 | 1 | B | A | B | A | B | A | B | A | B | A | VA | Investment | Purchase | B | A | B | A | A | A | N/A | No | |||||||||||||
| 304471406 | 33410118 | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | - | xxxx | xxxx |
04/09/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CT | Investment | Refinance - Rate/Term | D | A | D | A | A | A | N/A | No | ||||||||||||
| 304471406 | 33410119 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | xxxx | xxxx |
04/09/2025 | 1 | C | A | C | A | C | A | C | A | D | A | CT | Investment | Refinance - Rate/Term | D | A | D | A | A | A | N/A | No | |||||||||||||
| 304677012 | 33410146 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | xxxx | xxxx |
03/28/2025 | 1 | C | A | C | A | C | A | C | A | C | A | WV | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 304681455 | 33410159 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | xxxx | xxxx |
04/03/2025 | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 304681510 | 33410164 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | xxxx | xxxx |
04/07/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||
| 304681441 | 33410182 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | xxxx | xxxx |
04/11/2025 | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 304681441 | 33410183 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Reserves: 102.66 Guideline Requirement: 12.19 Guidelines Representative FICO: 680 Representative FICO: 790 |
SitusAMC SitusAMC |
xxxx |
04/11/2025 | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||
| 304681512 | 33410212 | Credit | Missing Document | General | Missing Document | Missing Document: Arbitration Agreement not provided | xxxx | xxxx |
04/07/2025 | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 304682583 | 33410224 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Exception on tape. Seller acquired property xxxx for $xxxx which is less than 6 months from Note date. Exception is approved to allow $xxxx purchase price which exceeds max allowed $xxxx. The seller acquired the property through foreclosure. Relationship report indicates the borrower and seller are not related. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Debt Service Coverage Ratio: 1.53 Guideline Requirement: 1.00 Guidelines Representative FICO: 680 Representative FICO: 800 |
SitusAMC Originator,SitusAMC Originator,SitusAMC |
xxxx |
04/04/2025 | 2 | B | B | B | B | B | B | B | B | B | B | MO | Investment | Purchase | B | B | B | B | A | A | N/A | No | ||||||||||
| 304676980 | 33410230 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Appraisal reflects a different lender. Appraisal transfer letter is provided. Exception approval for the transferred appraisal is found on the UW Narrative and proof of paid invoice required by the exception approval is also provided. | xxxx |
04/08/2025 | 1 | C | A | C | A | C | A | C | A | C | A | MO | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||
| 304682628 | 33410234 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Appraisal reflects a different lender. Appraisal transfer letter is provided. Exception approval for the transferred appraisal is found on the UW Narrative and proof of paid invoice required by the exception approval is also provided. | xxxx |
04/08/2025 | 1 | C | A | C | A | C | A | C | A | C | A | MO | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||
| 304681592 | 33410238 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | xxxx | xxxx |
04/07/2025 | 1 | C | A | C | A | C | A | C | A | D | A | MI | Investment | Purchase | D | A | D | A | A | A | N/A | No | |||||||||||||
| 304681610 | 33410241 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | xxxx | xxxx |
04/09/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 304681427 | 33410246 | Credit | Guideline | Guideline Issue | Guideline | Aged document: Asset Account date is more than 90 days prior to Closing. | - | xxxx | xxxx |
04/10/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||
| 304681643 | 33410253 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | xxxx | xxxx |
04/09/2025 | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 304681643 | 33410254 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | xxxx | xxxx |
04/10/2025 | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 304682444 | 33410260 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Appraisal provided reflects a different company than the lender. Appraisal transfer letter and paid invoice is provided. The lender's exception approval was provided. | xxxx |
04/09/2025 | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 304682567 | 33410282 | Credit | Borrower and Mortgage Eligibility | Borrower Eligibility | Borrower and Mortgage Eligibility | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. | - | xxxx | xxxx |
04/09/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||
| 304682512 | 33410329 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | xxxx | xxxx |
04/15/2025 | 1 | C | A | C | A | C | A | C | A | C | A | RI | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 304682735 | 33410337 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided | xxxx | xxxx |
04/14/2025 | 1 | D | A | D | A | D | A | D | A | D | A | TN | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | |||||||||||||
| 304498286 | 33437262 | Compliance | Compliance | State Compliance | State Defect | Maryland SB270 Prepayment Penalty Test 2009 Investment Test | Maryland SB270: Mortgage loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. | xxxx |
03/14/2025 | 2 | B | B | B | B | B | B | B | B | B | B | MD | Investment | Refinance - Cash-out - Other | D | B | C | B | D | B | A | A | N/A | No | |||||||||||
| 304498286 | 33437263 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | xxxx | xxxx |
03/19/2025 | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Refinance - Cash-out - Other | D | B | C | B | D | B | A | A | N/A | No | |||||||||||
| 304498286 | 33437264 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | xxxx | xxxx |
04/01/2025 | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Refinance - Cash-out - Other | D | B | C | B | D | B | A | A | N/A | No | |||||||||||
| 304498286 | 33437265 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Require current lease must be supported with two most recent bank statements (X/XX & X/XX). Verified xxxx lease deposit so require recent xxxx lease deposit. | xxxx |
04/01/2025 | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Refinance - Cash-out - Other | D | B | C | B | D | B | A | A | N/A | No | |||||||||||
| 304498286 | 33437267 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of ___ does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) ___. | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |
774 vs 720 | SitusAMC,Aggregator SitusAMC |
xxxx |
04/04/2025 | 2 | C | B | C | B | C | B | C | B | C | B | MD | Investment | Refinance - Cash-out - Other | D | B | C | B | D | B | A | A | N/A | No | |||||||
| 304498286 | 33437268 | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided | xxxx | xxxx |
04/01/2025 | 1 | D | A | D | A | D | A | D | A | D | A | MD | Investment | Refinance - Cash-out - Other | D | B | C | B | D | B | A | A | N/A | No | |||||||||||
| 304643516 | 33437284 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Borrower name as per appraisal report is xxxx and the Note reflects xxxx. | xxxx |
04/02/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| 304643516 | 33437285 | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state | xxxx |
03/26/2025 | 2 | B | B | B | B | B | B | B | B | B | B | NY | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| 304643516 | 33437286 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note Error: Note grace period days less than minimum per state | xxxx |
03/26/2025 | 2 | B | B | B | B | B | B | B | B | B | B | NY | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| 304637098 | 33437303 | Credit | Credit | Miscellaneous | Credit | A copy of Asset Verification Report is not on file. | xxxx | xxxx |
04/09/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| 304681097 | 33437311 | Credit | Credit | Miscellaneous | Credit | A copy of Asset Verification Report is not on file. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The representative FICO score exceeds the guideline minimum by at least 40 points. |
91 vs 3 | SitusAMC,Aggregator SitusAMC |
xxxx |
04/17/2025 | 2 | C | B | C | B | C | B | C | B | C | B | NY | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | No | ||||||||
| 304678003 | 33437313 | Compliance | Compliance | State Compliance | State Defect | Maryland SB270 Prepayment Penalty Test 2009 Investment Test | Maryland SB270: Mortgage loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. | xxxx |
04/07/2025 | 2 | B | B | B | B | B | B | B | B | B | B | MD | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| 304678003 | 33437314 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Refinance requires a lease. Not provided. allows for : . Vacancies accepted with sufficient LOE (tenant turnover, recent rehab of subject, etc.), with supporting documentation (inspection, COO, active MLS rental listing, etc.). Also not provided. |
xxxx |
04/09/2025 | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| 304675692 | 33437331 | Compliance | Compliance | State Compliance | State Defect | Maryland SB270 Prepayment Penalty Test 2009 Investment Test | Maryland SB270: Mortgage loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. | xxxx |
04/09/2025 | 2 | B | B | B | B | B | MD | Investment | Refinance - Cash-out - Other | A | B | A | A | A | B | A | A | N/A | No | ||||||||||||||||
| 304457434 | 33437341 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | xxxx | xxxx |
03/29/2025 | 1 | C | A | C | A | C | A | C | A | C | A | DE | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 304676179 | 33437347 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | - | xxxx | xxxx |
04/16/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||
| 304676179 | 33437348 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. | xxxx | xxxx |
04/21/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| 304676179 | 33437349 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. | xxxx | xxxx |
04/21/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| 304683353 | 33437357 | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided | xxxx | xxxx |
04/21/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| 304683353 | 33437358 | Credit | Credit | Miscellaneous | Credit | A copy of Asset Verification Report is not on file. | xxxx | xxxx |
04/17/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| 304678784 | 33437370 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided | xxxx | xxxx |
04/25/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | Yes |