Exhibit 99.6
EXHIBIT 99.6 CLAYTON CONDITIONS REPORT 2.0
| Client Name: | |||||
| Client Project Name: | SEMT 2025-7 | ||||
| Start - End Dates: | 2/3/2025 - 6/24/2025 | ||||
| Deal Loan Count: | 132 | ||||
| Conditions Report 2.0 | |||||
| Loans in Report: | 132 | ||||
| Loans with Conditions: | 107 | ||||
| 12 - Total Active Conditions | ||||||
| 10 - Material Conditions | ||||||
| 3 - Credit Review Scope | ||||||
| 1 - Category: DTI | ||||||
| 2 - Category: Income/Employment | ||||||
| 7 - Compliance Review Scope | ||||||
| 2 - Category: Ability to Repay/Qualified Mortgage | ||||||
| 2 - Category: Right of Rescission | ||||||
| 3 - Category: TILA/RESPA Integrated Disclosure | ||||||
| 2 - Non-Material Conditions | ||||||
| 2 - Credit Review Scope | ||||||
| 1 - Category: DTI | ||||||
| 1 - Category: Income/Employment | ||||||
| 198 - Total Satisfied Conditions | ||||||
| 66 - Credit Review Scope | ||||||
| 1 - Category: Ability to Repay/Qualified Mortgage | ||||||
| 6 - Category: Assets | ||||||
| 8 - Category: Credit/Mtg History | ||||||
| 7 - Category: DTI | ||||||
| 27 - Category: Income/Employment | ||||||
| 3 - Category: Insurance | ||||||
| 3 - Category: Legal Documents | ||||||
| 9 - Category: Terms/Guidelines | ||||||
| 2 - Category: Title | ||||||
| 6 - Property Valuations Review Scope | ||||||
| 5 - Category: Appraisal | ||||||
| 1 - Category: FEMA | ||||||
| 126 - Compliance Review Scope | ||||||
| 5 - Category: Ability to Repay/Qualified Mortgage | ||||||
| 6 - Category: Compliance Manual | ||||||
| 2 - Category: Documentation | ||||||
| 7 - Category: RESPA | ||||||
| 1 - Category: State Consumer Protection | ||||||
| 105 - Category: TILA/RESPA Integrated Disclosure | ||||||
| 17 - Total Waived Conditions | ||||||
| 13 - Credit Review Scope | ||||||
| 1 - Category: Assets | ||||||
| 2 - Category: Credit/Mtg History | ||||||
| 5 - Category: Income/Employment | ||||||
| 5 - Category: Terms/Guidelines | ||||||
| 4 - Compliance Review Scope | ||||||
| 3 - Category: RESPA | ||||||
| 1 - Category: Right of Rescission | ||||||
©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.
| Client Name: | |||
| Client Project Name: | SEMT 2025-7 | ||
| Start - End Dates: | 2/3/2025 - 6/24/2025 | ||
| Deal Loan Count: | 132 | ||
| Conditions Report 2.0 | |||
| Loans in Report: | 132 | ||
| Loans with Conditions: | 107 | ||
| Loan Number | Original Principal Balance | State | Initial Lender ATR/QM Status | Loan Level ATR/QM Status | Initial Securitization Overall Loan Grade | Final Securitization Overall Loan Grade | Initial Securitization Credit Loan Grade | Final Securitization Credit Loan Grade | Initial Securitization Property Valuations Loan Grade | Final Securitization Property Valuations Loan Grade | Initial Securitization Compliance Loan Grade | Final Securitization Compliance Loan Grade | Initial S&P Overall Loan Grade | Final S&P Overall Loan Grade | Initial S&P Credit Loan Grade | Final S&P Credit Loan Grade | Initial S&P Property Valuations Loan Grade | Final S&P Property Valuations Loan Grade | Initial S&P Compliance Loan Grade | Final S&P Compliance Loan Grade | Condition Category | Condition Sub Category | Condition Status | Initial Securitization Condition Grade | Final Securitization Condition Grade | Initial S&P Condition Grade | Final S&P Condition Grade | Condition Code | Condition Description | Condition Material Indicator | Initial Comments | Client/Seller Response Comments | Conclusion Comments | TRID Error Type | Cure Method | Compensating Factors |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | CMPMAN2956 | Missing disclosure | No | Per the Tracking History in file, it appears the following CD's are missing: XXX, XXX and XXX. If applicable, provide all missing CD's along with any corresponding COC's and/or Rate Locks. | 02/05/2025 Client provided missing CD;s XXX, XXX and XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score of XXX is XX points above the minimum required score of XXX. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%. CFCFS1735: Co-Borrower has significant time at current job - xxx Comments: Co-borrower has been with current employer since XXX CFCFS1737: LTV below guideline requirements - xxx Comments: XX% LTV is XXX% below the maximum allowable LTV of XXX%. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | File contains only the Final XXX CD. Provide the missing Initial CD for further testing. | 02/05/2025 Client provided missing Initial CD XXX | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score of XXX is XX points above the minimum required score of XXX. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%. CFCFS1735: Co-Borrower has significant time at current job - xxx Comments: Co-borrower has been with current employer since XXX CFCFS1737: LTV below guideline requirements - xxx Comments: XX% LTV is XXX% below the maximum allowable LTV of XXX%. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | File contains only the Final XXX CD. Provide the missing Initial CD for further testing. | 02/05/2025 Client provided missing Initial CD XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score of XXX is XX points above the minimum required score of XXX. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%. CFCFS1735: Co-Borrower has significant time at current job - xxx Comments: Co-borrower has been with current employer since XXX CFCFS1737: LTV below guideline requirements - xxx Comments: XX% LTV is XXX% below the maximum allowable LTV of XXX%. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3640 | TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No | Zero Tolerance testing failed by $XXX due to the following fee increases/additions on the Final XXX CD: Points increased by $XXX, Appraisal increased by $XXX and Inspection added in Section B for $XXX. The Final CD reflects a $XXX cure for the Appraisal increase, however file is missing valid COC's/Revised CD's for the Points and Inspection fees. Provide the missing COC's/CD's for further testing, or provide borrower with a refund of $XXX, Post CD with increased cure, LOE and proof of delivery that includes tracking information. | 02/05/2025 Client provided missing CD's XXX, XXX and XXX. Condition remains. Provide COC that gives details of why the changes were made for review or PCCD with additional $XXX cure, copy of cure check, LOE to borrower and evidence of delivery via tracking. 02/10/25 Client provided an Email from the Lender with a screen shot of the Lock History showing the Discount Point increase due to the Lock Extension on XXX. Points increase occurred on the XXX CD. Email also reflects a XXX screen shot for the approval of an escrow holdback which results in the Inspection Fee addition on the XXX CD, however per the Event History in file, the Appraisal was received on XXXX (subject-to repairs). The addition of the Inspection Fee on XXX was not timely. Borrower is due a refund of $XXX, Post CD with increased tolerance cure, LOE and proof of delivery that includes tracking information.02/11/25 Client provided another Email from the Lender with a screen shot of the Appraisal section showing the "subject to inspection of the basement". Per XXX, the added Inspection Fee is valid. Once inspected (XXX structural inspection requirement), the file contains a XXX escrow holdback exception approval for the repair work to be done with a standard reinspection required. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score of XXX is XX points above the minimum required score of XXX. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%. CFCFS1735: Co-Borrower has significant time at current job - xxx Comments: Co-borrower has been with current employer since XXX CFCFS1737: LTV below guideline requirements - xxx Comments: XX% LTV is XXX% below the maximum allowable LTV of XXX%. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | XXX Percent Tolerance testing failed by $XXX due to the Recording Fee increase on the Final XXX CD without any valid COC in file. Provide the missing COC for review, or provide borrower with a refund of $XXX, Post CD with increased cure, LOE and proof of delivery that includes tracking information. | 02/05/2025 Client provided missing CD's XXX, XXX and XXX Condition remains. Provide COC that gives details of why the changes were made for review or PCCD with additional $XXX cure, copy of cure check, LOE to borrower and evidence of delivery via tracking. 02/10/25 Client provided an Email from the Lender along with a screen shot reflecting the XXX Power of Attorney approval which resulted in the increased Recording fee on the XXX CD. Re-testing results in no violation. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score of XXX is XX points above the minimum required score of XXX. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%. CFCFS1735: Co-Borrower has significant time at current job - xxx Comments: Co-borrower has been with current employer since XXX CFCFS1737: LTV below guideline requirements - xxx Comments: XX% LTV is XXX% below the maximum allowable LTV of XXX%. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Credit | Terms/Guidelines | Satisfied | D | A | D | A | CRDTER2548 | Missing AUS or AUS errors present | No | File is missing AUS findings with an Approve/Ineligible -or- Eligible for High Balance due to loan amount. | 2.6.2025 Client provided DU AUS Submission XXX Approve/Ineligible dated XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%. CFCFS1735: Co-Borrower has significant time at current job - xxx Comments: Co-borrower has been with current employer since XXX CFCFS1737: LTV below guideline requirements - xxx Comments: 50% LTV is XXX% below the maximum allowable LTV of XXX%. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR275 | Completed "Subject To" w/o Completion Cert in File | No | Appraisal made subject to inspection of the basement, as noting there is water / moisture on the cement floor; near air handler, see photos. Provide inspection report with adequately address the specific problem. | The "inspection" document provided merely is a detailed and descriptive list of all the most common property components, without any specific answer to the condition as noted. Exception remains.2.10.2025 Client provided email stating the EH is outstanding and is being used for the repair of the basement moisture. Condition remains missing evidence of escrow holdback $XXX being released along with 1004D (from appraiser) with work being completed, as reflected on CD transaction having Escrow holdback of $XXX3.4.2025 Client provided exception approval for missing evidence of escrow hold back of $XXX being released along with missing 1004d with work being completed 4.18.2025 Client provided 1004D of completion of Sump pump work being completed, still missing evidence of escrow holdback being released. Condition remains Note: Invoice from XXX says balance due of $XXX and escrow hold back is $XXX and will need to verify paid in full. 4/29 Client provided evidence of payment and release of escrow | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%. CFCFS1735: Co-Borrower has significant time at current job - xxx Comments: Co-borrower has been with current employer since XXX CFCFS1737: LTV below guideline requirements - xxx Comments: 50% LTV is XXX% below the maximum allowable LTV of XXX%. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | RESPA | Satisfied | B | A | B | A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Provide the missing Affiliate Business Disclosure. | 04/14/25 Client provided a signed LOE from the Lender stating they do not have affiliated business arrangements that are used on any mortgage transactions. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX mo.. 0x30 mortgage payment history; 0x30x24 required. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; max XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX*XXX + REO $XXX*XXX= $XXX reserves required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | File is missing the Initial CD. Provide the Initial CD with confirmed receipt for further testing. | 04/14/25 Client provided the Initial XXX CD and Tracking. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX mo.. 0x30 mortgage payment history; 0x30x24 required. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; max XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX*XXX + REO $XXX*XXX= $XXX reserves required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | File is missing the Initial CD. Provide the Initial CD with confirmed receipt for further testing. | 04/14/25 Client provided the Initial XXX CD and Tracking. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX mo.. 0x30 mortgage payment history; 0x30x24 required. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; max XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX*XXX + REO $XXX*XXX= $XXX reserves required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3966 | TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected | No | Final and Post CD's: Neither box is checked in the Non-escrow section. Provide an LOE and corrected Post CD. | 04/15/25 Client provided an LOE to borrower and corrected XXX PCCD. | Condition Satisfied. | Non-Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX mo.. 0x30 mortgage payment history; 0x30x24 required. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; max XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX*XXX + REO $XXX*XXX= $XXX reserves required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Income/Employment | Waived | B | B | B | B | CRDINC126 | Length of employment/self-employment does not meet guidelines | No | Borrower has only been working in the US XXX months | 6/16 Client provided an approved exception to allow the file with XXX months US employment | xxx final grade is B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - xxx Comments: DTI XXX% CFCFS1737: LTV below guideline requirements - xxx Comments: LTV XXX% CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Reserves $XXX or XXX months |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Terms/Guidelines | Waived | A | B | A | B | CRDTER3654 | Borrower(s) do not meet guideline requirements for citizenship status | No | Borrower is a Non permanent Resident Alien with less than XXX months employment | 6/18 Client provided an approved exception to allow the file with a NON Perm resident having less than XXX months US employment | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; LTV below GLs, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - xxx Comments: DTI XXX% CFCFS1737: LTV below guideline requirements - xxx Comments: LTV XXX% CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Reserves $XXX or XXX months |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER110 | Loan amount exceeds guideline maximum | No | $XXX loan amount exceeds the max of $XXX allowed for a second home rate term refinance. | 4.24.2025 Client provided exception approval for loan amount $XXX exceeding guidelines maximum of $XXX for 2nd Home Waiver not applied, missing evidence business has been dissolved or CPA Letter verifying. 4/30 Client provided a SOS search showing no business found; Response; a SOS search is insufficient evidence the Business has been dissolved; provide CPA letter or dissolution papers 5/14 Client provided an Email that all paperwork and fees to dissolve have been paid to the State but the Borrower has not yet received the evidence of dissolution" Condition remains for evidence the business has been dissolved from the State of third party CPA5.28.2025 Client provided SOS of Delaware verifying dissolution of business: XXX and XXX Client provided exception approval for loan amount exceeding guidelines maximum for 2nd home rate/term refinance | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; XXX% max allowed. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score; XXXrequired. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Verified reserves of $XXX; total reserves required $XXX. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | Compliance | Compliance Manual | Satisfied | D | A | D | A | CMPMAN2956 | Missing disclosure | No | Per Change of Circumstances, file is missing LE XXX and CD XXX. Provide copies of all Loan Estimates and Closing Disclosures as applicable. | 06/09/25 Client provided the missing XXX LE and XXX CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - xxx Comments: Borrower has XXX Years at Current Residence CFCFS2854: Significant time in profession - xxx Comments: Borrower has XXX Years in Current Profession CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in the amount of $XXX as Extension Fees were added without documents to support additional fees. File is missing Revised CD dated XXX to match increase in lock fees from COC dated XXX. Condition is pending receipt of Missing CD/CDs; additional conditions may apply. | 06/09/25 Client provided the missing XXX LE and XXX CD. Condition remains. The XXX COC indicates a XXX% charge to borrower for the Lock Extension on the XXX CD ($XXX Extension Fee), however there was a second Extension Fee of $XXX also added to this CD. This additional fee increased to $XXX at Closing. Unable to determine reason for this second Extension Fee added on XXX. Borrower is due a refund of $XXX, PCCD with cure, LOE and proof of delivery with Tracking.06/12/25 Client provided a duplicate copy of the XXX COC that reflects the XXX% charge for the lock extension ($XXX). Condition remains. There was a second Extension Fee of $XXX also added to this CD. This additional fee increased to $XXX at Closing. Unable to determine reason for this second Extension Fee added on XXX. Borrower is due a refund of $XXX, PCCD with cure, LOE and proof of delivery with Tracking.06/17/25 Client provided anotherXXX COC with LOE from Lender stating this loan was extended twice in the timeframe of XXX-XXX and both were captured on the XXX CD, however the close inadvertently missed updating the COC notes to show both. Condition remains. Due to error, provide the lock documentation showing the dates they were changed and the dates of the extension for review.06/24/25 Client provided a XXX PCCD with a $XXX tolerance credit, LOE to Borrower and shipping label. Condition remains. Tracking shows only the label has been created and the refund check was missing. Provide the check and proof of shipment.06/25/25 Client provided the refund check. Re-tracking still results in no shipment. Condition remains for the proof of shipment. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - xxx Comments: Borrower has XXX Years at Current Residence CFCFS2854: Significant time in profession - xxx Comments: Borrower has XXX Years in Current Profession CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fees that should be disclosed in Sections E & H are not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV below guideline requirements of XXX% per program. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI below guideline requirement of XXX%. CFCFS5269: Minimal use of credit - xxx Comments: Borrowers are very conservative credit users; minimal outstanding debt. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - xxx Comments: Borrower has been in the same profession for XXX years. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXmo. 0x30 mortgage payment history; 0x30x24 required. CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; max XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX*XXX+ REO $XXX*XXX= $XXX reserves required. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; max XXX%. | |||||||||||||||
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees were able to be sourced from the sellers CD document. Consistent with the SFA Trid Grid, we are satisfying to 1/A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS2854: Significant time in profession - xxx Comments: Borrower has XXX Years in Current Profession CFCFS1736: Significant time at current residence - xxx Comments: Borrower has XX Years at Current Residence CFCFS1741: Credit score exceeds guidelines - xxx Comments: High Credit XXX Guidelines allow XXX |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Unable to test a loan product due to missing initial CD in file. | 05/16/25 Client provided the missing XXX Initial CD. Tracking in file. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - xxx Comments: Borrower has XXX Years in Current Profession CFCFS1736: Significant time at current residence - xxx Comments: Borrower has XX Years at Current Residence CFCFS1741: Credit score exceeds guidelines - xxx Comments: High Credit XXX Guidelines allow XXX |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | CD XXX is the only CD in file. Missing initial CD acknowledged by borrower min XXX days prior to closing date. | 05/16/25 Client provided the missing XXX Initial CD. Tracking in file. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - xxx Comments: Borrower has XXX Years in Current Profession CFCFS1736: Significant time at current residence - xxx Comments: Borrower has XX Years at Current Residence CFCFS1741: Credit score exceeds guidelines - xxx Comments: High Credit XXX Guidelines allow XXX |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC3258 | Missing Profit and Loss statement for one or more Self Employed borrowers | No | Provide XXX Profit and Loss from XXX and XXX | 6/9 Client provided a P&L from XXX; still missing the XXX P&L from XXX6.24.2025 Client provided copy of end of year XXX P/L for XXX supporting income on 1003 being used by Lender | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - xxx Comments: Borrower has XXX Years in Current Profession CFCFS1736: Significant time at current residence - xxx Comments: Borrower has XX Years at Current Residence CFCFS1741: Credit score exceeds guidelines - xxx Comments: High Credit XXX Guidelines allow XXX |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Credit | Terms/Guidelines | Satisfied | D | A | D | A | CRDTER2548 | Missing AUS or AUS errors present | No | Missing DU/AUS | Client provided DUAI XXX | Satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - xxx Comments: Borrower has XXX Years in Current Profession CFCFS1736: Significant time at current residence - xxx Comments: Borrower has XX Years at Current Residence CFCFS1741: Credit score exceeds guidelines - xxx Comments: High Credit XXX Guidelines allow XXX |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing verification of HOA monthly payment of $XXX for investment property XXX | 5/12 Client provided HOA of $XXX | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV below guideline requirements of XXX% per program. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI below guideline requirement of XXX%. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; max XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX*XXX + REO $XXX*XXX= $XXX reserves required. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS2854: Significant time in profession - xxx Comments: The borrowers have been in their respective professions for XXX years. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. | |||||||||||||||
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | RESPA | Waived | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Missing Affiliate Business Disclosure | 05/22/25 Client provided an approved exception for the missing Affiliate Business Disclosure. | Initial and Final Grade B. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - xxx Comments: Borrower has XXX Years at Current Residence CFCFS2854: Significant time in profession - xxx Comments: Borrower has XXX Years in Current Profession CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Post-Closing Reserves of $ XXX as XXX months PITIA Guidelines require X months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1739: Positive mortgage payment history - xxx Comments: Borrowers have XXX months 0x30 on current mortgage CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI | |||||||||||||||
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC2488 | Verbal verification of employment missing | No | File is missing verification of the existence of co-borrowers XXX verified through a third-party source and no more than XXX calendar days prior to the Note date. | 5/21 Client provided the VVOE | Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - xxx Comments: Borrowers have owned the subject property for XXX years. CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been XXX with current business since XXX CFCFS1735: Co-Borrower has significant time at current job - xxx Comments: Co-borrower has been XXX with current business since XXX CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrowers have XXX months of PITI available in reserves; XXX months required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero Tolerance in amount of $XXX due to added Discount Points on a revised LE XXX with no COC in file and fee increased to total of $XXX on final CD XXX without a valid reasons documented in file. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 06/23/25 Client provided internal Workflow Notes from Lender reflecting the change in circumstance information: XXX Value Change (LTV) and XXX Lock Extension. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2860: Good credit history - xxx Comments: No derogatory credit history in the past XXX months. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX credit score exceeds guideline minimum of XXX. CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV is below guideline maximum of XXX% |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | This appears to be Delayed Refinancing. Provide HUD/CD from purchase of subject reflecting no financing obtained for the purchase of property Funds used to purchase the property are fully documented and sourced and must be the borrowers own funds (no gift funds or business funds | 6/18 Client provided the executed HUD, source of funds documented | Satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history - xxx Comments: No derogatory credit history in the past XXX months. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX credit score exceeds guideline minimum of XXX. CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV is below guideline maximum of XXX% |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Credit Report in the amount of $XXX was added on LE XXX with no valid COC in file. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 05/22/25 Client provided a XXX PCCD with $XXX tolerance cure Credit and LOE to Borrower. Condition remains for a copy of the refund check and the proof of delivery that includes tracking information.05/27/25 Client provided the refund check and proof of shipment. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; max XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX*XXX+ REOs $XXX*XXX= $XXX reserves required. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; max XXX%. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | D | A | C | B | D | B | A | A | D | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees were able to be sourced from the sellers CD document. Consistent with the SFA Trid Grid, we are satisfying to 1/A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | D | A | C | B | D | B | A | A | D | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Collateral Desk Analysis fee for $XXX added on LE XXX without a valid reason documented on COC XXX. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 05/28/25 Client provided a duplicate copy of the XXX COC and LE. Condition remains. Provide additional details about what change in circumstance occurred (based on title report per the COC) with supporting documentation from the time of the change for review.05/30/25 Client provided another XXX COC stating External Underwriting Loan Decision Sheet received and dated XXX requires CDA. Condition remains. This does not explain the change in circumstance that occurred. Provide valid change documentation OR provide borrower with a $XXX refund, PCCD with cure, LOE and proof of delivery that includes tracking.06/10/25 Client provided a XXX PCCD with cure, $XXX refund check, LOE and shipping label. Tracking shows only the label has been created. Condition remains for the proof of shipment.06/13/25 Client provided the proof of shipment. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | D | A | C | B | D | B | A | A | D | A | C | B | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing CDA desk review supporting appraisal value of $XXX due to LCA Risk XXX | 5.27.2025 Client provided 3rd party CDA valuation supporting appraised value with XXX% variance | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | D | A | C | B | D | B | A | A | D | A | C | B | Property Valuations | FEMA | Satisfied | C | A | C | A | PRVAFEMA217 | Natural Disaster Area, no subsequent inspection (Individual) | No | Missing PDI for FEMA disaster XXX Severe Storms, Tornadoes, Straight-line Winds, Flooding, Landslides, and Mudslides declared XXX; appraisal date XXX, prior to FEMA disaster. | 6/5 Client provided a XXX Post disaster inspection showing no damage to the subject property | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees were able to be sourced from the sellers CD document. Consistent with the SFA Trid Grid, we are satisfying to 1/A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Reserves$XXX or XXX months PITI CFCFS2854: Significant time in profession - xxx Comments: Borrower has XXX years in the same profession |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in amount of $XXX due to increased Transfer Tax fee with no valid reasons documented on COC XXX (loan amount nor sales price have changed). Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 06/26/25 Client provided a XXX PCCD with cure, refund check, LOE and proof of shipment. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Reserves$XXX or XXX months PITI CFCFS2854: Significant time in profession - xxx Comments: Borrower has XXX years in the same profession |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score; XXX required. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required. | |||||||||||||||
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job - xxx Comments: B1 at current employment XXX years CFCFS1744: DTI below guideline requirement - xxx Comments: DTI XXX% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Qualifying credit score XXX |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | Credit | Insurance | Satisfied | B | A | B | A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Missing RCE | 5/21 Client provided an RCE with sufficient coverage | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - xxx Comments: B1 at current employment XXX years CFCFS1744: DTI below guideline requirement - xxx Comments: DTI XXX% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Qualifying credit score XXX |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER110 | Loan amount exceeds guideline maximum | No | XXX Loan Amount Outside Of Guidelines And Is More Than $XXX Outside Of Guideline Maximum. Max loan amount for XXX % LTV is $XXX. Loan amount is $XXX | Approved XXX Exception Dated XXX for an Amount Outside Of Guidelines And Is More Than $XXX Outside Of Guideline Maximum. | Upon further review by Sr. Underwriter exception is deemed non material due to strong reserves | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: High Credit XXX Guidelines allow XXX CFCFS2854: Significant time in profession - xxx Comments: Borrower has XXX Years in Current Profession CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Post-Closing Reserves of $ XXX as XXX months PITIA Guidelines require XX months or $ XXX X XXX = $ XXX |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL2550 | Missing HUD-1 from sale of property | No | Missing HUD1, Final CD, or ALTA Settlement Statement verifying the sale XXX verifying net proceeds of $XXX. | 5/14 Client provided an estimated HUD unsigned dated XXX condition remains for Final HUD with net proceeds of $XXX5/23 Client provided the executed HUD | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Reserves XXX months PITIA. CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV below guideline requirements of XXX% per program. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | B | A | A | A | C | B | C | B | B | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | XXX% Tolerance Fee of $XXX due to increased Title fees on CD XXX with no valid reasons documented on COC XXX. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 05/16/25 Client provided a duplicate copy of the XXX COC. Condition remains. The COC does not reflect any valid change in circumstance reason for the increased fees (Title fees received is not a valid COC).05/21/25 Client provided a duplicate copy of the Final CD and the Final ALTA. Condition remains. The Final ALTA reflects $XXX for the Title-Lender's Title Insurance Fee (CD Value $XXX - Adjustment of $XXX), however a detailed LOE and a corrected PCCD is required. Provide the LOE detailing this change with a PCCD correcting the fee separation on page 2.05/23/25 Client provided the detailed LOE to borrower and the corrected XXX PCCD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - xxx Comments: B1 at current employment XXX years CFCFS1741: Credit score exceeds guidelines - xxx Comments: Qualifying credit score XXX CFCFS1735: Co-Borrower has significant time at current job - xxx Comments: Co borrower at current employment XXX years |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | B | A | A | A | C | B | C | B | B | A | A | A | C | B | Credit | Income/Employment | Satisfied | B | A | B | A | CRDINC3204 | Income Documentation Missing | No | Missing schedule C income worksheet for BXX | 5.15.2025 Client provided copy of 2024/2023 Schedule C 1040 however initial condition is regarding missing Lender Cash Flow Income Analysis for Schedule C calculation used for qualifying. Condition remains 5.20.2025 Client provided Lender Cash Flow Income Analysis for BXX Schedule C income | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - xxx Comments: B1 at current employment XXX years CFCFS1741: Credit score exceeds guidelines - xxx Comments: Qualifying credit score XXX CFCFS1735: Co-Borrower has significant time at current job - xxx Comments: Co borrower at current employment XXX years |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fees that should be disclosed in Sections C & H are not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; XXX% max allowed. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score; XXX required. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Verified reserves of $XXX; total reserves required $XXX. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final CD does not reflect all the required seller-paid fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; XXX% max allowed. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score; XXX required. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX months 0x30; XXX months required. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; XXX% max allowed. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been with current employer since XXX. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrower has $XXX available in reserves; $XXX in reserves required. | |||||||||||||||
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; max XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX * XXX+ REO $XXX * XXX = $XXX reserves required. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; max XXX%. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Provide XXX loan payment based on $XXX promissory note dated XXX and recalculate borrower's DTI. If DTI exceeds XXX% of XXX% DU will need to be rerun based on that new payment amount and DTI. Lender calculated note terms based on $XXX. | 6/6 Client provided updated DU with DTI of XXX which includes XXX payment | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; max XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been at the same job for XXXyears. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Credit | Credit/Mtg History | Satisfied | C | A | C | A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | Provide XXX loan payment based on $XXX promissory note dated XXX and recalculate borrower's DTI. If DTI exceeds XXX% of XXX% DU will need to be rerun based on that new payment amount and DTI. Lender calculated note terms based on $XXX. | 6/6 Client provided updated DU with DTI of XXX which includes XXX payment | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; max XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been at the same job for XXXyears. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | VOM reflecting 0x30 since XXX provided by borrower's mother due to a private "verbal handshake agreement (no note or mortgage) and only XXX months of bank statements provided to verify $XXX payments. 0x30x24 required. | 6/19 Client provided an approved exception to allow the file with a VOM on XXX loan with XXX months bank statements confirming payment | xxx final grade is B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; max XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been at the same job for XXXyears. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL2550 | Missing HUD-1 from sale of property | No | Missing Final/executed Sale HUD for the departure residence to verify required funds to close and reserves; HUD provided is marked Preliminary and is not signed or stamped by any party. | 6/12 Client provided the executed HUD with proceeds of $XXX | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; max XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been at the same job for XXXyears. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: High Credit XXX Guidelines allow XX CFCFS2854: Significant time in profession - xxx Comments: Borrower has XXX Years in Current Profession CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Post-Closing Reserves of $ XXX as XXX months PITIA Guidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D | A | D | A | CMPTRID5111 | TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No | LE XXX is e-signed by borrowers but a prior e-consent is missing in file. | 05/28/25 Client provided the missing E-Consents. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: High Credit XXX Guidelines allow XX CFCFS2854: Significant time in profession - xxx Comments: Borrower has XXX Years in Current Profession CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Post-Closing Reserves of $ XXX as XXX months PITIA Guidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX credit score exceed guideline of XXX CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV is below guideline of XXX% with a DTI of XXX% or less. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: XXX months cash reserves exceed guidelines of XXX months |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees and Realtor Commission listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Assets | Satisfied | C | A | C | A | CRDAST3036 | Assets reflect unsourced deposits | No | Provide documentation source for XXX XXX deposit in XXX# XXX . Subject to asset recalc and may be subject to additional conditions upon review. | 5.29.2025 Client provided last page of XXX #XXX XXX reflecting same in file $XXX deposit on XXX however initial condition requested documentation to source the $XXX6/4 Client provided an LOX; upon review the large deposit $XXX XXX was excluded | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | 1. Page 362 combined file reflects XXX # XXX, liquid funds of $XXX wired to closing XXX. No additional docs / statements in file.2. In file: XXX # XXX statements for XXX - XXX, with $XXX balance. Provide documentation these are the same accounts, or provide additional documentation for # 183 meeting guidelines, to fully source. Subject to asset/reserves recalc and may be subject to additional conditions upon review. | 5.29.2025 Client provided XXX #XXX XXX statement with balance of $XXX however missing most recent statement XXX supporting the liquid funds of $XXX wired to closing on XXX In addition, Client provided pg. 1 of #XXX XXX statement with balance of $XXX; condition remains for XXX#XXX more recent statement to support liquid funds of $XXX that was wired to closing on XXX; statement provided for #XXX do not support the wired liquid funds. 6/4 Client provided an LOX that the #XXX account was provided to show the borrower moved funds between accounts and the #XXX was not used for assets; Upon review the #XXX account is the source account for wire to closing condition remains for additional statement #XXX with sufficient funds for wire $XXX XXX6.16.2025 Client provided XXX#XXX statement dated XXX that support the liquid funds to close wire of $XXX given at closing. | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Note date XXXFTHB required most recent XXX month VOR.In file: XXX - XXXProvide VOR for XXX | 5.29.2025 Client provided Lender LOX stating per VOR in file Borrower paid from XXX - XXX. Condition remains for missing VOR for month of XXX which will cover XXX months. Possibly XXX is with prior VOR history. 5.30.2025 Client provided exception approval for missing additional XXX month VOR history to cover XXX months, XXX months verified and XXX months required, per guidelines. | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Income/Employment | Satisfied | B | A | B | A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Borrower is self employed 1120s.a. CPA VOE does not reflect start date. VOE page 204 combined file references link for State Registration, but no printout in file to support. Provide third party voe reflecting 1120s start date. May be subject to additional conditions upon review. | 5.29.2025 Client provided SOS dated XXX for XXX w/XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D | A | D | A | CMPTRID5111 | TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No | LEs and CD e-signed by borrower; however, there is no prior e-sign consent in file; by regulation, e-signed disclosures must be treated as not delivered. Provide e-Consent for borrower. | 06/13/25 Client provided the E-Consent. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score; XXX required. CFCFS2854: Significant time in profession - xxx Comments: XXX years, XXX months in profession. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | RESPA | Satisfied | B | A | B | A | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | List of homeowners counseling 10 organizations not in file | 06/09/25 Client provided a duplicate copy of the acknowledgment. Condition remains for the counseling list of organizations.06/12/25 Client provided the 10 List of Organizations. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score; XXX required. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Verified reserves of $XXX; total reserves required $XXX. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in amount of $XXX due to added 2nd Appraisal fee on LE XXX with no valid reasons documented on COC XXX. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 05/23/25 Client provided a duplicate copy of the XXX COC. Condition remains. The COC does not provide a valid change in circumstance explanation for why a Second Appraisal Fee was added.06/12/25 Client provided a XXX COC, LOE and PCCD reflecting a $XXX cure for the Second Appraisal and Desk Review. Condition remains. Provide a copy of the refund check and proof of shipment that includes tracking.06/23/25 Client provided the cure package with the refund check and proof of shipment. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score; XXX required. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Verified reserves of $XXX; total reserves required $XXX. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing evidence of HELOC with docs XXX Bank to support PITI with primary residence, subject to additional conditions | 6.19.2025 Client provided supplement verifying HELOC w/XXX Bank #XXX HELOC is $XXX balance on primary residence | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - xxx Comments: DTI XXX% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Qualifying credit score XXX |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC2488 | Verbal verification of employment missing | No | Missing 3rd party verification of employment for XXX, XXX. XXX, and XXX | 6.12.2025 Client provided SOS dated XXX for each four (4) requested businesses, listed in initial condition | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - xxx Comments: DTI XXX% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Qualifying credit score XXX |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. Provide monthly taxes/tax calculations for XXX | 6/13 Client provided supporting docs for PITIA | Satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history - xxx Comments: Borrowers have XXX months 0x30 on current mortgage CFCFS2854: Significant time in profession - xxx Comments: Borrower has been in the same profession for XXX years |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | : Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1739: Positive mortgage payment history - xxx Comments: Borrowers have XXX months 0x30 on current mortgage CFCFS2854: Significant time in profession - xxx Comments: Borrower has been in the same profession for XXX years |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Provide monthly taxes/tax calculations for XXX | 6/13 Client provided supporting docs for PITIA | Satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history - xxx Comments: Borrowers have XXX months 0x30 on current mortgage CFCFS2854: Significant time in profession - xxx Comments: Borrower has been in the same profession for XXX years |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Credit | Income/Employment | Waived | D | B | D | B | CRDINC2408 | Income verification does not meet guidelines | No | Missing XXX years W2's for B1Missing XXX years Bonus income as required per Guidelines. Provide documentation that Borrower has received bonus for XXX years. | 6/13 Client provided an Email that " XXX years W2s are not required to determine bonus"; WVOE in file however condition remains for XXX years W2s supporting qualifying income per GLs6/16 Client provided an approved exception to allow the file with out the W2s | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; long term in profession, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history - xxx Comments: Borrowers have XXX months 0x30 on current mortgage CFCFS2854: Significant time in profession - xxx Comments: Borrower has been in the same profession for XXX years |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing XXX XXX Agreement | 6/16 Client provided the execute exchange agreement | Satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history - xxx Comments: Borrowers have XXX months 0x30 on current mortgage CFCFS2854: Significant time in profession - xxx Comments: Borrower has been in the same profession for XXX years |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | B | A | D | A | D | A | A | A | B | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | A | B | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final Closing Disclosure does not reflect all the required seller-paid fees. | (No Data) | Condition Satisfied. All Seller fees have been sourced on the Seller CD and included in testing. | Numeric | Not Applicable | CFCFS2854: Significant time in profession - xxx Comments: B2 has been in the same profession for XXX years. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX*XXX + REO $3521.59*3= $XXX reserves required. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | B | A | D | A | D | A | A | A | B | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing | No | Missing lender's calculations for both borrowers. | 6.18.2025 Client provided Lender income calculation worksheet for both borrowers | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - xxx Comments: B2 has been in the same profession for XXX years. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX*XXX + REO $3521.59*3= $XXX reserves required. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | B | A | D | A | D | A | A | A | B | A | Credit | Terms/Guidelines | Satisfied | D | A | D | A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Review calculated XXX% DTI vs. DU XXX%, exceeding the XXX% tolerance due to lender excluding the tax/insurance payments associated with REO. Rerun DU including full PITI payment for REO. Mortgage P/I, tax and insurance (no hoa) evidence provided. | 6.18.2025 Client provided Lender updated DU submission #X with changes for an updated DTI of XXX% | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - xxx Comments: B2 has been in the same profession for XXX years. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX*XXX + REO $3521.59*3= $XXX reserves required. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees were able to be sourced from the sellers CD document. Consistent with the SFA Trid Grid, we are satisfying to 1/A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX*XXX + REOs $XXX*XXX= $XXX reserves required. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; max XXX%. CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been XXX employed for XXX years. CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; max XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Appraisal fee increased from $XXX to $XXX on LE XXX without a valid reason on the change of circumstance dated XXX . Zero tolerance cure required for $XXX. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 05/19/25 Client provided a duplicate copy of the XXX COC and LE package along with the following Seller comment: Hello please find the revised LE reflecting reason for change in appraisal fee. This revised LE reflects a $XXX appraisal fee. Please accept. Condition remains. There is not a valid change in circumstance explanation for the increased Appraisal fee.05/22/25 Client provided an LOE from Lender with supporting screenshots of the XXX Appraisal Notes/History from XXX validating the fee increase. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX*XXX + REOs $XXX*XXX= $XXX reserves required. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; max XXX%. CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been XXX employed for XXX years. CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; max XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Credit | Income/Employment | Waived | B | B | B | B | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Missing verification of borrower's self-employment via third-party source no more than 120 days prior to the note date XXX, as outlined in the XXX program guides which state a borrower's website is not acceptable third-party source. VOE provided lists identifying source as internet/google. | 5/15 Client provided an approved exception to allow the file without the VVOE | xxx final grade is B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX*XXX + REOs $XXX*XXX= $XXX reserves required. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; max XXX%. CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been XXX employed for XXX years. CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; max XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: High Credit XXX Guidelines allow XXX CFCFS2854: Significant time in profession - xxx Comments: Borrower has XXX Years in Current Profession CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Post Close Assets are $XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $XXX+ XXX Months for Additional REO or $ XXX X XXX = $XXX |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score; XXXrequired. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; XXX% max allowed. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV is XX% below the maximum allowable LTV of XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score of XXX is XX points above the minimum required score of XX. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Credit | Assets | Satisfied | C | A | C | A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Insufficient assets verified in the file to meet the reserve requirement. Total assets verified were $XXX with cash required to close of $XXX (including the EMD) leaving $XXX available in reserves. Total reserves required are $XXX, or XXX months PITI for the subject property plus XXX months PITIA for an additional financed property owned. Lender used assets of $XXX from an expired account statement and file is missing documentation verifying the withdrawal on XXX was for the EMD. | 6/18 Client provided evidence the $XXX EMD cleared account; sufficient assets verified | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV is XX% below the maximum allowable LTV of XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score of XXX is XX points above the minimum required score of XX. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | File is missing a CDA or CCA supporting appraised value of $XXX . Loan Collateral Advisor did not provide a score. | 6/18 Client provided a CDA supporting the appraised value with a XXX% variance | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV is XX% below the maximum allowable LTV of XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score of XXX is XX points above the minimum required score of XX. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; max XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Assets | Waived | C | B | C | B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Missing additional borrower funds of $XXX to meet the reserves requirement for sequoia AUS guides; $XXX effective, $XXX to close, $XXX reserves; $XXX*XXX+ REO $XXX*XXX= $XXX reserves required. | 6.17.2025 Client provided exception approval to allow for short reserves of -$XXX | Upon review by Senior Underwriter, exception is deemed non-material. Exception approved, B Grade with compensating factors, Fico score XXX at departure home over XXX years and with current employment over XXX years. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; max XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Reserves sourced: Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject and one financed REO CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Terms/Guidelines | Satisfied | D | A | D | A | CRDTER2548 | Missing AUS or AUS errors present | No | Page 1135 combined file:"The risk assessment of the loan casefile may not be accurate because the following accounts on the loan4application did not have a minimum monthly payment and DU was unable to calculate an accurate debt-to income ratio. The lender must ensure the DTI used in the risk assessment is accurate. If a payment must be included in the DTI, the payment amount must be entered on the loan application and the loan casefile resubmitted to DU. If the minimum monthly payment is $XXX, the lender must include documentation in the loan file confirming the $XXX payment amount. Deferred installment debts must be included as part of the borrower's recurring monthly debt obligations. For student loans, the lender may qualify the borrower with the $XXX payment if there is documentation to support that the $XXX payment is associated with an income-driven repayment plan; alternatively, the lender must either use XXX% of the outstanding balance as the estimated payment or derive a fully amortizing payment using the student loan documentation. (MSGID 0034)BORROWERCREDITORACCOUNT NUMBERBALANCEB1XXXXXX$XXXB1XXXXXX$XXXProvide updated DU findings. May be subject to additional conditions upon review. | 6/23 Client provided an Email; Upon review the two REO debts were included on B2 1003 and in the DTI | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Reserves sourced: Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject and one financed REO CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Documentation | Satisfied | D | A | D | A | CMPDOC3274 | Mortgage/Deed in file is incomplete | No | The following pages are cut off of the Mortgage. Page 2, 6, 7, 8, and 9. Pending receiving full/ complete pages of Mortgage. | 06/16/25 Client provided the complete pages to the DOT. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% CLTV below guideline requirements of XXX% per program. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrowers have XXX months PITI in reserves. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrower has $XXX available in reserves; $XXX in reserves required. CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been with current employer since XXX CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score of XXX is 85 points above the minimum required score of XX. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Credit/Mtg History | Satisfied | C | A | C | A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | 1) Lender used monthly insurance, taxes, association dues etc. of $XXX for the borrower's departing residence to qualify. Documentation provided in the file verified monthly amount of $XXX. File is missing verification of the additional expenses.2) File is missing verification the HOA dues are paid annually for rental properties located at XXX , XXX, XXX, XXX,XXXt, and XXX. HOA dues statements provided in the file do not indicate if dues are annual, semi-annual, quarterly or monthly. | 5.22.2025 Client provided LOX stating, For all HOA statements, they are all January and appear to be annual, also based on Schedule E with supporting statements, that appears to match up to dues being annual. Can you please review for all REO. Response, all are reflected on Schedule E of 2023 1040's except departure: XXX: HOA monthly of $XXX+ $XXX taxes for total of $XXX/departure home XXX and LOX in file of not having HOI on departure home | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrower has $XXX available in reserves; $XXX in reserves required. CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been with current employer since XXX CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score of XXX is 85 points above the minimum required score of XX. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | File is missing verification of HOA dues/additional expense(s) of $XXXper month listed on the final 1003 for rental property owned located at XXX | 5.22.2025 Client provided LOX stating, HOA statement and insurance policy for 5XXX uploaded $XXX+XXX/XXX= $XXX. Response, HOA annual $XXX and HOI provided $XXX supports total of $XXX for XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrower has $XXX available in reserves; $XXX in reserves required. CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been with current employer since XXX CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score of XXX is 85 points above the minimum required score of XX. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing | No | Lender used bonus income of $XXX/month and RSU income of $XXX/month to qualify based on multiple paystubs from 2025, 2024 and 2023. Paystubs show different income types such as CIP non deferred, CIP Active Employee, ExecPerfComp-NonDeferred, NQ50 - Cashless Exercise, and XXX - NonDeferred which lender used to calculate the bonus and RSU income. An XXX verification of income was provided in the file which does not show the YTD and 2023 bonus pay and does not show the YTD, 2024 or 2023 RSU pay. A written VOE (form 1005) from the employer showing the breakdown and clearly indicating the YTD and 2023 bonus pay and YTD, 2024 and 2023 RSU pay will be required. Additional review may be required upon receipt. | 6/11 Client provided an LOX, Upon review the file has YE paystubs supporting the CIP bonuses and RSU; RSU documented | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrower has $XXX available in reserves; $XXX in reserves required. CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been with current employer since XXX CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score of XXX is 85 points above the minimum required score of XX. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-Paid fees indicated on Seller CD are not disclosed on page 2 of the Borrowers Final CD. | (No Data) | Condition satisfied. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; max XXX%. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; XXX min. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX*XXX + REO $XXX*XXX= $XXX reserves required. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; max XXX%. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | Credit | Income/Employment | Satisfied | B | A | B | A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Missing evidence of the existence of all 4 borrower's XXX businesses to be verified through a 3rd party source no more than XXX days prior to note date XXX; VOES reflect internet search of companies and secretary of state registrations on CA.gov (not provided). | 5/22 Client provided 2 SE VOEs supporting each company dated XXX | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; max XXX%. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; XXX min. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX*XXX + REO $XXX*XXX= $XXX reserves required. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; max XXX%. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Compliance | RESPA | Waived | B | B | B | B | CMPRESPA2700 | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | Lender's App Date is XXX; enclosed List of homeowners counseling organizations' issued date is XXX; the List w/ issued/receipt date w/i XXX business of the app date missing. | 05/21/25 Client provided an approved exception for HOCL not provided to borrower within XXX days of initial application | 05/21/25 Initial and final grade 2/B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX*XXX + REOs $XXX*XXX= $XXX reserves required. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D | A | D | A | CMPTRID3600 | TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered | No | Initial CD XXX e-signed by both borrowers but a prior e-consent is missing in file. | 05/27/25 Client provided the accepted E-Consents. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX*XXX + REOs $XXX*XXX= $XXX reserves required. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D | A | D | A | CMPTRID5111 | TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No | All LEs are e-signed by both borrowers but a prior e-consent is missing in file. | 05/27/25 Client provided the accepted E-Consents. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX*XXX + REOs $XXX*XXX= $XXX reserves required. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Credit | Income/Employment | Satisfied | B | A | B | A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Missing verification of the existence of borrowers XXX to be verified through a third-party source and no more than XXX calendar days prior to the Note date XXX. | 5/23 Client provided a XXX VOE dated XXX | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX*XXX + REOs $XXX*XXX= $XXX reserves required. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing | No | Missing lender's XXX income calculations on form 1084 (or equivalent) required for income analysis. | 5/23 Client provided the 1084 | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX*XXX + REOs $XXX*XXX= $XXX reserves required. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; max XXX%. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXXmo. 0x30 mortgage payment history; 0x30x24 required. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX*XXX + REO $XXX*XXX= $XXX reserves required. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXXqual score; min XXX. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | Credit | Insurance | Satisfied | B | A | B | A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | HOI effective date is XXX with disbursement date of XXX. | 6.19.2025 Client provided LOX stating, Disbursement date is showing as XXX - Response, HOI effective date is XXX which is after disbursement date of XXX; WA property, provide copy of Final HUD-1 Settlement statement to support disbursement date of XXX or later. 6/20 Client provided insurance dated XXX | Satisfied | Not Applicable | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job - xxx Comments: Borrower has been with the same employer for XXX years. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX mo.. 0x30 mortgage payment history; 0x30x24 required. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; max XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX * XXX + REO $XXX * XXX = $XXX reserves required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% qualifying LTV CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score | |||||||||||||||
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | D | B | D | B | D | B | A | A | D | B | Compliance | Compliance Manual | Satisfied | D | A | D | A | CMPMAN2956 | Missing disclosure | No | Per disclosure tracking details, a revised Loan Estimate was issued on XXX which is missing from file. Provide missing LE. | 06/12/25 Client provided the missing XXX COC and XXX LE. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; max XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX*XXX + REOs $XX*XXX= $XXX reserves required. CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been self-employed in the same business for XXX years. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | D | B | D | B | D | B | A | A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | XXX percent tolerance of $XXX due to Government recording fees on XXX with invalid reason in file. Provided COC PCCD with cure, copy of cure check, LOE to Borrower and evidence of delivery via method including tracking information within XXX days of consummation. | 06/12/25 Client provided a missing XXX COC and XXX LE. Condition remains. The Recording Fee increased on the XXX CD, however the XXX COC does not validate this increase. Borrower is due a refund of $XXX, PCCD with cure, LOE and proof of delivery.06/12/25 Client provided a XXX PCCD, $XXX refund check, LOE and Disclosure Tracking showing Sent by Mail. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; max XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX*XXX + REOs $XX*XXX= $XXX reserves required. CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been self-employed in the same business for XXX years. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | D | B | D | B | D | B | A | A | D | B | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC2488 | Verbal verification of employment missing | No | Missing verification of the existence of borrowers self-employment to be verified through a third-party source and be no more than XXX(XXX) calendar days prior to the Note date XXX. A borrowers website is not acceptable third-party source. | 6/12 Client provided a google search; Provide a XXX third party VOE within 30 days prior to close meeting XXX GLs 6.19.2025 Client provided post close dated (XXX) SOS for XXX business however is dated after closing, condition remains for prior to close SOS verifying XXX. 6.23.2025 Client provided VVOE dated XXX (post close dated) verifying XXX w/CPA however is also post close dated Condition remains 6.24.2025 Client provided exception approval to allow for post close dated CPA letter regarding XXX, this condition is being satisfied, adding correct VVOE condition due to receipt of a Post Close VVOE. | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; max XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX*XXX + REOs $XX*XXX= $XXX reserves required. CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been self-employed in the same business for XXX years. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | D | B | D | B | D | B | A | A | D | B | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing | No | Missing lender's XXX calculation on form 1084 (or similar) required for income analysis. | 6/12 Client provided a 1084 | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; max XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX*XXX + REOs $XX*XXX= $XXX reserves required. CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been self-employed in the same business for XXX years. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | D | B | D | B | D | B | A | A | D | B | Credit | Income/Employment | Waived | B | B | B | B | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Missing verification of the existence of borrowers XXX to be verified through a third-party source and be no more than XXX(XXX) calendar days prior to the Note date XXX. A borrowers website is not acceptable third-party source. | 6/12 Client provided a google search; Provide a XXX third party VOE within 30 days prior to close meeting XXX GLs 6.19.2025 Client provided post close dated (XXX) SOS for XXX business however is dated after closing, condition remains for prior to close SOS verifying XXX. 6.23.2025 Client provided VVOE dated XXX (post close dated) verifying XXX w/CPA however is also post close dated Condition remains 6.24.2025 Client provided exception approval to allow for post close dated VVOE by Lender verifying w/CPA XXX and file having prior to closing YTD XXXP/L | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; max XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX*XXX + REOs $XX*XXX= $XXX reserves required. CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been self-employed in the same business for XXX years. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1739: Positive mortgage payment history - xxx Comments: Borrowers have XXXmonths 0x30 on current mortgage CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Required Reserves: $XXX. Verified $XXXSubject: $XXX x XXX = $XXX XXX: $XXX x XXX = $XXXXXX: $XXX x XXX = $XX | |||||||||||||||
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fees that should be disclosed in Sections C, E, & H are not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrower has XXX months of PITIA available in reserves; XXX months required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1739: Positive mortgage payment history - xxx Comments: Borrowers have XXX months of 0x30 on current mortgage CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Reserves$XXXor XXX months PITI | |||||||||||||||
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | Compliance | Compliance Manual | Satisfied | D | A | D | A | CMPMAN2956 | Missing disclosure | No | No evidence in file of Non-borrowing spouse receiving a copy of initial CD XXX and revised CD XXX (resetting 3 day waiting period due to increased APR above permissible tolerance) at least 3 days prior to consummation date XXX | 06/02/25 Client provided the Disclosure Details reflecting the confirmed receipt and e-consent for the NBS on XXX and XXX | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Assets verified for reserves are XXX months PITIA and required is XXX months PITIA CFCFS2854: Significant time in profession - xxx Comments: XXX YEARS IN PROFESSION |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | Compliance | Right of Rescission | Waived | B | B | B | B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | H8 Form Used in Refinance With Original Creditor instead of H9 form | 05/24/25 Client provided an approved exception for using incorrect ROR form | 05/24/25 Initial and final grade 2/B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Assets verified for reserves are XXX months PITIA and required is XXX months PITIA CFCFS2854: Significant time in profession - xxx Comments: XXX YEARS IN PROFESSION |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI below guideline requirement of XXX%. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing verification of monthly HOA $XXX for departure residence, XXX | 5.20.2025 Client provided evidence of monthly HOA of $XXX for XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI below guideline requirement of XXX%. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | B | A | D | A | D | A | A | A | B | A | Compliance | RESPA | Satisfied | B | A | B | A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Missing Affiliate Business Disclosure. | 05/23/25 Client provided an LOE from Lender stating they only have 1 affiliate in Georgia. Subject property in SC. No fees paid to their Affiliate. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - xxx Comments: DTI XXX% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Qualifying credit score XXX |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | B | A | D | A | D | A | A | A | B | A | Compliance | State Consumer Protection | Satisfied | B | A | B | A | CMPSTCP1159 | SC Home Loans - Designated Agency Disclosure not in file | No | Missing SC Home Loans - Designated Agency Disclosure. | 06/05/25 Client provided the Designated Agency Agreement to the Purchase Contract (signed by borrowers XXX and Sellers XXX). Condition remains. Provide the SC Designated Agency Disclosure dated within XXX days of the Broker Application Date.06/18/25 Client provided the SC Agency to Receive Borrower Complaints form. Condition remains. Provide the missing SC Designated Agency Disclosure (SC Code Sec 40-57 - SC Disclosure of Real Estate Brokerage Relationships).06/24/25 Client provided a copy of the Mortgage Broker Fee Agreement. Upon review by internal Compliance counsel, the documentation received is acceptable. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - xxx Comments: DTI XXX% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Qualifying credit score XXX |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | B | A | D | A | D | A | A | A | B | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC3258 | Missing Profit and Loss statement for one or more Self Employed borrowers | No | Missing year end 2024 P&L for XXX | 6/5 Client provided the 2024 P&L | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - xxx Comments: DTI XXX% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Qualifying credit score XXX |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees were able to be sourced from the sellers CD document. Consistent with the SFA Trid Grid, we are satisfying to 1/A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Required Reserves: $XXX. Verified $XXXSubject: $XXX x XXX = $XXXXXX: $XXX x XXX = $XXX |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-Paid fees indicated on Seller CD are not disclosed on page 2 of the Borrowers Final CD. | (No Data) | Condition satisfied. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; max XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX*XXX = $XXX reserves required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Reserves sourced: Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject, no additional REOs CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXXqualifying score | |||||||||||||||
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - xxx Comments: High Credit XXX Guidelines allow XXX CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: Borrower Has Good Mortgage payment history with 0 Late Payments > XXX Months CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require 6 months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX | |||||||||||||||
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score; XXX required. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; XXX% max allowed. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Verified reserves of $XXX; total reserves required $XX. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; max XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX effective/reserves; $XXX *XXX (includes 3 addtl mos. for XXX= $XXX reserves required. CFCFS2854: Significant time in profession - xxx Comments: Borrowers have been in their respective professions for XXX and XXX years, CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XX. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. | |||||||||||||||
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in the amount of $XXX due to Appraisal Fee increased on LE XXX without a valid COC in file. Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information. | 06/25/25 Client provided a duplicate copy of the COC dated XXX, LE and Rate Lock. Condition remains. The COC does not provide any change description validating the Appraisal Fee increase. Borrower is due a refund of $XXX, Post CD with tolerance cure, LOE and proof of delivery that includes tracking information.06/26/25 Client provided another XXX COC that is completed along with the screenshot of the Appraisal Mgmt. Notes from XXX validating the fee increase. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score; XXX required. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Verified reserves of $XXX; total reserves required $XXX. CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; XXX% max allowed. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-Paid fees indicated on Seller CD are not disclosed on page 2 of the Borrowers Final CD. | (No Data) | Condition satisfied. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement - xxx Comments: DTI XXX% CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower XXX year at current employment |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-Paid fees indicated on Seller CD are not disclosed on page 2 of the Borrowers Final CD. | (No Data) | Condition satisfied. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX score with XXX min CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: r |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV is below guideline requirements of XXX% per program. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI below guideline requirement of XX%. | |||||||||||||||
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final closing Disclosure does not reflect all the required seller-paid fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: High Credit XXX Guidelines allow XXX CFCFS1736: Significant time at current residence - xxx Comments: Borrower has XXX Years at Current Residence CFCFS2854: Significant time in profession - xxx Comments: Borrower has XXX Years in Current Profession |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement - xxx Comments: DTI XXX% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Qualifying credit score XXX |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Legal Documents | Satisfied | C | A | C | A | CRDLGL5480 | Trust Documents Not Acceptable/Not Executed | No | Certification of Trust is not dated or notarized. Provide signed/acceptable Trust Documents. | 6.19.2025 Client provided copy of executed Certification of Trustees Under Trust | Condition satisfied | Not Applicable | Not Applicable | CFCFS1744: DTI below guideline requirement - xxx Comments: DTI XXX% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Qualifying credit score XXX |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | XXX percent tolerance in amount of $XXX due to added Title Endorsement fee on initial CD XXX with no valid COC in file. Borrower selected title provider from SPL and all title fees including Recording fee are tested for tolerance violation. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 06/16/25 Client provided a rebuttal Email from the Seller containing their XXX% testing. They confirm the Survey Deletion Fee that was disclosed on the LE is the Title Endorsement Fee disclosed on the CD (same Fee). As fee is considered an endorsement to title, re-testing results in no violation. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX credit score |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Provide 2 full months bank statements for XXX XXX, XXX, XXX and XXX | 6/17 Client provided 2 months statements for each account | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX credit score |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Credit | Credit/Mtg History | Satisfied | B | A | B | A | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Provide rent free letter for XXX | 6/17 Client provided an LOX that the Employer paid for their residence in XXX from XXX through XXX | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX credit score |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Determine status upon review / receipt of undisclosed REO disposition | 6.17.2025 Client provided property profile verifying B1 sold this property as of XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Reserves sourced: Months PITI ReservesXXXMonths PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject and one financed reo CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | A | B | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The final closing Disclosure does not reflect all the required seller -paid fees. | (No Data) | Condition Satisfied. All Seller fees have been sourced on the Seller CD and included in testing. | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Reserves sourced: Months PITI ReservesXXXMonths PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject and one financed reo CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Credit/Mtg History | Satisfied | C | A | C | A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | Provide sufficient documentation supporting exclusion of XXX REO from DTI, in B1's name on xxx Drive report. May be subject to additional conditions upon review. | 6.17.2025 Client provided property profile verifying B1 sold this property as of XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Reserves sourced: Months PITI ReservesXXXMonths PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject and one financed reo CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC150 | Income docs do not meet guidelines | No | 2024 and 2025 PL's not executed, please provide. | 6.17.2025 Client provided executed 2024 and YTD 2025 PL's for:XXX (using loss) and XXX (positive income used for qualifying) | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Reserves sourced: Months PITI ReservesXXXMonths PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject and one financed reo CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing | No | Provide below for 1120s XXX'The Fannie Mae 1084, or Freddie Mac Form 91 or equivalent is required for XXX analysis. The most recent Form 1084 or Form 91 should be used based on application date. Instructions per Form 1084 or Form 91 must be followed.? Copy of liquidity analysis must be included in the loan file if the income analysis includes income from boxes 1, 2 or 3 on the K-1 that is greater than distributions indicated on the K-1.? If a liquidity analysis is required and the borrower is using business funds for down payment or closing costs, the liquidity analysis must consider the reduction of those assets.' | 6.17.2025 Client provided Lender Cash Flow Income Analysis for 1120s XXX (per initial condition) along with calculation of some losses for other employment. | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Reserves sourced: Months PITI ReservesXXXMonths PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject and one financed reo CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1739: Positive mortgage payment history - xxx Comments: Borrowers have XXX months of 0x30 on current mortgage. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Reserves$XXX or XXX months PITI. 6 months subject and XXX months REO met |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | RESPA | Satisfied | B | A | B | A | CMPRESPA2700 | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | RESPA - List of homeowners counseling organizations not provided w/in XXX days of application XXX | 06/27/2025 Client provided missing List of homeowners counseling organizations dated XXX | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - xxx Comments: Borrowers have been in their respective professions for XXX, XXX and XXX years. CFCFS1736: Significant time at current residence - xxx Comments: Borrowers have been at their current residence for XXX years. CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; max XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS2854: Significant time in profession - xxx Comments: Borrowers have been in their respective professions for XXX, XXX and XXX years. CFCFS1736: Significant time at current residence - xxx Comments: Borrowers have been at their current residence for XXX years. CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; max XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3552 | TRID - Loan Estimate not timely | No | Missing initial LE. | 06/27/2025 Client provided the missing LE XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - xxx Comments: Borrowers have been in their respective professions for XXX, XXX and XXX years. CFCFS1736: Significant time at current residence - xxx Comments: Borrowers have been at their current residence for XXX years. CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; max XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: High Credit XXX Guidelines allow XXX CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: Borrower Has Good Mortgage payment history with 0 Late Payments > XXX Months CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Assets verified for reserves are $XXX or XXX months PITIA and required is XXX months plus XXX months for 1 REO CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX score with XXX min req |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Reserves sourced: Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject and one REO.> XXX is liquid, exceeding reserves requirements for use of asset depletion CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | CMPMAN2956 | Missing disclosure | No | Final CD missing. | 06/23/25 Client provided the missing XXX Final CD signed at Closing on XXX | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been at the same job for XXX years. CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; max XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX * XXX + REO $XXX * XXX = $XXX reserves required. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | RESPA | Satisfied | B | A | B | A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Affiliate Business Disclosure/FACTS sheet missing. | 06/23/25 Client provided an LOE from the Seller explaining that this is a correspondent loan they purchased from the originator and no affiliate relationship exists between the Lender and any third party involved in the transaction. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been at the same job for XXX years. CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; max XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX * XXX + REO $XXX * XXX = $XXX reserves required. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | A | B | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fees that should be disclosed in Sections B, E, & H are not disclosed on Initial CD XXX; Seller's CD in file & able to test; Condition pending receipt of missing Final CD. | 06/23/25 Client provided the fully executed Final CD. | Condition Satisfied. All Seller fees have been sourced on the Seller CD and included in testing. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been at the same job for XXX years. CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; max XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX * XXX + REO $XXX * XXX = $XXX reserves required. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID5511 | TRID - CD: Monthly Non-Escrowed Amount in Projected Payments is inconsistent with annual cost in the Loan Disclosures section (SFIG 3.0) | No | Initial CD XXX, Monthly Non-Escrowed Amount in Projected Payments section is not matching w/ annual cost in the Loan Disclosures section; the amounts are incorrectly indicated in Projected Payments section as well; Condition pending receipt of missing Final CD for final testing. | 06/23/25 Client provided the missing XXX Final CD signed at Closing on XXX. All errors were corrected at Closing. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been at the same job for XXX years. CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; max XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX * XXX + REO $XXX * XXX = $XXX reserves required. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID5555 | TRID - CD: Monthly Escrow Amount in Projected Payments is inconsistent with annual cost in Loan Disclosure section (SFIG 3.0) | No | Initial CD XXX, Monthly Escrow Amount in Projected Payments section is not matching w/ annual cost in the Loan Disclosures section; the amounts are incorrectly indicated in Projected Payments section as well; Condition pending receipt of missing Final CD for final testing. | 06/23/25 Client provided the missing XXX Final CD signed at Closing on XXX. All errors were corrected at Closing. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been at the same job for XXX years. CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; max XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX * XXX + REO $XXX * XXX = $XXX reserves required. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID5741 | TRID - CD: In the CD Escrow section, You will have an escrow account is indicated, but any of the Escrowed Property Costs or Escrow Payment = $0 or Null | No | Initial CD XXX, Escrow values are incorrectly indicated in Projected Payments section; Condition pending receipt of missing Final CD for final testing. | 06/23/25 Client provided the missing XXX Final CD signed at Closing on XXX. All errors were corrected at Closing. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been at the same job for XXX years. CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; max XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX * XXX + REO $XXX * XXX = $XXX reserves required. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | D | D | A | A | A | D | D | D | D | D | A | A | A | D | D | Compliance | Right of Rescission | Active | C | C | C | C | CMPROR114 | ROR - Right of Rescission not executed by all title holders | Yes | Borrower is married - DOT indicates borrower a married man as his sole & separate property vs. Title indicates borrower & his spouse as joint tenants; ROR nor both Final & Initial CDs are signed via non-borrowing spouse; Subject loan 30 Yr Fx Prm R/T Refi. | 06/16/25 Client provided a duplicate copy of the Interspousal Transfer Grant Deed. Condition remains. The Deed was not executed until XXX (after Closing on XXX). Reopen rescission to both parties with LOE and proof of delivery. | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX effective/reserves; $XXX*XXX + REOs $XXX*XXX= $XXX reserves required. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; max XXX%. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | D | D | A | A | A | D | D | D | D | D | A | A | A | D | D | Compliance | Right of Rescission | Active | D | D | D | D | CMPROR4407 | ROR - No evidence that the material disclosures were delivered to all with rescission rights via TIL, CD or HELOC, as applicable | Yes | Borrower is married - DOT indicates borrower a married man as his sole & separate property vs. Title indicates borrower & his spouse as joint tenants; ROR nor both Final & Initial CDs are signed via non-borrowing spouse; Subject loan 30 Yr Fx Prm R/T Refi. | 06/11/25 Client provided the Addition and/or Amendment to Escrow Instructions. Condition remains. Spouse was on Title and file does not contain evidence they received the ROR, Initial CD or Final CD.06/16/25 Client provided a duplicate copy of the Interspousal Transfer Grant Deed. Condition remains. The Deed was not executed until XXX (after Closing on XXX, and removal of the spouse after the Initial CD was issued is not permitted per Client guidance. | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX effective/reserves; $XXX*XXX + REOs $XXX*XXX= $XXX reserves required. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; max XXX%. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | D | D | A | A | A | D | D | D | D | D | A | A | A | D | D | Credit | Income/Employment | Satisfied | B | A | B | A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Missing evidence to verify the existence of all of borrower's XXX businesses to be verified through a third-party source and be no more than XXX calendar days prior to note date XXX All VOEs provided state that verification was obtained via business license from regulatory agency/Secretary of State printout however none were provided. Guides reflect a borrower's website is not acceptable third-party source. | 6.11.2025 Client provided SOS (undated) for both businesses: XXX and XXX however both are undated. Condition remains for dated prior to closing SOS or post close dated SOS for these two businesses. 3rd business income is a loss (nothing needed for 3rd business) 6.13.2025 Client provided post close dated (XXX) SOS for both businesses | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX effective/reserves; $XXX*XXX + REOs $XXX*XXX= $XXX reserves required. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; max XXX%. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | D | D | A | A | A | D | D | D | D | D | A | A | A | D | D | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing | No | Missing lender's XXX calculations for All 3 businesses on form 1084 (or equivalent), required for income analysis. | 6.11.2025 Client provided vesting title documentation however initial condition is regarding missing lenders XXX calculation income worksheet (Form 1084 or equivalent) for ALL 3 businesses calculation. Condition remains 6.13.2025 Client provided Lender Cash Flow Income Analysis for all 3 businesses calculations used for qualifying | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX effective/reserves; $XXX*XXX + REOs $XXX*XXX= $XXX reserves required. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; max XXX%. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support Appraised Value of $ XXX. CU score not located on UCDP or DU | 6.13.2025 Client provided LP AUS Approval however initial condition is for missing CU Score 2.5 or less or 3rd party CDA supporting appraised value. File was DU Approved. Condition remains for CU Score 2.5 or less (UCDP) or CDA supporting value6.16.2025 Client provided updated 1008 (showing as LP underwritten vs DU underwritten) and provided LCA Risk 1.0 and previously provided LP submission #18 (post close dated), condition remains for prior to closing LP approval to review along with post close LP approval #18. Note: appears lender provided a snipshot of submission #17 and have a stamp date of XXX; if this submission #17 is prior to closing, please provide full copy of this LP (#17) prior to closing approval 6.18.2025 Client provided prior to closing LP Approval (submission #17) and updated LP submission #18 and previously provided the LCA Risk Score 1.0 to support value being supported, loan previously was DU and now is LP reviewed to use the LCA Risk Score 1.0 | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: High Credit XXX Guidelines allow XXX CFCFS2854: Significant time in profession - xxx Comments: Borrower has XXX Years in Current Profession CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fees that should be disclosed in Sections C & H are not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; max XX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX*XXX + REO $XXX*XXX= $XXXreserves required. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; max XX%. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero Tolerance Fee of XXXAppraisal Rush Fee of XXX added on Revised CD XXX w/o indicating a valid reason on COC Lender Credit NOT indicated on Final CD XXX nor PCD XXX; Corrected PCD, LOX, refund, & proof of delivery missing. | 06/20/25 Client provided a XXXPCCD with cure, LOE, $XXX refund check and shipping label. Tracking shows only the label has been created. Condition remains for the proof of shipment.06/25/25 Client provided the proof of shipment. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; max XX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX*XXX + REO $XXX*XXX= $XXXreserves required. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; max XX%. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees and Realtor Commission Fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job - xxx Comments: Co-borrower has been with current employer since XXX CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | ATR/QM: Status Pending | D | D | D | D | A | A | D | D | D | D | D | D | A | A | D | D | Compliance | Ability to Repay/Qualified Mortgage | Active | D | D | D | D | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | Yes | Determine status history upon review / receipt of missing employment, income and debt documentation | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score CFCFS1739: Positive mortgage payment history - xxx Comments: 0 x 30 for XXX months |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | ATR/QM: Status Pending | D | D | D | D | A | A | D | D | D | D | D | D | A | A | D | D | Compliance | TILA/RESPA Integrated Disclosure | Active | C | C | C | C | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | Yes | Missing initial CD. | 06/27/2025 Client provided missing Initial CD XXX with E-sign summary for LE XXX showing Per loan E-Consent and a COC for LE XXX Condition remains. Provide evidence of receipt for Initial CD XXX for both Borrowers a minimum a XXX Business days before closing. | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score CFCFS1739: Positive mortgage payment history - xxx Comments: 0 x 30 for XXX months |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | ATR/QM: Status Pending | D | D | D | D | A | A | D | D | D | D | D | D | A | A | D | D | Compliance | TILA/RESPA Integrated Disclosure | Active | C | C | C | C | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | Yes | Missing initial CD. | 06/27/2025 Client provided missing Initial CD XXX with E-sign summary for LE XXX showing Per loan E-Consent and a COC for LE XXX. Condition remains. Provide evidence of receipt for Initial CD XXX for both Borrowers a minimum a XXX Business days before closing. | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score CFCFS1739: Positive mortgage payment history - xxx Comments: 0 x 30 for XXX months |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | ATR/QM: Status Pending | D | D | D | D | A | A | D | D | D | D | D | D | A | A | D | D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score CFCFS1739: Positive mortgage payment history - xxx Comments: 0 x 30 for XXX months |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | ATR/QM: Status Pending | D | D | D | D | A | A | D | D | D | D | D | D | A | A | D | D | Credit | DTI | Active | D | D | D | D | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | Yes | Provide documentation supporting Tax/Ins/Hoa amounts reflected on the 1003 for both Farm REOs. Reviewed used Lender figures until further review. Subject to DTI and reserves recalc, may be subject to additional conditions upon review. | 6/26 Client provided an Email but no supporting docs for Tax Ins or HOA dues was found; re send6.26.2025 Client provided PITIA verification for XXX however initial condition is for verification of PITIA being used on REO of 1003 for both address: XXX and XXX. Condition remains for evidence of PITIA verification used on 1003 for both Farm REO's supporting the amount listed on 1003/REO | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score CFCFS1739: Positive mortgage payment history - xxx Comments: 0 x 30 for XXX months |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | ATR/QM: Status Pending | D | D | D | D | A | A | D | D | D | D | D | D | A | A | D | D | Credit | Income/Employment | Active | B | B | B | B | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Note date XXXB2 job start date XXXProvide prior VOE from XXX - XXX to complete required XXX month employment history. May be subject to additional conditions upon review. | 6/24 Client provided VOE for current job beginning XXX; Condition is for prior VOE | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score CFCFS1739: Positive mortgage payment history - xxx Comments: 0 x 30 for XXX months |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | ATR/QM: Status Pending | D | D | D | D | A | A | D | D | D | D | D | D | A | A | D | D | Credit | Income/Employment | Active | D | D | D | D | CRDINC2408 | Income verification does not meet guidelines | Yes | Note date XXXB2 job start date XXX.Provide prior WVOE from XXX -XXX to complete required XXX month Bonus income history. Subject to income recalc and may be subject to additional conditions upon review. | 6/24 Client provided VOE for current job beginning XXX; Condition is for prior VOE | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score CFCFS1739: Positive mortgage payment history - xxx Comments: 0 x 30 for XXX months |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | Compliance | TILA/RESPA Integrated Disclosure | Active | C | C | C | C | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | Yes | XXX% tolerance in the amount of $XXX due to title fees increased without a valid COC in file. Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: High Credit XXX Guidelines allow XXX CFCFS2854: Significant time in profession - xxx Comments: Borrower has XXX Years in Current Profession CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XX |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-Paid fees indicated on Seller CD are not disclosed on page 2 of the Borrowers Final CD. | (No Data) | Condition satisfied. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been XXX with current business since XXX. CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrower has $XXX available in reserves; $XXX in reserves required. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX%DTI is below the maximum allowed DTI of XXX%. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | File is missing the Fannie Mae 1084, or Freddie Mac Form 91 or equivalent for XXX analysis. | 6/20 Client provided the 1084 income WS supporting qualifying income | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been XXX with current business since XXX. CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrower has $XXX available in reserves; $XXX in reserves required. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX%DTI is below the maximum allowed DTI of XXX%. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1735: Co-Borrower has significant time at current job - xxx Comments: Co-borrower has been with current employer since XXX CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrowers have $XXXX available in reserves; $XXX in reserves required. | |||||||||||||||
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DT is below guideline maximum of XX% CFCFS2860: Good credit history - xxx Comments: No derogatory credit history in the past XXX months. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX credit score is below guideline minimum of XXX. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI is below guideline maximum of XXX% CFCFS2860: Good credit history - xxx Comments: No derogatory credit history in the past XXX months. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX credit score is above guideline minimum of XXX. | |||||||||||||||
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement - xxx Comments: DTI XXX% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Qualifying credit score XXX |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC2488 | Verbal verification of employment missing | No | Missing 3rd party verification for XXX B1 XXX% owner | 6.17.2025 Client provided 3rd party SOS dated XXX for business: XXX for B1 and k1's in file support being XXX% owner | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - xxx Comments: DTI XXX% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Qualifying credit score XXX |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS2860: Good credit history - xxx Comments: No derogatory credit history in the past XXX months. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI is below guideline maximum of XXX% CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXXcredit score exceed guideline minimum of XXX. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Assets sourced $XXX. Post-closing reserves. Cash reserve $$XXX or XXX PITI months reserves. Required reserves: Subject XXX months PITI, and $XXX in reserves for XXX#XXX outstanding balance. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3966 | TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected | No | Final CD XXX, section Loan Disclosures Escrow Account - neither of You declined it and/or Your lender does not offer one are selected. Condition is pending receiving corrected PCD with LOE to borrower. | 06/24/25 Client provided an LOE to Borrower and corrected XXX PCCD. | Condition Satisfied. | Non-Numeric | Not Applicable | CFCFS2860: Good credit history - xxx Comments: No derogatory credit history in the past XXX months. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI is below guideline maximum of XXX% CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXXcredit score exceed guideline minimum of XXX. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Assets sourced $XXX. Post-closing reserves. Cash reserve $$XXX or XXX PITI months reserves. Required reserves: Subject XXX months PITI, and $XXX in reserves for XXX#XXX outstanding balance. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Credit | Assets | Satisfied | D | A | D | A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing XXX bank statement for XXX#XXX. XXX bank statement in the file. | 6.23.2025 Client provided XXX Asset verification for XXX #XXX dated XXX with history from XXX - XXX and Wells Fargo full XXX statement in file | Condition satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history - xxx Comments: No derogatory credit history in the past XXX months. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI is below guideline maximum of XXX% CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXXcredit score exceed guideline minimum of XXX. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Assets sourced $XXX. Post-closing reserves. Cash reserve $$XXX or XXX PITI months reserves. Required reserves: Subject XXX months PITI, and $XXX in reserves for XXX#XXX outstanding balance. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final Closing Disclosure does not reflect all the required seller-paid fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1736: Significant time at current residence - xxx Comments: Borrower has XXX Years at Current Residence CFCFS2854: Significant time in profession - xxx Comments: Borrower has XXX Years in Current Profession CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: ASSETS Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in amount of $XXX due to increased Credit Report fee on CD XXX. COC XXX in file is stating fee increased due to added borrower. Loan originated and closed with only one borrower. Invalid reason for this increase. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 06/17/25 Client provided a XXX COC indicating credit re-pulled with borrower authorization to increase credit score, along with an Email confirmation from the Borrower (dated XXX) agreeing to the credit report in an effort to re-score (new CR in file dated XXX). | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - xxx Comments: Borrower has XXX Years at Current Residence CFCFS2854: Significant time in profession - xxx Comments: Borrower has XXX Years in Current Profession CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: ASSETS Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: High Credit XXX Guidelines allow XXX CFCFS1736: Significant time at current residence - xxx Comments: Borrower has XXX Years at Current Residence CFCFS2854: Significant time in profession - xxx Comments: Borrower has XXX Years in Current Profession |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | RESPA | Satisfied | B | A | B | A | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | Missing list of homeowners counseling organizations | 06/03/25 Client provided a duplicate copy of the Counseling Acknowledgment. Condition remains. Provide the full 10 organizations List for review.06/11/25 Client provided 2 more duplicate copies of the Counseling Acknowledgment only. Condition remains. Provide the full 10 organizations List for review.06/25/25 Client provided the XXX Homeownership Counseling Organization List including the 10 required agencies. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI is below guideline requirement of XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrowers have XXX months PITI. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | RESPA | Waived | B | B | B | B | CMPRESPA2700 | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | 06/25/25 Client provided the missing Homeownership Counseling Organization List including the 10 required agencies, however the disclosure date is XXX which is more than 3 days from Application. | 06/25/25 Client provided an approved exception for the HC List timing violation. | Initial and Final Grade B. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI is below guideline requirement of XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrowers have XXX months PITI. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI is below guideline requirement of XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrowers have XXX months PITI. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC2408 | Income verification does not meet guidelines | No | Only 2023 business tax returns due to 2024 on extension, missing 2nd year business tax returns | 6.20.2025 Client provided LOX stating, 2022 returns for XXX and XXX in loan file. Business returns are not required for XXX. Please advise what is missing. Response, Agree file have 2022 and 2023 business returns for both businesses XXX and XXX and XXX is < XXX% owner and file having 2023/2022 k1 however upon review of income documents appears for Year 2022 XXX k1 (pg. 688) reflect XXX% owner was XXX. (XXX) and our borrower became XXX% owner of this business in year 2023 (per k1 pg. 712), positive income is being used for qualifying for this business: XXX however Year 2022 borrower did not have any ownership and Year 2023 borrower now having XXX% ownership and 2024 is under extension. Note: appears XXX was XXX% owner of this business: XXX in Year 2022 and now in Year 2023 borrower is XXX% owner. DTI is still under review and Final 1003 reflect no start date for Borrower employment w/XXX (left blank) 6/23 client provided an Email that " Borrower is qualifying with W-2 wages only from XXX and XXX, not using any K-1 income from XXX. LOX in file indicates he joined in 2023" Upon review removed income from XXX | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Reserves $XXX or XXX months CFCFS1744: DTI below guideline requirement - xxx Comments: DTI XXX% |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; max XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX * XXX= $XXX reserves required. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; max XXX%. | |||||||||||||||
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Verified reserves of $XXX; total reserves required $XXX. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score; XXX required. CFCFS1734: Borrower has significant time at current job - xxx Comments: XXX years, XXX months at current job. | |||||||||||||||
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXXcredit score exceed guideline minimum of XXX CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI is below guideline maximum of XXX% CFCFS2860: Good credit history - xxx Comments: No derogatory credit history in the past XXX months. CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV is below guideline maximum of XXX% | |||||||||||||||
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1739: Positive mortgage payment history - xxx Comments: Borrower has XXX months of 0x30 on current mortgage CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI | |||||||||||||||
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-Paid fees indicated on Seller CD are not disclosed on page 2 of the Borrowers Final CD. | (No Data) | Condition satisfied. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% CLTV below guideline requirements of XXX% per program. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrowers have XXX months PITI in reserves. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Insurance | Satisfied | C | A | C | A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Missing insurance policy covering loan amount of $XXX. | 6/19 Client provided the insurance replacement cost estimate showing sufficient coverage exists | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% CLTV below guideline requirements of XXX% per program. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrowers have XXX months PITI in reserves. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | B | A | A | A | C | A | C | A | B | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX * XXX = $XXX reserves required. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; max XXX%. CFCFS2854: Significant time in profession - xxx Comments: Borrower has been in the same profession for XXX years. CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% DTI; max XXX%. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | B | A | A | A | C | A | C | A | B | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Initial CD XXX was e-signed by borrower on XXX; however, there is no evidence in file of when it was delivered to the borrower. Product not disclosed at least XXX day prior to closing date of XXX. Confirmed Receipt of the Initial CD on XXX does not provide the required XXX day waiting period before Closing on XXX | 06/09/25 Client provided the XXX disclosure tracking details confirming borrower received and Viewed the CD on XXX | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX * XXX = $XXX reserves required. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; max XXX%. CFCFS2854: Significant time in profession - xxx Comments: Borrower has been in the same profession for XXX years. CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% DTI; max XXX%. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | B | A | A | A | C | A | C | A | B | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Initial CD XXX was e-signed by borrower on XXX; however, there is no evidence in file of when it was delivered to the borrower. Confirmed Receipt of the Initial CD on XXX does not provide the required XXX day waiting period before Closing on XXX. | 06/09/25 Client provided the XXX disclosure tracking details confirming borrower received and Viewed the CD on XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX * XXX = $XXX reserves required. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; max XXX%. CFCFS2854: Significant time in profession - xxx Comments: Borrower has been in the same profession for XXX years. CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% DTI; max XXX%. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | B | A | A | A | C | A | C | A | B | A | A | A | C | A | Credit | Credit/Mtg History | Satisfied | B | A | B | A | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing 0x30x12 verification of rent for XXX in accordance with XXX AUS guides. | 6/20 Client provided the VOR | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX * XXX = $XXX reserves required. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; max XXX%. CFCFS2854: Significant time in profession - xxx Comments: Borrower has been in the same profession for XXX years. CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% DTI; max XXX%. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Determine status upon review / receipt on missing income and VOE docs | 6/27 Client provided the executed Offer letter | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | RESPA | Satisfied | B | A | B | A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | The file does not contain a copy of the Affiliate Business Disclosure, the FACTS disclosure reflects XXX | 06/10/25 Client provided a signed LOE from Lender stating they are only affiliated with XXX in MO and IL. Subject is in MD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Income/Employment | Satisfied | B | A | B | A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Note date XXXB1 start date XXXProvide missing prior VOE from XXX - XXX to complete required 24 month employment history. May be subject to additional conditions upon review. | 6/16 Client provided the Prior VOE through XXX | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC2488 | Verbal verification of employment missing | No | File is missing a Verbal Verification of Employment (VVOE) performed no more than XXX(XXX) business days prior to the Note date for the co-borrower's new employment. A letter from the new employer is expired. | 6/9 Client provided a XXX dated VVOE to verify Bwr is still scheduled to begin new employment XXX | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC2408 | Income verification does not meet guidelines | No | LP requires a YTD paystub for the co-borrower; however, start date with new employment is XXX and paystubs provided in the file are from the previous employer. File is missing a copy of the employment offer letter or employment contract that is fully executed and accepted by the borrower and is non-contingent or provide documentation, such as a letter or e-mails from the employer verifying all contingencies have been cleared. A letter from the new employer provided in the file does not indicate if all contingencies have been met and Freddie Mac guidelines do not indicate a letter from the new employer is acceptable in lieu of the fully executed employment offer letter or employment contract. | 6/9 Client provided a confirmation letter and VVOE confirming Borrower is scheduled to start new employment XXX with no open contingencies listed; However, the file is missing the fully executed Offer letter, which is required per FNMA to be executed by both employer and Borrower. 6/18 Client provided a XXX Email from the projected employer indicating there are still open contingencies such as background check and conflicts check remaining prior to employment; Provide evidence that all pre employment contingencies have been satisfied and the file is also missing the fully executed offer letter. 6/23 Client provided an Email that the Borrower has no more open contingencies and is Clear to start new employment; Condition remains for the fully executed offer letter required per FNMA to be executed by both employer and Borrower. 6/26 Client provided a signed Email from Employer indicating no contingencies remain (from the offer letter) and that Borrower is clear to start work XXX However, the file is missing and the condition remains for the fully executed initial Contract/ Job offer letter signed by al parties per FNMA GLs | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement - xxx Comments: DTI XXX% CFCFS1735: Co-Borrower has significant time at current job - xxx Comments: Co borrower at current employment XXX years |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX effective/reserves; $XXX * XXX + REO $XXX * XXX= $XXX reserves required. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; max XX%. | |||||||||||||||
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV; max XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX * XXX = $XXX reserves required. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; max XXX%. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Credit | Income/Employment | Satisfied | B | A | B | A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Missing verification of the existence of borrowers XXX to be verified through a third-party source and be no more than XXX calendar days prior to the Note date XXX. Pre-close voe provided reflects business was verified via borrower's license however evidence of license was not provided. A borrowers website is not acceptable third-party source. | 6.19.2025 Client provided SOS dated XXX verifying existence of business: XXX and provided VVOE for 2nd job income that is being used w/XXX dated XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been XXX in the same business for XXX years. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX*XXX= $XXX reserves required. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing | No | Missing lender's XXX and wage earner income calculations on form 1084 (or equivalent) and on income calculation worksheet or 1008, respectively, required for income analysis. | 6.19.2025 Client provided Lender Cash Flow Income Analysis with 1st income: XXX income calculation that is being used for qualifying, 2nd job income is w2 wage income | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been XXX in the same business for XXX years. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX*XXX= $XXX reserves required. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Credit | Title | Satisfied | C | A | C | A | CRDTIL100 | Potential title issue | No | Provide evidence to verify the security deed to XXX dated XXX for $XXX has been satisfied, cancelled and removed from title. | 6.19.2025 Client provided updated Title with removal of other lien w/XXX dated XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been XXX in the same business for XXX years. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX*XXX= $XXX reserves required. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing appraisal dated XXX with value of $XXX being used to qualify; pdf provided only has appraisal dated XXX with value of $XXX. Once provided review should update system entries accordingly. | 6.19.2025 Client provided copy of both appraisals in which is required for this refinance transaction with loan amount of $XXX; 1st appraisal dated XXX $XXX and 2nd appraisal dated XXX $XXX; lowest value is being used for an LTV/CLTV of XXX% | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been XXX in the same business for XXX years. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: $XXX reserves; $XXX*XXX= $XXX reserves required. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qual score; min XXX. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Unable to test a loan product due to missing initial CD in file. | 06/19/25 Client provided the Initial XXX CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: High Credit XXX Guidelines allow XXX CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | CD XXX is the only CD in file. Missing initial CD acknowledged by borrowers a minimum of XXX days prior to closing. | 06/19/25 Client provided the Initial XXX CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: High Credit XXX Guidelines allow XXX CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing verification of subject property taxes used in AUS of $XXX/month. The Tax Record Information Sheet is blank and there are no escrows shown on Final CD. | 6.20.2025 Client provided Letter from Title Escrow Officer verifying proposed taxes for subject property in the amount of $XXX for monthly $XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI below guideline requirement of XXX%. CFCFS5269: Minimal use of credit - xxx Comments: Borrowers are conservative credit users; minimal outstanding debt. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D | A | D | A | CMPTRID5107 | TRID - Seller CD not in file; need in order to complete fee entry | No | Seller CD not in file; needed in order to complete fee entry | 06/13/25 Client provided the Seller CD. | Condition Satisfied. | Not Applicable | Not Applicable | CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI below guideline requirement of XXX%. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrowers have XXX months PITIA in reserves. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Reserves$XXX or XXX months PITI CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV | |||||||||||||||
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final Closing Disclosure does not reflect all the required seller-paid fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX credit score exceed guideline minimum of XXX. CFCFS2860: Good credit history - xxx Comments: No derogatory credit history in the past XXX months. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI is below guideline maximum of XXX% |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC2488 | Verbal verification of employment missing | No | Borrower's business XXX has XXX% ownership interest in parent company XXX which pays borrower a regular W2 salary. File is missing the following:1) Verbal Verification of Employment (VVOE) performed no more than XXX(XXX) business days prior to the Note date from parent company.2) Verification of the existence of borrowers business verified through a third-party source and no more than XXX(XXX) calendar days prior to the Note date. | 6.17.2025 Client provided SOS dated XXX for XXX and XXX however still missing VVOE for parent company XXX 6/19 Client provided the VOE for XXX | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrower has XXX months of PITI available in reserves; XXX months required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score; XXXrequired. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; XXX% max allowed. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Verified reserves of $XXX; total reserves required $XXX. | |||||||||||||||
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | CMPMAN2956 | Missing disclosure | No | Per Disclosure Tracking Summary, a Closing Disclosure was issued on XXX which is missing from the file. | 06/24/25 Client provided the missing XXX CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score; XXX required. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; XXX% max allowed. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: Qualifying credit score XXX CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower XXX years at current employment |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fees that should be disclosed in Sections C, E, & H are not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrower has XXX months of PITI available in reserves; XXX months required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | Credit | Credit/Mtg History | Satisfied | B | A | B | A | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | File is missing verification of XXX and XXX rent payments from departing residence verifying 0X30 late payment in the last XXX months. | 6/25 Client provided an Email that XXX and XXX rent payments were in the file; Upon review not located in file; Condition remains for verification of XXX and XXX rent payments from departing residence verifying 0X30 late payment in the last XXX months.6/26 client provided CC statement with rental payments for XXX and XXX | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrower has XXX months of PITI available in reserves; XXX months required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-Paid fees indicated on Seller CD are not disclosed on page 2 of the Borrowers Final CD. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% % DTI is below guideline requirement of XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrower has XXX months PITIA in reserves. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: DTI XXX% CFCFS1737: LTV below guideline requirements - xxx Comments: LTV XXX% CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower at current employment XXX years | |||||||||||||||
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement - xxx Comments: DTI XXX% CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower at current employment XXX years CFCFS1737: LTV below guideline requirements - xxx Comments: LTV XXX% |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Final LE XXX is not signed and there is no evidence in file of when it was delivered to borrower. Delivery method defaults to the mailbox rule. | 06/23/25 Client provided the XXX LE Disclosure Tracking Details confirming receipt on XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - xxx Comments: DTI XXX% CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower at current employment XXX years CFCFS1737: LTV below guideline requirements - xxx Comments: LTV XXX% |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fees that should be disclosed in Sections C, E, & H are not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX score with XXX Min CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Assets verified for reserves are XXX or XXX months PITIA and required is XXX months CFCFS1744: DTI below guideline requirement - xxx Comments: XXX DTI with XXX MAX DTI |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID5741 | TRID - CD: In the CD Escrow section, You will have an escrow account is indicated, but any of the Escrowed Property Costs or Escrow Payment = $0 or Null | No | CD XXX : Escrow section - You will have an escrow account is indicated, but Initial Escrow Payment is Null. . Condition is pending LOX with corrected PCD to borrower. | 06/19/25 Client provided an LOE to borrower and corrected XXX PCCD. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX credit score |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; XXX% max allowed. CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score; XXX required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final Closing Disclosure does not reflect all the required seller-paid fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: Qualifying credit score XXX CFCFS1737: LTV below guideline requirements - xxx Comments: LTV XXX% |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Terms/Guidelines | Satisfied | D | A | D | A | CRDTER2548 | Missing AUS or AUS errors present | No | Missing DU approve/ineligible per 1008 | 6.17.2025 Client provided DU Approve/Ineligible findings Casefile ID XXX Submission #X submission dated XXXNote: DU reflect X of a cash flow assessment could not be conducted due to insufficient history of asset verification, don't appear to have any effect on DU Approval | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: Qualifying credit score XXX CFCFS1737: LTV below guideline requirements - xxx Comments: LTV XXX% |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score; XXX required. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; XXX% max allowed. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Verified reserves of $XXX; total reserves required $XXX |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Lender did not provide an ATR/QM status determination. | 6.12.2025 Client provided LOX stating, XXX accepts xxxs QM designation of QM APOR | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been with current employer since XXX. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score of XXX is 105 points above the minimum required score of XXX. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | A mortgage statement for borrowers' retained departure residence verified taxes and insurance are escrowed. Final 1003 shows additional monthly expense of $XXX. File is missing verification of this expense. | 6.16.2025 Client provided Lender UW LOE stating additional $XXX was for HOA dues and HOI, taxes were escrowed. Response, condition remains for HOA supporting $XXX (did not locate HOA in file), however HOI in file supporting $XXX mo. for departure residence: XXX Missing HOA 6/18 Client provided the HOA bill confirming $XXX payment | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been with current employer since XXX. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score of XXX is 105 points above the minimum required score of XXX. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: High Credit XXX Guidelines allow XXX CFCFS1736: Significant time at current residence - xxx Comments: Borrower has XXX Years at Current Residence CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Post Close Assets are $XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $XXX + XXX Months for Additional REO or $ XXX X XXX = $ XXX |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in amount of $XXX due to added CDA fee on LE XXX with no valid reasons documented on COC XXX. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 06/23/25 Client provided the CDA Invoice, a XXX COC and XXX Email from the loan Underwriter requesting the CDA order. Condition remains. The COC does not explain what "change" occurred that resulted in the CDA order. 06/25/25 Client provided an explanation for the CDA order due to the CU Rating of XX and LCA Rating of X. UCDP in file confirms. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: High Credit XXX Guidelines allow XXX CFCFS1736: Significant time at current residence - xxx Comments: Borrower has XXX Years at Current Residence CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Post Close Assets are $XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $XXX + XXX Months for Additional REO or $ XXX X XXX = $ XXX |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score; XXX required. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI; XXX% max allowed. | |||||||||||||||
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fees that should be disclosed in Sections B & H are not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS2860: Good credit history - xxx Comments: No derogatory credit history in the past XXX months. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI is below guideline maximum of XXX% CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV is below guideline of XXX% CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Cash reserves of XXX months PITI or $XXX exceed guideline of XXX months PITI for FTHB. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Terms/Guidelines | Waived | C | B | C | B | CRDTER4643 | Borrower does not meet guideline requirements | No | Loan closed in XXX Trust, not allowed per guidelines | 6.23.2025 Client provided exception approval to allow for closing in XXX Trust | Upon further review by Senior Underwriter, exception is deemed non-material. Exception approved, B Grade with compensating factors, DTI XXX% with verified reserves of $XXX and fico score XXX | (No Data) | Not Applicable | CFCFS2860: Good credit history - xxx Comments: No derogatory credit history in the past XXX months. CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI is below guideline maximum of XXX% CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV is below guideline of XXX% CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Cash reserves of XXX months PITI or $XXX exceed guideline of XXX months PITI for FTHB. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Credit/Mtg History | Satisfied | B | A | B | A | CRDCRMH124 | Collections, Liens, etc. not paid as required by guidelines | No | Borrowers have a State Tax Lien #XXX found on 3rd party fraud report, for $XXX dated XXX paid | 6.23.2025 Client provided County Clerk history of liens however need to verify the lien in question is paid in full. Condition remains 6.23.2025 Client provided evidence State Tax Lien #XXX have been recorded with CA as a release of Lien | condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Reserves$XXX or XXX months PITI. XXX months required CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Provide 2024 1040 Extension | 6/19 Client provided the 2024 1040 extension | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Reserves$XXX or XXX months PITI. XXX months required CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX qualifying score CFCFS1739: Positive mortgage payment history - xxx Comments: 0 x 30 > XXX months | |||||||||||||||
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Terms/Guidelines | Waived | C | B | C | B | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing terms of subordinated 2nd loan with XXX , subject to recalculation of all income when title comes in correctly | Missing terms of subordinate 2nd loan with XXX, lender 1008 and DU DTI is XXX% and DD Firm DTI is XXX%; appears difference in DTI is due to: (1). Lender 1008 using $XXX for subject 2nd lien payment and verified payment on Lender approval is $XXX and (2). missing XXX months evidence of business paying XXX #XXX(payment $XXX) (removed from our DTI) per Lender UW memo in file (pg. 917) stating we verified XXX months paid on time by business. Note: if final DTI is XXX% due to 2nd lien payment being higher, updated DU will be required, currently DU DTI is XXX%6.17.2025 Client provided most recent XXX months business bank statements XXX #XXX (XXX - XXX) verifying business making monthly payment of $XXX XXX Bank debt (omitted from DTI), in addition Lender provided a calculator using interest only with loan amount of $XXX and payment of $XXX however loan approval in file reflect based on minimum draw of $XXX initial HELOC mortgage payment is $XXX; condition remains file now have different information regarding monthly 2nd payment, currently DD Firm is using the HELOC approval payment of $XXX in file for a DTI of XXX% and Lender using monthly HELOC payment of $XXX for DTI of XXX% 6.17.2025 Client provided exception approval to allow for Lender interest only calculation for monthly payment of $XXX which is the DU approval DTI of XXX% however when considered the Lender HELOC approval in file that reflect monthly payment would be $XXX based on minimum draw of $XXX (pg. 354) in which would require an updated DU to support an DTI of XXX%; DTI still within guidelines maximum considering the higher monthly HELOC payment of $XXX | Upon further review by Senior Underwriter, exception is deemed non-material. Exception approved, B Grade with compensating factors, Low HCLTV XXX%, FICO Score XXX | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: Qualifying credit score XXX CFCFS1737: LTV below guideline requirements - xxx Comments: CLTV XXX% |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Title | Satisfied | D | A | D | A | CRDTIL865 | Title incomplete | No | 1)Missing corrected title in borrowers name, still in business name, 2)missing verification borrower has owned the property for a minimum of XXX months per DU for cash out proceeds 3) title must be free and clear of all loans except new 1st and 2nd mortgages on subject property | 6.11.2025 Client provided LOX regarding initial condition. Response, warranty deed in file (pg. 591) out of LLC name into borrower name, XXX months evidence verified owned since XXX (pg. 535) and per email from Title was free and clear of liens (pg. 536) however Title #6 do reflect a Notice of Commencement (pg. 881) and file having an email from Title (pg. 498) stating We have reached out to the contractor for the Final Affidavit and will have the borrower sign a Termination at closing to be recorded. Condition remains for a copy of this signed Termination (from closing) by Borrower along with the Final Affidavit from contractor OR provide Final Title with clearance of this item (#6) 6.17.2025 Client provided copy of Final Title Commitment dated XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: Qualifying credit score XXX CFCFS1737: LTV below guideline requirements - xxx Comments: CLTV XXX% |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Determine status upon review / receipt of missing VOEs and disposition of undisclosed REO | 6/11 Client provided REO docs and VOE | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV CFCFS1739: Positive mortgage payment history - xxx Comments: 0 x 30 for XXX months |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV CFCFS1739: Positive mortgage payment history - xxx Comments: 0 x 30 for XXX months |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Credit | Assets | Satisfied | C | A | C | A | CRDAST3036 | Assets reflect unsourced deposits | No | Provide sufficient documentation to source the following deposits. May be subject to additional conditions upon review.1. XXX# XXX XXX XXX2. XXX# XXX XXX XXX3. XXX# XXX XXX XXX | 6/20 Client provided documents to source the deposits | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV CFCFS1739: Positive mortgage payment history - xxx Comments: 0 x 30 for XXX months |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Credit | Credit/Mtg History | Satisfied | C | A | C | A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | Provide documentation supporting XXX from exclusion on 1003 / 1008 and DTI. This property is reflected on xxx's Drive report. May be subject to additional conditions upon review. | 6.10.2025 Client provided LOX requesting full address: XXX is full address. Condition remains 6/11 Client provided a XXX report showing Bwr does not own XXX | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV CFCFS1739: Positive mortgage payment history - xxx Comments: 0 x 30 for XXX months |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing | No | Per guidelines, provide XXX calc worksheets for each of below, meeting requirements.1. XXX2. XXX | 6.10.2025 Client provided Lender Cash Flow Analysis for both businesses: 1120s XXX and 1120s XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV CFCFS1739: Positive mortgage payment history - xxx Comments: 0 x 30 for XXX months |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Credit | Income/Employment | Waived | B | B | B | B | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Provide VOES for both 1120s used for qualification, meeting XXX guidelines. VOES reference XXX - no printouts in file. Business website printout in file also insufficient. May be subject to additional conditions upon review. | 6.10.2025 Client provided exception approval to allow for Lender VVOE in file (for both 1120s businesses) stating verified XXX with business search and CPA Letter in file verifies have filed the 2023 tax returns and not aware of any changes to the filed return and file having signed dated end of year 2024 P/L and YTD March 2025 P/L for both businesses. | Upon further review by Senior Underwriter, exception is deemed non-material. Exception approved, B Grade with compensating factors, FICO Score XXX, DTI XXX%, Low LTV XXX% and with current XXX over XXX years | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV CFCFS1739: Positive mortgage payment history - xxx Comments: 0 x 30 for XXX months |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Credit | Terms/Guidelines | Satisfied | D | A | D | A | CRDTER2548 | Missing AUS or AUS errors present | No | Per 1008 and 1003 Lender used XXX monthly income from 1120s XXX Provide updated DU findings reflecting this income amount. May be subject to additional conditions upon review. | 6/24 Client provided an Email that " DU includes all income used to qualify including XXX income"; Upon review both Lender income Worksheets and DD income WS show that the $XXX income used to qualify is only from XXX; XXX income $XXX was not included; DD not using income from XXX and qualifying only with $XXX. validated for XXX | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV CFCFS1739: Positive mortgage payment history - xxx Comments: 0 x 30 for XXX months |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Documentation | Satisfied | D | A | D | A | CMPDOC869 | Mortgage not signed | No | Mortgage only indicates/signed by Borrower 1 and 2 only. All XXX borrowers on Title. Mortgage missing Borrower XXX. | 06/18/25 Client provided an Email LOX and the following Seller comment: The borrowers parents are Cosigners. Please see LOX. They are then not required to sign the Mortgage. Condition remains. The parents are on Title and therefore required to sign the Mortgage.06/25/2025 Client provided recorded Mortgage deed XXX and Final Title Policy XXX not listing parents. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - xxx Comments: DTI XXX% CFCFS1737: LTV below guideline requirements - xxx Comments: LTV XXX% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Qualifying credit score XXX CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower at current employment XXX years CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Reserves $XXX or XXX months |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | Non-QM: Lender documented all ATR UW factors | C | C | C | C | A | A | C | C | C | C | C | C | A | A | C | C | Compliance | Ability to Repay/Qualified Mortgage | Active | C | C | C | C | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; xxx's status determination places loan in a riskier status than the Lender's status determination. | Yes | Loan subject to Ability to Repay/Qualified Mortgage rule; xxx's status determination places loan in a riskier status than the Lender's status determination. Borrowers DTI XXX%. For Borrowers departing residence lender used $XXX/month PITI to offset the payment. Using this PITI rental income was positive and not used. The most current mortgage statement shows $XXX/month. Using Lease of $XXX x XXX%% rental income is now a negative $XXX/month. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history - xxx Comments: Borrowers have XXX months of 0x30 on current mortgage CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX credit score. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | Non-QM: Lender documented all ATR UW factors | C | C | C | C | A | A | C | C | C | C | C | C | A | A | C | C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1739: Positive mortgage payment history - xxx Comments: Borrowers have XXX months of 0x30 on current mortgage CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX credit score. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | Non-QM: Lender documented all ATR UW factors | C | C | C | C | A | A | C | C | C | C | C | C | A | A | C | C | Credit | DTI | Active | B | B | B | B | CRDDTI106 | Debt Ratio Exception >5% and <10% | No | Borrowers DTI XXX%. For Borrowers departing residence lender used $XXX/month PITI to offset the payment. Using this PITI rental income was positive and not used. The most current mortgage statement shows $XXX/month. Using Lease of $XXX x XXX%% rental income is now a negative $XXX/month. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history - xxx Comments: Borrowers have XXX months of 0x30 on current mortgage CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX credit score. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | Non-QM: Lender documented all ATR UW factors | C | C | C | C | A | A | C | C | C | C | C | C | A | A | C | C | Credit | Income/Employment | Active | C | C | C | C | CRDINC888 | Income Amount is Unsupported by Documentation in File | Yes | Borrower 2 is employed with XXX and XXX. Gift sources came from Bank Statements for XXX and XXX, therefore B2 is employed by Family. Provide XXX years most recent tax transcripts and Borrowers potential ownership in the business. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history - xxx Comments: Borrowers have XXX months of 0x30 on current mortgage CFCFS1741: Credit score exceeds guidelines - xxx Comments: XXX credit score. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. ALTA Settlement in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Borrower has $XXX available in reserves; $XXX in reserves required. CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been with current employer since XXX CFCFS1737: LTV below guideline requirements - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - xxx Comments: High Credit XXX Guidelines allow XXX CFCFS2860: Good credit history - xxx Comments: Borrower Has history of Good credit with 0 Late Payments > XXX Months CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX |
| Client Name: | ||||
| Client Project Name: | SEMT 2025-7 | |||
| Start - End Dates: | 2/3/2025 - 6/24/2025 | |||
| Deal Loan Count: | 132 | |||
| Conditions Report 2.0 | ||||
| Loans in Report: | 132 | |||
| Loans with Conditions: | 107 | |||
| Loan Number | TRID Indicator | Lender Application Date | Broker Application Date | Initial Securitization Overall Loan Grade | Final Securitization Overall Loan Grade | Initial Securitization Credit Loan Grade | Final Securitization Credit Loan Grade | Initial Securitization Property Valuations Loan Grade | Final Securitization Property Valuations Loan Grade | Initial Securitization Compliance Loan Grade | Final Securitization Compliance Loan Grade | Initial S&P Overall Loan Grade | Final S&P Overall Loan Grade | Initial S&P Credit Loan Grade | Final S&P Credit Loan Grade | Initial S&P Property Valuations Loan Grade | Final S&P Property Valuations Loan Grade | Initial S&P Compliance Loan Grade | Final S&P Compliance Loan Grade | Did Lender Acknowledge Exception at Origination |
| XXXX | Yes | XXXXXX | XXXXXX | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | No |
| XXXX | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | D | B | A | A | D | A | C | B | D | B | A | A | D | A | C | B | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | No |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | No |
| XXXX | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | No |
| XXXX | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | C | B | B | A | A | A | C | B | C | B | B | A | A | A | C | B | No |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | No |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| XXXX | Yes | XXXXXX | XXXXXX | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | No |
| XXXX | Yes | XXXXXX | XXXXXX | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | B | A | D | A | D | A | A | A | B | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| XXXX | Yes | XXXXXX | XXXXXX | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| XXXX | Yes | XXXXXX | XXXXXX | D | B | D | B | A | A | D | B | D | B | D | B | A | A | D | B | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | B | A | D | A | D | A | A | A | B | A | No |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | No |
| XXXX | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | No |
| XXXX | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| XXXX | Yes | XXXXXX | XXXXXX | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | D | D | D | A | A | A | D | D | D | D | D | A | A | A | D | D | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No |
| XXXX | Yes | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | D | D | D | D | A | A | D | D | D | D | D | D | A | A | D | D | No |
| XXXX | Yes | XXXXXX | XXXXXX | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | No |
| XXXX | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| XXXX | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | No |
| XXXX | Yes | XXXXXX | XXXXXX | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | No |
| XXXX | Yes | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | No |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | C | A | B | A | A | A | C | A | C | A | B | A | A | A | C | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| XXXX | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| XXXX | Yes | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | No |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Yes |
| XXXX | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| XXXX | Yes | XXXXXX | XXXXXX | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | No |
| XXXX | Yes | XXXXXX | XXXXXX | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | C | C | C | C | A | A | C | C | C | C | C | C | A | A | C | C | No |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |