J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G
Exhibit 99.3
| Customer Loan ID | Loan Exception ID | Exception ID | Exception Date | Exception Type | Exception Category | Exception Subcategory | 15E Category | Exception | Exception Detail | Exception Information | Compensating Factors | Compensating Factor Information | Applying Party | Follow-up Comments | Cleared Date | Cured Date | Waived Date | Exception Level Grade | DBRS Initial Exception Rating | DBRS Final Exception Rating | Fitch Initial Exception Rating | Fitch Final Exception Rating | Kroll Initial Exception Rating | Kroll Final Exception Rating | Moody's Initial Exception Rating | Moody's Final Exception Rating | S&P Initial Exception Rating | S&P Final Exception Rating | Note Date | Property State | Occupancy | Purpose | Exception Remediation | Overall Initial Loan Grade |
Overall Final Loan Grade |
Credit Initial Loan Grade |
Credit Final Loan Grade |
Compliance Initial Loan Grade |
Compliance Final Loan Grade |
Property Initial Loan Grade |
Property Final Loan Grade |
Originator QM ATR Status | TPR QM ATR Status | Is Curable |
| 304097707 | 30179085 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx | xxxx |
02/14/2024 | 1 | B | A | C | A | B | A | C | A | B | A | CO | Second Home | Purchase | Lender to provide updated ATR/QM status | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 304097707 | 30179086 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |
02/14/2024 | 1 | C | A | C | A | C | A | C | A | C | A | CO | Second Home | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304427828 | 32134108 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx | xxxx |
11/15/2024 | 1 | C | A | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||
| 304427828 | 32134110 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | xxxx |
12/08/2024 | 1 | B | A | C | A | B | A | C | A | B | A | NV | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | A | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| 304427026 | 32270129 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx | xxxx |
12/12/2024 | 1 | B | A | C | A | B | A | C | A | B | A | IL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304427026 | 32270130 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |
12/12/2024 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304437786 | 32292928 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx | xxxx |
12/05/2024 | 1 | B | A | C | A | B | A | C | A | B | A | IN | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304437786 | 32292929 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx | xxxx |
12/05/2024 | 1 | C | A | C | A | C | A | C | A | C | A | IN | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304437785 | 32503361 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | xxxx | xxxx |
06/17/2025 | 1 | A | A | A | A | A | UT | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| 304436427 | 32362536 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | - | xxxx | xxxx |
01/28/2025 | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||
| 304436427 | 32362620 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx | xxxx |
12/23/2024 | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Refinance - Cash-out - Other | No Defined Cure | C | A | A | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||
| 304439200 | 32365037 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx | 2 | B | B | B | B | B | B | B | B | B | B | MI | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304459323 | 32435786 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | xxxx |
01/08/2025 | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | A | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| 304456466 | 32445047 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx | xxxx |
12/31/2024 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304458022 | 32445862 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of $11,071.25 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
01/21/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NH | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304458022 | 32490777 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | xxxx | xxxx |
01/20/2025 | 2 | C | B | C | B | C | B | C | B | C | B | NH | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304462426 | 32469473 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx | 2 | B | B | B | B | B | B | B | B | B | B | IN | Primary | Refinance - Cash-out - Other | C | B | B | B | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304462426 | 32503596 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | xxxx |
01/14/2025 | 1 | B | A | C | A | B | A | C | A | B | A | IN | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | B | B | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| 304462112 | 32502666 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $266.00 exceeds tolerance of $191.00 plus 10% or $210.10. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
12/27/2024 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | B | B | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| 304462112 | 32515157 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |
01/08/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | B | B | B | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| 304462112 | 32515158 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | xxxx |
01/14/2025 | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | B | B | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| 304462112 | 32515174 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | C | B | B | B | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304462112 | 32646672 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Borrower has been employed in the same industry for more than 5 years. Borrower has owned the subject property for at least 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The representative FICO score exceeds the guideline minimum by at least 40 points. The representative FICO score is above 680. |
Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
01/30/2025 | 2 | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | C | B | B | B | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304470071 | 32492628 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | xxxx |
06/17/2025 | 1 | B | A | C | A | B | A | C | A | B | A | MT | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | A | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| 304470071 | 32642147 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | xxxx | xxxx |
06/17/2025 | 1 | A | A | A | A | A | MT | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| 304462111 | 32516947 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | xxxx | xxxx |
01/13/2025 | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | A | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| 304458631 | 32540340 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx | xxxx |
01/08/2025 | 1 | C | A | C | A | C | A | C | A | C | A | MN | Primary | Refinance - Cash-out - Other | No Defined Cure | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 304458631 | 32540398 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | xxxx | xxxx |
01/09/2025 | 1 | C | A | C | A | C | A | C | A | C | A | MN | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304458631 | 32545329 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx | xxxx |
01/09/2025 | 1 | B | A | C | A | B | A | C | A | B | A | MN | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304458631 | 32545330 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx | xxxx |
01/09/2025 | 1 | C | A | C | A | C | A | C | A | C | A | MN | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304458626 | 32581589 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | xxxx |
01/14/2025 | 1 | B | A | C | A | B | A | C | A | B | A | SC | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | A | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| 304470389 | 32602553 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | xxxx | Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The representative FICO score is above 680. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
01/30/2025 | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 304471961 | 32680096 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - Partnership | General QM: Unable to verify Partnership income using reasonably reliable third-party records. | xxxx | xxxx |
03/24/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304471961 | 32680097 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - Partnership | General QM: Unable to verify Partnership income using reasonably reliable third-party records. | xxxx | xxxx |
03/24/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304471961 | 32680098 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - Partnership | General QM: Unable to verify Partnership income using reasonably reliable third-party records. | xxxx | xxxx |
03/24/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304471961 | 32680099 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - Partnership | General QM: Unable to verify Partnership income using reasonably reliable third-party records. | xxxx | xxxx |
03/24/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304471961 | 32680100 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - Partnership | General QM: Unable to verify Partnership income using reasonably reliable third-party records. | xxxx | xxxx |
03/24/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304471961 | 32680101 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - Partnership | General QM: Unable to verify Partnership income using reasonably reliable third-party records. | xxxx | xxxx |
03/24/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304471961 | 32680102 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - Partnership | General QM: Unable to verify Partnership income using reasonably reliable third-party records. | xxxx | xxxx |
03/24/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304471961 | 32680103 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - S-Corp | General QM: Unable to verify S-Corp income using reasonably reliable third-party records. | xxxx | xxxx |
03/24/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304471961 | 32680105 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $780.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
01/24/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304471961 | 32680106 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $69.55 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
01/24/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304471961 | 32680111 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx | xxxx |
03/24/2025 | 1 | B | A | C | A | B | A | C | A | B | A | TX | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304471961 | 32700505 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $780.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
01/24/2025 | 1 | A | A | A | A | A | TX | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||||
| 304471961 | 32700506 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $69.55 exceeds tolerance of $64.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
01/24/2025 | 1 | A | A | A | A | A | TX | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||||
| 304472655 | 32678798 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | 2 | B | B | B | B | B | B | B | B | B | B | LA | Primary | Refinance - Cash-out - Other | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304472655 | 32678811 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx | xxxx |
01/24/2025 | 1 | C | A | C | A | C | A | C | A | C | A | LA | Primary | Refinance - Cash-out - Other | No Defined Cure | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 304472655 | 32700326 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $56.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
01/24/2025 | 1 | A | A | A | A | A | LA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||||
| 304441699 | 32679454 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | xxxx |
01/24/2025 | 1 | B | A | C | A | B | A | C | A | B | A | MI | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | A | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| 304481699 | 32680460 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | 2 | B | B | B | B | B | B | B | B | B | B | SC | Primary | Refinance - Cash-out - Other | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304481699 | 32680552 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | xxxx | xxxx |
02/04/2025 | 2 | C | B | C | B | C | B | C | B | C | B | SC | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304472750 | 32680412 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx | 2 | B | B | B | B | B | B | B | B | B | B | NH | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304470357 | 32694404 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated xx/xx/xxxx). The disclosed Total of Payments in the amount of $xxxx is under disclosed by $xxxx compared to the calculated total of payments of $xxxx which exceeds the $35.00 threshold. | xxxx | xxxx |
02/17/2025 | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304470357 | 32694446 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date. Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The qualifying DTI on the loan is less than or equal to 35%. The refinance has decreased the borrower's monthly debt payments by 20% or more. The representative FICO score exceeds the guideline minimum by at least 40 points. The representative FICO score is above 680. |
Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
01/31/2025 | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||
| 304470357 | 32697366 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | xxxx | xxxx |
02/15/2025 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304467578 | 32710498 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | xxxx |
02/11/2025 | 1 | B | A | C | A | B | A | C | A | B | A | OK | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | A | A | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| 304467578 | 32710499 | Compliance | Compliance | State Compliance | State HPML | (State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | Oklahoma Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 1.5%, or xxxx%. Compliant Higher Priced Loan. | 2 | B | B | B | B | B | B | B | B | B | B | OK | Primary | Refinance - Cash-out - Other | No obvious cure | C | B | A | A | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304467578 | 32710501 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $580.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
01/29/2025 | 1 | C | A | C | A | C | A | C | A | C | A | OK | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| 304467578 | 32728893 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $580.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
01/29/2025 | 1 | A | A | A | A | A | OK | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | A | A | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||||||
| 304467578 | 33681228 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | xxxx |
06/23/2025 | 1 | A | A | A | A | A | OK | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||||
| 304485319 | 32755057 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
02/05/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | A | A | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| 304485319 | 32755058 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
02/05/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable | C | A | A | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| 304481623 | 32731157 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | 2 | B | B | B | B | B | B | B | B | B | B | UT | Primary | Refinance - Cash-out - Other | C | B | B | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304481623 | 32731184 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | xxxx | xxxx |
02/07/2025 | 2 | C | B | C | B | C | B | C | B | C | B | UT | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | B | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| 304481623 | 32731186 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx | xxxx |
02/02/2025 | 1 | C | A | C | A | C | A | C | A | C | A | UT | Primary | Refinance - Cash-out - Other | No Defined Cure | C | B | B | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||
| 304510332 | 32769392 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $9,200.00 exceeds tolerance of $9,040.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
02/05/2025 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304510332 | 32769393 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $355.14 exceeds tolerance of $350.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
02/05/2025 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304510332 | 32797046 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $355.14 exceeds tolerance of $350.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
02/05/2025 | 1 | A | A | A | A | A | WA | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||||
| 304481700 | 32740217 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Purchase | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304481700 | 32740308 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-4,393.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
02/05/2025 | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304481700 | 32740309 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $150.80 exceeds tolerance of $150.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
02/05/2025 | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304481700 | 32786645 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $150.80 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
02/05/2025 | 1 | A | A | A | A | A | MD | Primary | Purchase | Final CD evidences Cure | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||||
| 304487855 | 32739391 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304487855 | 32739420 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $238.75 exceeds tolerance of $195.00 plus 10% or $214.50. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
01/30/2025 | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304487855 | 32739421 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $278.07 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
01/30/2025 | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304471502 | 32769763 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | xxxx |
02/11/2025 | 1 | B | A | C | A | B | A | C | A | B | A | IL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | B | B | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| 304471502 | 32769764 | Compliance | Compliance | State Compliance | State Defect | Illinois SB 1894 | IL Predatory Lending Database Program (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording. | xxxx | xxxx |
02/11/2025 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Cash-out - Other | C | B | B | B | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||
| 304471502 | 32769810 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx | 2 | B | B | B | B | B | B | B | B | B | B | IL | Primary | Refinance - Cash-out - Other | C | B | B | B | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304471154 | 32797727 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | xxxx |
02/18/2025 | 1 | B | A | C | A | B | A | C | A | B | A | PA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | D | A | C | A | C | A | D | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| 304471154 | 32797747 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | xxxx |
02/11/2025 | 1 | D | A | D | A | D | A | D | A | D | A | PA | Primary | Refinance - Cash-out - Other | D | A | C | A | C | A | D | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304471154 | 32797760 | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | The transaction closed as a refinance of a primary residence, and the valuation reflects that the subject property is vacant. Unable to verify occupancy. | - | xxxx | xxxx |
03/05/2025 | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | D | A | C | A | C | A | D | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||
| 304471154 | 32805191 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title vesting does not concur with deed | xxxx | xxxx |
02/11/2025 | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | D | A | C | A | C | A | D | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| 304475035 | 32797929 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of $9,502.93 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
03/05/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| 304475035 | 32797930 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $592.70 exceeds tolerance of $560.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
02/11/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| 304475035 | 32797931 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,900.72 exceeds tolerance of $1,252.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
02/18/2025 | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| 304472706 | 32801870 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx |
12/31/2024 | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304472706 | 32801874 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx | xxxx |
01/13/2025 | 1 | B | A | B | A | B | A | B | A | B | A | MD | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304472706 | 32801875 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx | xxxx |
01/08/2025 | 1 | B | A | C | A | B | A | C | A | B | A | MD | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304472706 | 32801876 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |
01/07/2025 | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304472706 | 32801877 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xx/xx/xxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | xxxx | xxxx |
12/31/2024 | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304472706 | 32801879 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | xxxx | xxxx |
12/31/2024 | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304511464 | 32829189 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | xxxx | The qualifying DTI on the loan is at least 10% less than the guideline maximum. Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The refinance has decreased the borrower's monthly debt payments by 20% or more. The representative FICO score exceeds the guideline minimum by at least 40 points. The representative FICO score is above 680. |
38.26435% DTI | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
02/11/2025 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||
| 304471801 | 32837040 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The appraisal indicates the roof on the home and outbuilding are to be replaced prior to closing. No documentation provided | The representative FICO score exceeds the guideline minimum by at least 40 points. Borrower has verified disposable income of at least $2500.00. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The representative FICO score is above 680. |
784 FICO | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
02/25/2025 | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Purchase | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||
| 304487622 | 32836946 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of $5,586.17 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
02/17/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| 304480876 | 32897133 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $157.00 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
02/19/2025 | 1 | A | A | A | A | A | A | A | A | A | A | VA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| 304492925 | 32886977 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $105.00 exceeds tolerance of $80.00 plus 10% or $88.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
02/19/2025 | 1 | A | A | A | A | A | A | A | A | A | A | IN | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | C | A | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||
| 304492925 | 32886978 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $177.58 exceeds tolerance of $100.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
02/19/2025 | 1 | A | A | A | A | A | A | A | A | A | A | IN | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | C | A | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||
| 304492925 | 32886979 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | xxxx | xxxx |
03/17/2025 | 2 | C | B | C | B | C | B | C | B | C | B | IN | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | C | A | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| 304492925 | 32896610 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | Pension Income documentation is missing. | xxxx |
02/26/2025 | 1 | C | A | C | A | C | A | C | A | C | A | IN | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||
| 304632917 | 32908491 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $575.00 exceeds tolerance of $550.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
02/21/2025 | 1 | A | A | A | A | A | A | A | A | A | A | MI | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| 304632917 | 32908529 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
03/25/2025 | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304632917 | 32908530 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
03/25/2025 | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304492597 | 32908709 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | xxxx | 2 | B | B | B | B | B | B | B | B | B | B | WI | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304493949 | 32910013 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $150.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
04/10/2025 | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304632627 | 32908364 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Borrower has verified disposable income of at least $2500.00. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least 40 points. The representative FICO score is above 680. |
Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
02/25/2025 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 304471826 | 32926777 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | xxxx |
03/19/2025 | 1 | B | A | C | A | B | A | C | A | B | A | NC | Second Home | Purchase | Lender to provide updated ATR/QM status | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| 304471826 | 32926778 | Compliance | Compliance | Federal Compliance | TRID | TRID Lender Credit Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-10,466.94 exceeds tolerance of $-12,943.00. Sufficient or excess cure was provided to the borrower. | xxxx |
02/25/2025 | 1 | A | A | A | A | A | A | A | A | A | A | NC | Second Home | Purchase | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304471826 | 32926785 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least 40 points. The representative FICO score is above 680. |
Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
02/28/2025 | 2 | B | B | B | B | B | B | B | B | B | B | NC | Second Home | Purchase | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | ||||||||
| 304471826 | 33082366 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | 2 | A | B | B | B | A | NC | Second Home | Purchase | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||||
| 304511549 | 32951741 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Field Review Fee. Fee Amount of $350.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
02/28/2025 | 1 | A | A | A | A | A | A | A | A | A | A | NH | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304632147 | 32942004 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM supports value. Vendor/FSD do not meet Fitch criteria. Sec ID: 10 | xxxx | xxxx |
03/10/2025 | 1 | A | A | D | A | A | A | A | A | A | A | FL | Primary | Refinance - Cash-out - Other | D | A | A | A | A | A | D | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| 304632147 | 32942017 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $397.50 exceeds tolerance of $350.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
02/27/2025 | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | D | A | A | A | A | A | D | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||
| 304631742 | 32956087 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | xxxx | xxxx |
03/05/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NM | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304631742 | 32956196 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing Disclosure.) | xxxx | xxxx |
2 | C | B | C | B | C | B | C | B | C | B | NM | Primary | Purchase | No Defined Cure | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304498342 | 32949414 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | 2 | B | B | B | B | B | B | B | B | B | B | VA | Primary | Refinance - Cash-out - Other | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304498342 | 32949432 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx | xxxx |
03/07/2025 | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | No Defined Cure | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 304498342 | 32949433 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $107.00 exceeds tolerance of $60.00 plus 10% or $66.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
03/31/2025 | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304498342 | 32949434 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $5,701.77 exceeds tolerance of $3,203.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
04/02/2025 | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304498342 | 32949435 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,254.53 exceeds tolerance of $691.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
05/06/2025 | 2 | C | B | C | B | C | B | C | B | C | B | VA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304631744 | 32949519 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Originator Compensation. Fee Amount of $9,470.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
03/11/2025 | 1 | C | A | C | A | C | A | C | A | C | A | IN | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| 304631744 | 32949520 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $138.90 exceeds tolerance of $125.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
03/11/2025 | 1 | C | A | C | A | C | A | C | A | C | A | IN | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| 304631744 | 33007675 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $138.90 exceeds tolerance of $125.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
03/11/2025 | 1 | A | A | A | A | A | IN | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | A | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||||||
| 304639728 | 32951253 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $400.00 exceeds tolerance of $200.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
02/28/2025 | 1 | A | A | A | A | A | A | A | A | A | A | CO | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| 304634532 | 32962989 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | xxxx |
04/07/2025 | 1 | B | A | C | A | B | A | C | A | B | A | MD | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| 304634532 | 32962990 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx | xxxx |
03/08/2025 | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||
| 304634532 | 32962991 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304634532 | 32962992 | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 1.5%, or xxxx%. Non-Compliant Higher Priced Loan. | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304634532 | 32962993 | Compliance | Compliance | State Compliance | State Defect | (State High Cost) Maryland Covered Loan (Points and Fees) | Maryland Predatory Lending Law: Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 4.00000% of the Total Loan Amount. Points and Fees total $xxxx on a Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Compliant High Cost Loan. | xxxx | xxxx |
03/08/2025 | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | No obvious cure | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | ||||||||
| 304634532 | 33205160 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | 2 | A | B | B | B | A | MD | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||||
| 304640001 | 32968583 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xx/xx/xxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | xxxx | xxxx |
03/11/2025 | 1 | C | A | C | A | C | A | C | A | C | A | UT | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304640001 | 32968585 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $305.00 exceeds tolerance of $291.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
03/11/2025 | 1 | C | A | C | A | C | A | C | A | C | A | UT | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304640001 | 33008148 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $305.00 exceeds tolerance of $291.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
03/11/2025 | 1 | A | A | A | A | A | UT | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||||
| 304664466 | 32976649 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | xxxx |
03/24/2025 | 1 | B | A | B | A | B | A | B | A | B | A | MA | Primary | Purchase | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304664466 | 32976652 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $96.25 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
04/08/2025 | 2 | C | B | C | B | C | B | C | B | C | B | MA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304664466 | 32989296 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | xxxx |
03/24/2025 | 1 | B | A | C | A | B | A | C | A | B | A | MA | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304633485 | 32979197 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $795.00 exceeds tolerance of $695.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
03/05/2025 | 1 | A | A | A | A | A | A | A | A | A | A | GA | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304633485 | 32982279 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
04/08/2025 | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304633485 | 32982280 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
04/08/2025 | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304632925 | 32985941 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | 2 | B | B | B | B | B | B | B | B | B | B | MO | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304632925 | 33002575 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided | xxxx | xxxx |
03/13/2025 | 1 | C | A | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| 304667820 | 33009760 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | - | xxxx | xxxx |
03/12/2025 | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | C | B | A | A | C | B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304667820 | 33009865 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx | xxxx |
03/31/2025 | 1 | B | A | C | A | B | A | C | A | B | A | MD | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | A | A | C | B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304667820 | 33009866 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - Schedule C | General QM: Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. | xxxx | xxxx |
03/31/2025 | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | C | B | A | A | C | B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304667820 | 33009867 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - Schedule C | General QM: Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. | xxxx | xxxx |
03/31/2025 | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | C | B | A | A | C | B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304667820 | 33009868 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
03/21/2025 | 2 | C | B | C | B | C | B | C | B | C | B | MD | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | B | A | A | C | B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304667820 | 33009869 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
03/21/2025 | 2 | C | B | C | B | C | B | C | B | C | B | MD | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable | C | B | A | A | C | B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304667819 | 33019948 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $700.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
03/19/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304667818 | 33021178 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
03/21/2025 | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304667818 | 33021179 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
03/21/2025 | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304667818 | 33021247 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $425.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
04/02/2025 | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304667813 | 33018976 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | xxxx | xxxx |
04/23/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304667791 | 32999317 | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Valuation Error: AVM report date not provided. | - | xxxx | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304667791 | 32999321 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The representative FICO score is above 680. |
Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
03/11/2025 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 304641253 | 33001934 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-2,164.08 exceeds tolerance of $-2,283.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
03/27/2025 | 1 | C | A | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| 304636631 | 33021091 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | xxxx |
04/26/2025 | 1 | D | A | B | A | D | A | C | A | D | A | FL | Primary | Purchase | D | B | A | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304636631 | 33356408 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 | Note Date: ___; Lien Position: ___ | 2 | B | B | B | B | B | FL | Primary | Purchase | D | B | A | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||||
| 304643172 | 33031205 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx | 2 | B | B | B | B | B | B | B | B | B | B | CO | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304498282 | 33038783 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $100.00 exceeds tolerance of $60.00 plus 10% or $66.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
04/21/2025 | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304498282 | 33038785 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $105.00 exceeds tolerance of $86.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
04/21/2025 | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304498282 | 33038786 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $82.95 exceeds tolerance of $69.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
04/21/2025 | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304498282 | 33320067 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $100.00 exceeds tolerance of $60.00 plus 10% or $66.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
04/21/2025 | 1 | A | A | A | A | A | AZ | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||||
| 304498282 | 33320068 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $105.00 exceeds tolerance of $86.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
04/21/2025 | 1 | A | A | A | A | A | AZ | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||||
| 304498282 | 33320069 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $82.95 exceeds tolerance of $69.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
04/21/2025 | 1 | A | A | A | A | A | AZ | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||||
| 304511747 | 33038510 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-1,886.58 exceeds tolerance of $-2,498.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
04/02/2025 | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304643011 | 33083689 | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The qualifying DTI on the loan is less than or equal to 35%. The representative FICO score is above 680. |
798 FICO | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
03/25/2025 | 2 | C | B | C | B | C | B | C | B | C | B | OR | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||
| 304643011 | 33084219 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | 2 | B | B | B | B | B | B | B | B | B | B | OR | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304639923 | 33039323 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $465.00 exceeds tolerance of $379.00 plus 10% or $416.90. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
03/14/2025 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304639982 | 33039126 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
03/14/2025 | 1 | A | A | A | A | A | A | A | A | A | A | KY | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304639982 | 33681697 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | xxxx |
06/23/2025 | 1 | A | A | A | A | A | KY | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| 304572221 | 33038903 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $205.75 exceeds tolerance of $180.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
04/02/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304572221 | 33038947 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Refinance - Cash-out - Other | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304495586 | 33061780 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $13,463.55 exceeds tolerance of $10,749.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
04/07/2025 | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304495586 | 33061815 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | xxxx | xxxx |
03/27/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304637103 | 33061114 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $226.56 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
03/17/2025 | 1 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304637909 | 33061564 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Refinance - Cash-out - Other | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304637909 | 33061866 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx |
03/21/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304637909 | 33061867 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | xxxx |
03/21/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304637909 | 33061868 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx |
03/21/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304637909 | 33061869 | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx |
03/21/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| 304637909 | 33061870 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx |
03/21/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304637909 | 33066093 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |
03/21/2025 | 1 | B | A | B | A | B | A | B | A | B | A | FL | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| 304490291 | 33063450 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $795.00 exceeds tolerance of $547.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
01/24/2025 | 1 | A | A | A | A | A | A | A | A | A | A | MD | Primary | Purchase | Final CD evidences Cure | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| 304490291 | 33063451 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Counseling Agencies Disclosure Not in File | Maryland HB1399 - No evidence of required counseling disclosure language per Maryland HB 1399. | xxxx | xxxx |
02/03/2025 | 1 | B | A | B | A | B | A | B | A | B | A | MD | Primary | Purchase | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304632769 | 33090066 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $175.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
04/29/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304643963 | 33079082 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx | xxxx |
03/25/2025 | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Refinance - Cash-out - Other | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 304636524 | 33082870 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
04/08/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304636524 | 33082871 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
04/08/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304663363 | 33080414 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
04/08/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304663363 | 33080415 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
04/08/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304641878 | 33111094 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $226.92 exceeds tolerance of $225.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
03/25/2025 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||
| 304643280 | 33095950 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $282.00 exceeds tolerance of $210.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
03/21/2025 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| 304642557 | 33102930 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $230.00 exceeds tolerance of $194.00 plus 10% or $213.40. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
03/24/2025 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304643128 | 33101540 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $80.62 exceeds tolerance of $80.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
03/24/2025 | 1 | A | A | A | A | A | A | A | A | A | A | AZ | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304665282 | 33099250 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $945.00 exceeds tolerance of $900.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
03/24/2025 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304642584 | 33108844 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $236.00 exceeds tolerance of $185.00 plus 10% or $203.50. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
05/14/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| 304642584 | 33108846 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $500.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
04/29/2025 | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| 304642584 | 33452108 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $500.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
05/14/2025 | 1 | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | A | A | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||||||
| 304663428 | 33124801 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $85.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
03/26/2025 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| 304663428 | 33124803 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx | xxxx |
04/22/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 304636361 | 33124207 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx | xxxx |
04/28/2025 | 1 | B | A | C | A | B | A | C | A | B | A | AZ | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304636361 | 33124208 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx | xxxx |
04/28/2025 | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304636361 | 33124210 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $204.00 exceeds tolerance of $94.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
03/26/2025 | 1 | A | A | A | A | A | A | A | A | A | A | AZ | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304664542 | 33137627 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx |
04/09/2025 | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304678933 | 33174301 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
04/25/2025 | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304678933 | 33174302 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
04/25/2025 | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304678922 | 33130683 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $120.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
03/27/2025 | 1 | A | A | A | A | A | A | A | A | A | A | UT | Primary | Purchase | Final CD evidences Cure | D | B | B | B | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| 304678922 | 33130726 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | 2 | B | B | B | B | B | B | B | B | B | B | UT | Primary | Purchase | D | B | B | B | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304678922 | 33130727 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | xxxx | xxxx |
04/04/2025 | 1 | D | A | D | A | D | A | D | A | D | A | UT | Primary | Purchase | D | B | B | B | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304678928 | 33134049 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Taxes Included In Escrow | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether property taxes are included in escrow. | xxxx | xxxx |
04/16/2025 | 2 | C | B | C | B | C | B | C | B | C | B | AR | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304678928 | 33134276 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $850.00 exceeds tolerance of $600.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
03/27/2025 | 1 | A | A | A | A | A | A | A | A | A | A | AR | Primary | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304678931 | 33130232 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
04/21/2025 | 2 | C | B | C | B | C | B | C | B | C | B | AZ | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304678931 | 33130233 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
04/21/2025 | 2 | C | B | C | B | C | B | C | B | C | B | AZ | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304678931 | 33130235 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $5,310.00 exceeds tolerance of $2,837.00 plus 10% or $3,120.70. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
04/21/2025 | 2 | C | B | C | B | C | B | C | B | C | B | AZ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304678930 | 33130765 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
04/21/2025 | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304678930 | 33130766 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
04/21/2025 | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304666772 | 33131534 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
04/22/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304666772 | 33131535 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
04/22/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304666772 | 33139228 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | xxxx | xxxx |
04/15/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304666772 | 33139229 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx | xxxx |
04/15/2025 | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304666772 | 33139230 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx | xxxx |
04/15/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304638356 | 33133895 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on xx/xx/xxxx not received by borrower at least four (4) business days prior to closing. | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 304638340 | 33133940 | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | xxxx |
02/14/2025 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304638340 | 33133942 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Disaster Name: ___ Disaster Declaration Date: ___ |
Property not inspected post FEMA declared disaster, but property is not located near the declared disaster area. | Property is not in an affected zip code per client guidelines. | SitusAMC,Originator,Aggregator | xxxx |
02/14/2025 | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||
| 304638339 | 33133945 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on xx/xx/xxxx not received by borrower at least four (4) business days prior to closing. | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | No Defined Cure | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 304638339 | 33133946 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on xx/xx/xxxx not received by borrower at least four (4) business days prior to closing. | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | No Defined Cure | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 304638339 | 33133948 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | The borrower's prior year's earnings were not documented per AUS. The paystub provided only showed income that rolled into 2025 for one pay period, and the W2 was for 2023. Please provide the 2024 W2, 2024 final paystub, or third-party income verification that shows 2024 earnings. | xxxx |
02/19/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304638327 | 33133962 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | xxxx |
02/25/2025 | 1 | D | A | D | A | D | A | D | A | D | A | CA | Primary | Purchase | D | A | C | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304638327 | 33133963 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Hazard insurance coverage amount is insufficient. Coverage amount required to cover the lesser of the Replacement Cost or the Loan amount per guidelines. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. Borrower has been employed in the same industry for more than 5 years. The representative FICO score is above 680. |
Borrower has been employed in the same industry for more than 5 years. | SitusAMC SitusAMC,Originator,Aggregator SitusAMC |
xxxx |
03/21/2025 | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | D | A | C | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 304638327 | 33133965 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Based on the borrower's paystub and 2024 earnings, it appears he was on FMLA. Please provide clarification indicating the period of the borrower's leave, to justify the base earnings only equating to $xxxx a month versus salary of $xxxx. Or provide clarification for the YTD "other" earnings reflecting on the year end paystub in the amount of $xxxx to determine that it can be included in the base earning calculation. | xxxx |
02/19/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | D | A | C | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304638326 | 33133966 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Disaster Name: ___ Disaster Declaration Date: ___ |
Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | SitusAMC,Originator,Aggregator | xxxx |
02/14/2025 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||
| 304638326 | 33133968 | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | xxxx |
02/18/2025 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304638326 | 33133969 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | The third-party verification for both of the co-borrower's 1120S's (xxxx and xxxx and xxxx) were not timestamped. Please provide evidence of when these searches were obtained by the lender for review. | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304638326 | 33133972 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided | xxxx | xxxx |
02/19/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304676878 | 33145319 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
04/08/2025 | 1 | C | A | C | A | C | A | C | A | C | A | WI | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | A | A | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| 304676878 | 33145320 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
04/08/2025 | 1 | C | A | C | A | C | A | C | A | C | A | WI | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable | C | A | A | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| 304676878 | 33145321 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
03/31/2025 | 1 | A | A | A | A | A | A | A | A | A | A | WI | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | A | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||
| 304672322 | 33152016 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
04/11/2025 | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304672322 | 33152017 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
04/11/2025 | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304672322 | 33152019 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Signing Fee. Fee Amount of $200.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
04/14/2025 | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304641797 | 33155678 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $850.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
04/01/2025 | 1 | A | A | A | A | A | A | A | A | A | A | PA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| 304669849 | 33154798 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx | xxxx |
04/11/2025 | 1 | B | A | C | A | B | A | C | A | B | A | GA | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304669849 | 33154799 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |
04/11/2025 | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304643279 | 33152181 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $125.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
04/01/2025 | 1 | A | A | A | A | A | A | A | A | A | A | MN | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | A | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||
| 304643279 | 33152182 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
04/08/2025 | 1 | C | A | C | A | C | A | C | A | C | A | MN | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | A | A | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| 304643279 | 33152183 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
04/08/2025 | 1 | C | A | C | A | C | A | C | A | C | A | MN | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable | C | A | A | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| 304641794 | 33175858 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx | xxxx |
04/07/2025 | 1 | B | A | C | A | B | A | C | A | B | A | TX | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304641794 | 33175861 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $730.00 exceeds tolerance of $530.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
04/02/2025 | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304641794 | 33175868 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | xxxx | xxxx |
04/07/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304641794 | 33179757 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx | xxxx |
04/07/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304641794 | 33186310 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | xxxx | xxxx |
04/07/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304641794 | 33186328 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 50.47325% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | xxxx | xxxx |
04/07/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304632921 | 33174061 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $399.97 exceeds tolerance of $100.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
04/02/2025 | 1 | A | A | A | A | A | A | A | A | A | A | AZ | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304666763 | 33176396 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | xxxx | xxxx |
04/11/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304666763 | 33176481 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $16,632.00 exceeds tolerance of $13,679.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
04/15/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304666763 | 33176483 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx. | xxxx | xxxx |
04/29/2025 | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304666763 | 33176484 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | xxxx | xxxx |
04/29/2025 | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304666763 | 33177094 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
04/08/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304666763 | 33177095 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
04/08/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304666763 | 33177096 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Insurance Binder Fee. Fee Amount of $92.95 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
05/01/2025 | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304671408 | 33176245 | Compliance | Compliance | State Compliance | State Defect | Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File | Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. | xxxx |
04/11/2025 | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| 304671408 | 33176246 | Compliance | Compliance | State Compliance | State HPML | Massachusetts HPML Threshold Test Compliant | Massachusetts Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 1.5%, or xxxx% Compliant Higher Priced Loan. | 2 | B | B | B | B | B | B | B | B | B | B | MA | Primary | Refinance - Cash-out - Other | No obvious cure | C | B | A | A | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304671408 | 33245393 | Compliance | Compliance | State Compliance | State Defect | Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File | Unable to test due to missing tangible net benefit information. | xxxx | xxxx |
05/02/2025 | 1 | A | A | A | A | A | MA | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| 304642454 | 33184184 | Credit | Insurance | Insurance Analysis | Insurance | The Flood Insurance Policy effective date is after the Note Date. | Flood Insurance Policy Effective Date ___, Note Date ___ | xxxx |
04/04/2025 | 1 | C | A | C | A | C | A | C | A | C | A | UT | Second Home | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304671698 | 33181379 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
04/24/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304671698 | 33181380 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
04/24/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304665067 | 33182701 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Refinance - Cash-out - Other | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304665067 | 33183166 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx | xxxx |
04/11/2025 | 1 | B | A | C | A | B | A | C | A | B | A | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304665067 | 33183167 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx | xxxx |
04/11/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304665067 | 33191591 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $9,011.35 exceeds tolerance of $5,780.00 plus 10% or $6,358.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
04/04/2025 | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| 304665067 | 33191592 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $6,649.60 exceeds tolerance of $5,500.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
04/04/2025 | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| 304667979 | 33183448 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $9,082.81 exceeds tolerance of $8,252.00 plus 10% or $9,077.20. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
04/03/2025 | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| 304665232 | 33190783 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx | xxxx |
04/08/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TN | Second Home | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304640468 | 33188859 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
04/24/2025 | 1 | C | A | C | A | C | A | C | A | C | A | HI | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304640468 | 33188860 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
04/24/2025 | 1 | C | A | C | A | C | A | C | A | C | A | HI | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304640468 | 33194006 | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The qualifying DTI on the loan is less than or equal to 35%. The representative FICO score is above 680. |
774 FICO | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
04/09/2025 | 2 | C | B | C | B | C | B | C | B | C | B | HI | Primary | Purchase | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||
| 304671490 | 33190368 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | xxxx |
04/15/2025 | 1 | B | A | C | A | B | A | C | A | B | A | FL | Second Home | Purchase | Lender to provide updated ATR/QM status | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304671490 | 33190369 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
04/24/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304671490 | 33190370 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
04/24/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304671490 | 33190372 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Funding Fee. Fee Amount of $300.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
04/04/2025 | 1 | A | A | A | A | A | A | A | A | A | A | FL | Second Home | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304677799 | 33189290 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of $8,506.80 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
05/01/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304671420 | 33188998 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,727.50 exceeds tolerance of $1,446.00 plus 10% or $1,590.60. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
04/04/2025 | 1 | A | A | A | A | A | A | A | A | A | A | CO | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304671420 | 33188999 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee. Fee Amount of $10.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
04/04/2025 | 1 | A | A | A | A | A | A | A | A | A | A | CO | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304678062 | 33190357 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | 2 | B | B | B | B | B | B | B | B | B | B | AL | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304643384 | 33198372 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Reinspection Fee. Fee Amount of $200.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
04/15/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304678785 | 33197208 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx | xxxx |
04/14/2025 | 1 | B | A | C | A | B | A | C | A | B | A | FL | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304678785 | 33197209 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |
04/14/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304677795 | 33198822 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Purchase | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304685153 | 33206250 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Purchase | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304685159 | 33359102 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $550.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
05/01/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304685159 | 33359103 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | xxxx | xxxx |
05/01/2025 | 1 | D | A | D | A | D | A | D | A | D | A | FL | Primary | Purchase | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304685159 | 33359135 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | - | xxxx | xxxx |
04/30/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304685149 | 33215201 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $59.95 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
04/09/2025 | 1 | A | A | A | A | A | A | A | A | A | A | VA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| 304685167 | 33205728 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
04/16/2025 | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304685167 | 33205729 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
04/16/2025 | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304685167 | 33205758 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-10,439.00 exceeds tolerance of $-10,658.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
04/11/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304685167 | 33205759 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $600.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
04/11/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304685147 | 33357783 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $213.30 exceeds tolerance of $200.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
04/28/2025 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| 304685147 | 33357784 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $12.00 exceeds tolerance of $9.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
04/28/2025 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| 304685150 | 33216084 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
04/14/2025 | 2 | C | B | C | B | C | B | C | B | C | B | MN | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | B | A | A | C | B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304685150 | 33216085 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
04/14/2025 | 2 | C | B | C | B | C | B | C | B | C | B | MN | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable | C | B | A | A | C | B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304685150 | 33216134 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | - | xxxx | xxxx |
04/17/2025 | 1 | C | A | C | A | C | A | C | A | C | A | MN | Second Home | Purchase | C | B | A | A | C | B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304685199 | 33227489 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx | xxxx |
04/16/2025 | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304685199 | 33227490 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |
04/16/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304685199 | 33227493 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $250.00 exceeds tolerance of $216.00 plus 10% or $237.60. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
04/10/2025 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| 304685190 | 33216176 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | xxxx | xxxx |
04/23/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304685190 | 33216185 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: 22 | Note Date: ___; Lien Position: ___ | 2 | A | A | A | A | A | A | A | A | B | B | CA | Primary | Purchase | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304685190 | 33216201 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $885.00 exceeds tolerance of $825.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
04/09/2025 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| 304685194 | 33329171 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx | xxxx |
04/24/2025 | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304685194 | 33329172 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |
04/24/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304685203 | 33227313 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Primary | Purchase | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304685203 | 33227325 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-1,929.25 exceeds tolerance of $-5,892.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
04/17/2025 | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304685200 | 33291680 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $845.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
04/25/2025 | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304685187 | 33216025 | Compliance | Compliance | Federal Compliance | Missing Disclosure | Acknowledgement of Borrower Receipt of Notice of Special Flood Hazard Disclosure Missing | FDPA Notification Rule: Creditor did not retain record of borrower's receipt of Notice of Special Flood Hazard Disclosure. | xxxx | xxxx |
04/17/2025 | 1 | B | A | B | A | B | A | B | A | B | A | CO | Primary | Purchase | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304685187 | 33226539 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Flood Insurance Policy not provided | xxxx | xxxx |
04/16/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304679624 | 33207956 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | xxxx |
04/11/2025 | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304679624 | 33208238 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $180.00 exceeds tolerance of $130.00 plus 10% or $143.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
04/08/2025 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| 304676187 | 33681657 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | xxxx | xxxx |
06/23/2025 | 1 | A | A | A | A | A | KY | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||
| 304672397 | 33208028 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $564.65 exceeds tolerance of $539.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
04/08/2025 | 1 | A | A | A | A | A | A | A | A | A | A | TN | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||
| 304665063 | 33206584 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $374.50 exceeds tolerance of $134.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
05/01/2025 | 2 | C | B | C | B | C | B | C | B | C | B | WY | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| 304671411 | 33207357 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | 2 | B | B | B | B | B | B | B | B | B | B | KY | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304671411 | 33207759 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $235.63 exceeds tolerance of $125.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
04/08/2025 | 1 | A | A | A | A | A | A | A | A | A | A | KY | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||
| 304671411 | 33681658 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | 06/24/2025 | 1 | A | A | A | A | A | KY | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||||
| 304665227 | 33208098 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304643429 | 33208395 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Purchase | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304679200 | 33217542 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 1.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx |
04/16/2025 | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| 304679200 | 33217543 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |
04/16/2025 | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| 304679200 | 33217641 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | The file is missing a copy of the 2024 W-2. | xxxx |
04/30/2025 | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||
| 304674675 | 33216168 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-7,442.14 exceeds tolerance of $-13,587.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
04/14/2025 | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| 304663749 | 33216605 | Credit | Guideline | Guideline Issue | Guideline | Ineligible Property Type. | Property Type: ___ | xxxx | Borrower has worked in the same position for more than 3 years. Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least 40 points. The representative FICO score is above 680. |
xxx years with current employer. | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
04/09/2025 | 2 | B | B | B | B | B | B | B | B | B | B | ID | Primary | Refinance - Cash-out - Other | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||
| 304663749 | 33216793 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |
04/11/2025 | 1 | C | A | C | A | C | A | C | A | C | A | ID | Primary | Refinance - Cash-out - Other | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304663749 | 33216794 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | xxxx | xxxx |
05/05/2025 | 2 | C | B | C | B | C | B | C | B | C | B | ID | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304663749 | 33216795 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx | xxxx |
04/11/2025 | 1 | B | A | C | A | B | A | C | A | B | A | ID | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304640349 | 33227606 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | xxxx | xxxx |
04/24/2025 | 1 | D | A | D | A | D | A | D | A | D | A | NV | Primary | Purchase | D | B | A | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304640349 | 33227650 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
04/21/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NV | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | D | B | A | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304640349 | 33227651 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
04/21/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NV | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable | D | B | A | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304640349 | 33227653 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $168.00 exceeds tolerance of $84.00 plus 10% or $92.40. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
05/12/2025 | 2 | C | B | C | B | C | B | C | B | C | B | NV | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | A | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304678389 | 33231610 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Flood Insurance Policy not provided | xxxx | xxxx |
04/14/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304641190 | 33228359 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
04/10/2025 | 1 | A | A | A | A | A | A | A | A | A | A | MN | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304687319 | 33244593 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx | xxxx |
04/23/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 304687327 | 33289801 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
04/25/2025 | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304687327 | 33289802 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
04/25/2025 | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304687320 | 33259665 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx |
04/17/2025 | 1 | C | A | C | A | C | A | C | A | C | A | UT | Second Home | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304687320 | 33264425 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not Tested As Primary | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Second Home). Determination has not been made as to whether the loan would be High Cost and/or HPML if ran as a Primary Residence. | xxxx | xxxx |
04/17/2025 | 1 | C | A | C | A | C | A | C | A | C | A | UT | Second Home | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304687320 | 33264426 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx | xxxx |
04/16/2025 | 1 | B | A | C | A | B | A | C | A | B | A | UT | Second Home | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304687320 | 33264427 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |
04/16/2025 | 1 | C | A | C | A | C | A | C | A | C | A | UT | Second Home | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304687320 | 33264428 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after xx/xx/xxxx contains a change in APR and was not received by borrower at least three (3) business days prior to consummation | xxxx | xxxx |
04/18/2025 | 1 | C | A | C | A | C | A | C | A | C | A | UT | Second Home | Purchase | TRID timing exception, no remediation available. | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 304687320 | 33264430 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $12,771.28 exceeds tolerance of $10,972.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
04/18/2025 | 1 | C | A | C | A | C | A | C | A | C | A | UT | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304687320 | 33301753 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx | xxxx |
04/21/2025 | 1 | A | A | A | A | A | UT | Second Home | Purchase | No Defined Cure | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304687325 | 33244395 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | xxxx | xxxx |
04/17/2025 | 1 | D | A | D | A | D | A | D | A | D | A | FL | Primary | Purchase | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304687325 | 33244414 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | xxxx | xxxx |
04/23/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304687325 | 33281312 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
05/02/2025 | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304687325 | 33281313 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
05/02/2025 | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304686443 | 33272256 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | xxxx | xxxx |
04/15/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304672402 | 33246690 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $2,331.00 exceeds tolerance of $1,941.00 plus 10% or $2,135.10. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
05/20/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| 304672402 | 33489286 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $2,331.00 exceeds tolerance of $2,091.00 plus 10% or $2,300.10. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
05/20/2025 | 1 | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | A | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||||||
| 304680623 | 33246396 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |
04/17/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304680623 | 33246398 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $107.00 exceeds tolerance of $100.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
04/14/2025 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| 304680623 | 33246402 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx | xxxx |
04/17/2025 | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304655588 | 33274418 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing CPA letter or Third-Party verification for Schedule C Income used to qualify. | xxxx |
04/16/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Purchase | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304655588 | 33281301 | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. Borrower has verified disposable income of at least $2500.00. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The representative FICO score is above 680. |
Good credit, employment history and over 15 months of reserves | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
04/15/2025 | 2 | B | B | B | B | B | B | B | B | B | B | TN | Primary | Purchase | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||
| 304676182 | 33246879 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $145.90 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
04/14/2025 | 1 | A | A | A | A | A | A | A | A | A | A | CO | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| 304676182 | 33276695 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | xxxx | xxxx |
04/17/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304636520 | 33246670 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | 2 | B | B | B | B | B | B | B | B | B | B | IA | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304681699 | 33246293 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Counseling Agencies Disclosure Not in File | Maryland HB1399 - No evidence of required counseling disclosure language per Maryland HB 1399. | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304681699 | 33246294 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304681699 | 33246295 | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 1.5%, or xxxx%. Non-Compliant Higher Priced Loan. | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304681699 | 33246296 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Signed) | Maryland Mortgage Lending Regulations: Net Tangible Benefit Worksheet not signed by borrower. | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304666764 | 33246346 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
05/27/2025 | 2 | C | B | C | B | C | B | C | B | C | B | NC | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | B | C | A | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| 304666764 | 33246347 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
05/27/2025 | 2 | C | B | C | B | C | B | C | B | C | B | NC | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable | C | B | C | A | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| 304666764 | 33246357 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | xxxx | xxxx |
04/17/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||
| 304666764 | 33246366 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument Error: Security instrument maturity date and note maturity date do not concur. | xxxx | xxxx |
05/02/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| 304681701 | 33247590 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | xxxx | xxxx |
04/17/2025 | 1 | D | A | D | A | D | A | D | A | D | A | TX | Primary | Purchase | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304667916 | 33274860 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | xxxx | xxxx |
05/12/2025 | 2 | C | B | C | B | C | B | C | B | C | B | PA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | A | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| 304683206 | 33249170 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $246.00 exceeds tolerance of $220.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
04/14/2025 | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304683206 | 33279951 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | Missing W-2 (2024) | xxxx |
04/17/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304678315 | 33248825 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | xxxx | xxxx |
04/26/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304677705 | 33279166 | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | The representative FICO score is above 680. Borrower has worked in the same position for more than 3 years. |
705 credit score, minimum required is 680. | SitusAMC,Aggregator SitusAMC |
xxxx |
04/16/2025 | 2 | B | B | B | B | B | B | B | B | B | B | MI | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||
| 304678064 | 33276166 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx | xxxx |
04/18/2025 | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304678064 | 33276168 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |
04/18/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304639001 | 33276555 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | xxxx | xxxx |
04/17/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | A | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| 304673654 | 33277752 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx | xxxx |
04/18/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 304674589 | 33281472 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | 2 | B | B | B | B | B | B | B | B | B | B | AL | Primary | Refinance - Cash-out - Other | C | B | B | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304674589 | 33281526 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $58.00 exceeds tolerance of $0.00 plus 10% or $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
04/15/2025 | 1 | A | A | A | A | A | A | A | A | A | A | AL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | B | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| 304674589 | 33281527 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $560.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
04/15/2025 | 1 | A | A | A | A | A | A | A | A | A | A | AL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | B | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| 304674589 | 33281529 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $681.75 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
04/15/2025 | 1 | A | A | A | A | A | A | A | A | A | A | AL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | B | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| 304674589 | 33281530 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | xxxx | xxxx |
05/07/2025 | 2 | C | B | C | B | C | B | C | B | C | B | AL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | B | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| 304687844 | 33365984 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | xxxx |
05/02/2025 | 1 | D | A | B | A | D | A | C | A | D | A | MA | Second Home | Purchase | D | B | A | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304687844 | 33405055 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 | Note Date: ___; Lien Position: ___ | 2 | B | B | B | B | B | MA | Second Home | Purchase | D | B | A | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||||
| 304687760 | 33427956 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |
05/22/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304687760 | 33427957 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx | xxxx |
05/16/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | No Defined Cure | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 304687760 | 33427959 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx | xxxx |
05/22/2025 | 1 | B | A | C | A | B | A | C | A | B | A | FL | Second Home | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304687760 | 33433577 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The xxxx CD is incomplete. Page 5 was not filled out. Provide a complete copy or TPR firm can exclude an LE or CD from consideration if it was not provided to the consumer. Acceptable documentation is a lender attestation that it was not provided to the consumer | xxxx |
05/16/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304687820 | 33413552 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx | xxxx |
05/27/2025 | 1 | B | A | C | A | B | A | C | A | B | A | AZ | Second Home | Purchase | Lender to provide updated ATR/QM status | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304687820 | 33413553 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |
05/27/2025 | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Second Home | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304687812 | 33413598 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx | xxxx |
06/01/2025 | 1 | C | A | C | A | C | A | C | A | C | A | DE | Second Home | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304687812 | 33413604 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx | xxxx |
06/01/2025 | 1 | B | A | C | A | B | A | C | A | B | A | DE | Second Home | Purchase | Lender to provide updated ATR/QM status | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304636819 | 33273428 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx |
03/18/2025 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304636819 | 33273429 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | 1084 or income worksheet is missing. | xxxx |
03/10/2025 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304636819 | 33273432 | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcripts (1040). | - | xxxx | xxxx |
03/12/2025 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304636819 | 33273434 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $90.00 exceeds tolerance of $79.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
02/27/2025 | 1 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Purchase | Final CD evidences Cure | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| 304636819 | 33273436 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | xxxx | xxxx |
03/12/2025 | 1 | B | A | B | A | B | A | B | A | B | A | WA | Primary | Purchase | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304487896 | 33273477 | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | - | xxxx | xxxx |
03/17/2025 | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304487896 | 33273478 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $165.00 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
03/03/2025 | 1 | A | A | A | A | A | A | A | A | A | A | SC | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304487896 | 33273479 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $269.25 exceeds tolerance of $125.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
03/03/2025 | 1 | A | A | A | A | A | A | A | A | A | A | SC | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304635078 | 33273508 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | xxxx | xxxx |
03/11/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304635078 | 33273510 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided | xxxx | xxxx |
03/28/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304635078 | 33273511 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided | xxxx | xxxx |
03/18/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304635078 | 33273512 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-9,786.94 exceeds tolerance of $-10,716.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
03/11/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304635078 | 33273513 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | xxxx | xxxx |
03/11/2025 | 1 | B | A | B | A | B | A | B | A | B | A | CO | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304635078 | 33273514 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Please provide updated 1003, 1008, and AUS removing MI. | xxxx |
03/21/2025 | 1 | A | A | A | A | A | CO | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| 304635078 | 33273515 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Mortgage Insurance Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed a mortgage insurance payment for payment stream 1 that does not match the actual payment for the loan. | xxxx | xxxx |
03/26/2025 | 2 | B | B | B | B | B | CO | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||||
| 304635078 | 33273516 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected P&I Min Payment Fixed Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed a periodic principal and interest payment for payment stream 2 that does not match the actual payment for the loan. | xxxx | xxxx |
03/26/2025 | 2 | B | B | B | B | B | CO | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||||
| 304497388 | 33273523 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $184.00 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
03/04/2025 | 1 | A | A | A | A | A | A | A | A | A | A | TN | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304671058 | 33273617 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $210.36 exceeds tolerance of $175.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
03/13/2025 | 1 | A | A | A | A | A | A | A | A | A | A | IL | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304671058 | 33273618 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Subject has additional kitchen in basement. Appraiser reflects subject is not an ADU and permit is not required. Provide additional comparison with second kitchen documenting market acceptance. | xxxx |
03/26/2025 | 1 | A | A | A | A | A | IL | Primary | Purchase | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| 304640488 | 33273683 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx | xxxx |
03/24/2025 | 1 | B | A | B | A | B | A | B | A | B | A | NC | Primary | Purchase | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304640488 | 33273685 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $435.15 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
03/19/2025 | 1 | A | A | A | A | A | A | A | A | A | A | NC | Primary | Purchase | Final CD evidences Cure | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| 304640488 | 33273686 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx |
03/27/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304640488 | 33273687 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing 2023 1040 transcript for Mary. | xxxx |
03/27/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304665716 | 33273708 | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcripts (1040). | - | xxxx | xxxx |
03/27/2025 | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304665716 | 33273710 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $75.00 exceeds tolerance of $60.00 plus 10% or $66.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
03/21/2025 | 1 | A | A | A | A | A | A | A | A | A | A | AZ | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| 304665716 | 33273711 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Require corrected Purchase Contract due to the Zip code being xxxx. The note reflects xxxx. | xxxx |
03/26/2025 | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304665716 | 33273712 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xx/xx/xxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | xxxx | xxxx |
03/26/2025 | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304677709 | 33286310 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
04/16/2025 | 1 | A | A | A | A | A | A | A | A | A | A | FL | Second Home | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| 304686441 | 33293047 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx | xxxx |
04/23/2025 | 1 | B | A | C | A | B | A | C | A | B | A | WA | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| 304686441 | 33293048 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - S-Corp | General QM: Unable to verify current S-Corp status using reasonably reliable third-party records. | xxxx | xxxx |
04/23/2025 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||
| 304686441 | 33293049 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx | 2 | B | B | B | B | B | B | B | B | B | B | WA | Primary | Purchase | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304686441 | 33677754 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | 2 | A | B | B | B | A | WA | Primary | Purchase | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||||
| 304677321 | 33303999 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | xxxx | xxxx |
04/21/2025 | 1 | C | A | C | A | C | A | C | A | C | A | OR | Primary | Purchase | C | B | C | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304677321 | 33304011 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | 2 | B | B | B | B | B | B | B | B | B | B | OR | Primary | Purchase | C | B | C | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304677321 | 33304013 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | 2 | B | B | B | B | B | B | B | B | B | B | OR | Primary | Purchase | C | B | C | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304677321 | 33309164 | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The representative FICO score is above 680. |
Good credit and employment history. sufficient reserves | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
04/18/2025 | 2 | B | B | B | B | B | B | B | B | B | B | OR | Primary | Purchase | C | B | C | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||
| 304679623 | 33302747 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | xxxx |
05/02/2025 | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| 304679623 | 33302748 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Negative Amortization | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan contains Negative Amortization. | xxxx | xxxx |
04/23/2025 | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| 304679623 | 33302749 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Partial Payments | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan allows for Partial Payments. | xxxx | xxxx |
04/23/2025 | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| 304679623 | 33302750 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan will have an escrow account. | xxxx | xxxx |
04/23/2025 | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| 304679623 | 33401507 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | 2 | A | B | B | B | A | CA | Primary | Purchase | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||||
| 304667923 | 33303170 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-4,352.76 exceeds tolerance of $-4,788.39. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
04/22/2025 | 1 | C | A | C | A | C | A | C | A | C | A | KS | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| 304677849 | 33304295 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | xxxx | xxxx |
05/24/2025 | 2 | C | B | C | B | C | B | C | B | C | B | IA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | A | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| 304692650 | 33313078 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $900.00 exceeds tolerance of $659.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
04/30/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304692662 | 33312299 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx | xxxx |
04/23/2025 | 1 | B | A | C | A | B | A | C | A | B | A | AZ | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304692662 | 33312300 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx | xxxx |
04/23/2025 | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304692652 | 33312840 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | xxxx | xxxx |
04/23/2025 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304692660 | 33358895 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx | 2 | B | B | B | B | B | B | B | B | B | B | NV | Primary | Refinance - Rate/Term | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304692660 | 33359095 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $92.50 exceeds tolerance of $84.00 plus 10% or $92.40. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
04/28/2025 | 1 | A | A | A | A | A | A | A | A | A | A | NV | Primary | Refinance - Rate/Term | Final CD evidences Cure | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304692658 | 33312035 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $300.00 exceeds tolerance of $216.00 plus 10% or $237.60. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
04/21/2025 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304686394 | 33324331 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | xxxx |
04/25/2025 | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| 304686394 | 33350874 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | 2 | A | B | B | B | A | CA | Primary | Purchase | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||||
| 304681068 | 33323350 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | xxxx |
04/24/2025 | 1 | A | A | A | A | A | A | A | A | A | A | HI | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304681068 | 33323408 | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | xxxx | xxxx |
04/24/2025 | 1 | C | A | C | A | C | A | C | A | C | A | HI | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304681069 | 33322827 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 1.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx | xxxx |
05/21/2025 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||
| 304681069 | 33322828 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx | xxxx |
05/19/2025 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||
| 304681069 | 33322831 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | xxxx | xxxx |
05/01/2025 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | A | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| 304681069 | 33480838 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |
05/21/2025 | 1 | A | A | A | A | A | IL | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||
| 304678067 | 33327654 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | xxxx | xxxx |
04/30/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304678067 | 33327655 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | xxxx | xxxx |
04/30/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304678067 | 33327661 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx | xxxx |
04/30/2025 | 1 | B | A | C | A | B | A | C | A | B | A | CO | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304678067 | 33327662 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 51.55786% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | xxxx | xxxx |
04/30/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304678067 | 33327663 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx |
04/30/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304682207 | 33322132 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $101.76 exceeds tolerance of $100.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
04/22/2025 | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| 304682207 | 33331130 | Compliance | TRID | Document Error | TRID | Closing Disclosure: Dates are not in chronological order. | - Issue Date: ___; Received Date: ___; Signed Date: ___ | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Purchase | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304683203 | 33324557 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
04/22/2025 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||
| 304676808 | 33332394 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |
05/01/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304676808 | 33332397 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx | xxxx |
05/01/2025 | 1 | B | A | C | A | B | A | C | A | B | A | TX | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304678786 | 33334659 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx | xxxx |
04/28/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | No Defined Cure | C | B | B | B | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||
| 304678786 | 33334660 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $3,093.20 exceeds tolerance of $2,935.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
04/23/2025 | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | B | B | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| 304678786 | 33335216 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Refinance - Cash-out - Other | C | B | B | B | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304686688 | 33342705 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | 2 | B | B | B | B | B | B | B | B | B | B | WA | Primary | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304686688 | 33342999 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-3,350.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
04/28/2025 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304686688 | 33345792 | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. The representative FICO score is above 680. |
767 FICO | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
05/06/2025 | 2 | C | B | C | B | C | B | C | B | C | B | WA | Primary | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||
| 304680469 | 33345949 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | xxxx | xxxx |
04/25/2025 | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| 304680469 | 33345998 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx | xxxx |
04/25/2025 | 1 | B | A | C | A | B | A | C | A | B | A | AZ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| 304680469 | 33345999 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx | xxxx |
04/25/2025 | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||
| 304679513 | 33340466 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $12,729.07 exceeds tolerance of $10,769.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
05/23/2025 | 2 | C | B | C | B | C | B | C | B | C | B | GA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304679513 | 33340467 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,620.50 exceeds tolerance of $1,386.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
04/28/2025 | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304684724 | 33343991 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx | xxxx |
04/28/2025 | 1 | B | A | C | A | B | A | C | A | B | A | OK | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304684724 | 33343992 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx | xxxx |
04/28/2025 | 1 | C | A | C | A | C | A | C | A | C | A | OK | Primary | Purchase | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304684724 | 33425623 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | 2 | B | B | B | B | B | OK | Primary | Purchase | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||||
| 304678060 | 33340375 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | 2 | B | B | B | B | B | B | B | B | B | B | MN | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304678060 | 33340377 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $595.00 exceeds tolerance of $580.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
04/24/2025 | 1 | A | A | A | A | A | A | A | A | A | A | MN | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||
| 304685782 | 33343005 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $228.00 exceeds tolerance of $94.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
04/24/2025 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| 304679634 | 33342406 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx | xxxx |
04/28/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304679634 | 33342407 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx | xxxx |
04/28/2025 | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304666824 | 33350715 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx | xxxx |
04/29/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 304679267 | 33349861 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | 2 | B | B | B | B | B | B | B | B | B | B | MI | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304679267 | 33350060 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $1,156.50 exceeds tolerance of $871.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
04/29/2025 | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| 304679267 | 33355316 | Credit | Credit | Public Records | Credit | Public Records/Collections/Charge Off does not meet guidelines. | xxxx | xxxx |
05/13/2025 | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| 304676180 | 33352534 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |
04/29/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304676180 | 33352537 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
04/25/2025 | 1 | A | A | A | A | A | A | A | A | A | A | NC | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304676180 | 33352542 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx | xxxx |
04/29/2025 | 1 | B | A | C | A | B | A | C | A | B | A | NC | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304666771 | 33355017 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | xxxx | xxxx |
04/28/2025 | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304666771 | 33355026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx | xxxx |
04/28/2025 | 1 | B | A | C | A | B | A | C | A | B | A | SC | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304666771 | 33355027 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx | xxxx |
04/28/2025 | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304666777 | 33350838 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Purchase | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304666777 | 33350878 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $25.20 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
04/25/2025 | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| 304666777 | 33350879 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Home Inspection Fee. Fee Amount of $200.00 exceeds tolerance of $175.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
04/25/2025 | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| 304676183 | 33351074 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | xxxx |
04/29/2025 | 1 | D | A | D | A | D | A | D | A | D | A | MI | Primary | Refinance - Cash-out - Other | D | A | A | A | A | A | D | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304679595 | 33361047 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $7,700.00 exceeds tolerance of $6,325.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
04/28/2025 | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304691354 | 33368258 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304691354 | 33368260 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of $8,330.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
05/06/2025 | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304684725 | 33366547 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | 2 | B | B | B | B | B | B | B | B | B | B | CA | Second Home | Purchase | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304684725 | 33366548 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | 2 | B | B | B | B | B | B | B | B | B | B | CA | Second Home | Purchase | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304684725 | 33366550 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $150.00 exceeds tolerance of $60.00 plus 10% or $66.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
04/29/2025 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Second Home | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| 304678104 | 33380824 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304669851 | 33385908 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
04/30/2025 | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304669851 | 33385909 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $429.00 exceeds tolerance of $300.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
04/30/2025 | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304683320 | 33391519 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | 2 | B | B | B | B | B | B | B | B | B | B | MI | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304683320 | 33391551 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | xxxx | 2 | B | B | B | B | B | B | B | B | B | B | MI | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304682136 | 33391799 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
05/21/2025 | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304682136 | 33391800 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
05/21/2025 | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304682136 | 33391803 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $450.00 exceeds tolerance of $250.00 plus 10% or $275.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
05/21/2025 | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304682136 | 33407139 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | xxxx | xxxx |
05/12/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304682136 | 33407143 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx | xxxx |
05/12/2025 | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304682136 | 33407144 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx |
05/12/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304682136 | 33420423 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | xxxx |
05/12/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304693674 | 33400110 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $147.19 exceeds tolerance of $138.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
05/02/2025 | 1 | A | A | A | A | A | A | A | A | A | A | AZ | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||
| 304679201 | 33401083 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $120.00 exceeds tolerance of $80.00 plus 10% or $88.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
05/02/2025 | 1 | A | A | A | A | A | A | A | A | A | A | UT | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| 304683204 | 33400271 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-4,253.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
05/07/2025 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304683204 | 33400273 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $16,609.42 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
05/07/2025 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304693932 | 33422470 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
05/28/2025 | 1 | C | A | C | A | C | A | C | A | C | A | UT | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304693932 | 33430322 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $175.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
05/28/2025 | 1 | C | A | C | A | C | A | C | A | C | A | UT | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304693932 | 33532032 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
05/28/2025 | 1 | A | A | A | A | A | UT | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||||
| 304691514 | 33403509 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Homeowners Insurance Included In Escrow Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether Homeowners Insurance is included in escrow. | xxxx | xxxx |
05/19/2025 | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304691514 | 33403510 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of on Final Closing Disclosure provided on xx/xx/xxxx are underdisclosed | xxxx | xxxx |
05/19/2025 | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304691514 | 33403511 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Taxes Included In Escrow | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether property taxes are included in escrow. | xxxx | xxxx |
05/19/2025 | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304691514 | 33403512 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan will have an escrow account. | xxxx | xxxx |
05/19/2025 | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304691514 | 33403513 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx did not disclose Estimated Property Costs over Year 1 for loan with no escrow account established. | xxxx | xxxx |
05/19/2025 | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304691514 | 33403514 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan will have an escrow account. | xxxx | xxxx |
05/19/2025 | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304682008 | 33408204 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $125.50 exceeds tolerance of $96.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
05/05/2025 | 1 | A | A | A | A | A | A | A | A | A | A | OR | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | B | B | B | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| 304682008 | 33424312 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx | 2 | B | B | B | B | B | B | B | B | B | B | OR | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304682008 | 33437918 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | 2 | B | B | B | B | B | B | B | B | B | B | OR | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304682125 | 33422876 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Income Fee. Fee Amount of $35.09 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower. | xxxx | xxxx |
05/07/2025 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304682125 | 33422891 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $8,541.52 exceeds tolerance of $8,351.00. Sufficient or excess cure was provided to the borrower. | xxxx | xxxx |
05/07/2025 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304692235 | 33436076 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $150.00 exceeds tolerance of $117.00 plus 10% or $128.70. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
05/09/2025 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| 304692238 | 33434466 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Refinance - Rate/Term | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304685677 | 33435436 | Compliance | Compliance | State Compliance | State Defect | Illinois SB 1894 | IL Predatory Lending Database Program (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording. | xxxx |
05/14/2025 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| 304685677 | 33435439 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $188.00 exceeds tolerance of $121.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
05/09/2025 | 1 | A | A | A | A | A | A | A | A | A | A | IL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| 304685677 | 33435470 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided | xxxx |
05/14/2025 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304694314 | 33435429 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $875.00 exceeds tolerance of $715.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
05/15/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304694314 | 33444332 | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | Borrower has worked in the same position for more than 3 years. Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. The representative FICO score is above 680. |
xxxx years with current employer. | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC |
xxxx |
05/12/2025 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||
| 304694314 | 33457785 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $875.00 exceeds tolerance of $715.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
05/15/2025 | 1 | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||||
| 304686655 | 33436200 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | 2 | B | B | B | B | B | B | B | B | B | B | CO | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304693673 | 33449578 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | xxxx | xxxx |
05/15/2025 | 1 | C | A | C | A | C | A | C | A | C | A | UT | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304693673 | 33449603 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx | xxxx |
05/15/2025 | 1 | B | A | C | A | B | A | C | A | B | A | UT | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304693673 | 33449605 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx | xxxx |
05/15/2025 | 1 | C | A | C | A | C | A | C | A | C | A | UT | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304693673 | 33449606 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $595.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
05/13/2025 | 1 | A | A | A | A | A | A | A | A | A | A | UT | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| 304686653 | 33440485 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | xxxx | 2 | B | B | B | B | B | B | B | B | B | B | IL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304691372 | 33439799 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx | 2 | B | B | B | B | B | B | B | B | B | B | UT | Primary | Purchase | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304511682 | 33447148 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | xxxx | xxxx |
05/16/2025 | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304683415 | 33453638 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx | xxxx |
05/15/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Second Home | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304637100 | 33436677 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | xxxx | xxxx |
03/07/2025 | 1 | B | A | B | A | B | A | B | A | B | A | WI | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304637100 | 33436678 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx | xxxx |
03/14/2025 | 1 | B | A | B | A | B | A | B | A | B | A | WI | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304637100 | 33436680 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,052.00 exceeds tolerance of $919.00 plus 10% or $1,010.90. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
03/27/2025 | 2 | C | B | C | B | C | B | C | B | C | B | WI | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304637100 | 33436681 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $112.00 exceeds tolerance of $56.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
03/12/2025 | 1 | C | A | C | A | C | A | C | A | C | A | WI | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304637100 | 33436685 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | xxxx | xxxx |
04/15/2025 | 1 | C | A | C | A | C | A | C | A | C | A | WI | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304637100 | 33436686 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Title and Purchase Contract reflect Shared Driveway. Provide executed acceptable Shared Driveway Easement Agreement. | xxxx |
04/02/2025 | 1 | A | A | A | A | A | WI | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| 304637100 | 33436687 | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcripts (1040). | xxxx | xxxx |
04/10/2025 | 1 | A | A | A | A | A | WI | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| 304642348 | 33436728 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | xxxx |
03/21/2025 | 1 | A | A | A | A | A | A | A | A | A | A | NC | Primary | Purchase | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304642348 | 33436729 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | xxxx | xxxx |
03/21/2025 | 1 | B | A | B | A | B | A | B | A | B | A | NC | Primary | Purchase | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304642348 | 33436731 | Credit | Guideline | Guideline Issue | Guideline | Borrower has been on current job less than 2 years, and prior employment history was not documented as required. | xxxx | xxxx |
04/10/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304642348 | 33436732 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | Unable to determine if the borrower signed a valuation receipt acknowledgment due to missing information. | xxxx |
04/07/2025 | 1 | B | A | B | A | B | A | B | A | B | A | NC | Primary | Purchase | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304642348 | 33436733 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | xxxx | xxxx |
04/16/2025 | 1 | A | A | A | A | A | NC | Primary | Purchase | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| 304642348 | 33436734 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | xxxx | xxxx |
04/16/2025 | 1 | A | A | A | A | A | NC | Primary | Purchase | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| 304640108 | 33436745 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | xxxx | xxxx |
04/17/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NV | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304640108 | 33436746 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx | xxxx |
03/27/2025 | 1 | B | A | B | A | B | A | B | A | B | A | NV | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304640108 | 33436747 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | xxxx | xxxx |
03/27/2025 | 1 | B | A | B | A | B | A | B | A | B | A | NV | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304640108 | 33436748 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of 0.00 on Final Closing Disclosure provided on xx/xx/xxxx are underdisclosed. | xxxx | xxxx |
04/09/2025 | 2 | C | B | C | B | C | B | C | B | C | B | NV | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304640108 | 33436750 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | xxxx | xxxx |
04/04/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NV | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304640108 | 33436751 | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcripts (1040). | - | xxxx | xxxx |
03/27/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NV | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304640108 | 33436752 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Per AUS 2 years 1065, K-1 and 1004 required if in business less than 5 years, Entity established 2022, Missing 2023 income docs . | xxxx |
03/27/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NV | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304640108 | 33436753 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $126.00 exceeds tolerance of $84.00 plus 10% or $92.40. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
03/21/2025 | 1 | A | A | A | A | A | A | A | A | A | A | NV | Primary | Purchase | Final CD evidences Cure | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304640108 | 33436754 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $135.00 exceeds tolerance of $98.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
03/21/2025 | 1 | A | A | A | A | A | A | A | A | A | A | NV | Primary | Purchase | Final CD evidences Cure | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304637673 | 33436782 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. | xxxx | xxxx |
03/27/2025 | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Purchase | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304637673 | 33436784 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $3,735.15 exceeds tolerance of $3,733.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
04/04/2025 | 2 | C | B | C | B | C | B | C | B | C | B | SC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304643331 | 33436856 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx | xxxx |
04/22/2025 | 1 | B | A | C | A | B | A | C | A | B | A | FL | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304643331 | 33436857 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx | xxxx |
04/22/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304643331 | 33436860 | Compliance | Compliance | Federal Compliance | TILA | Federal LO Compensation Dual Compensation Dodd Frank Test | Loan Originator Compensation: Dual compensation received from both a consumer and person other than consumer. | xxxx | xxxx |
04/07/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304643331 | 33436861 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | xxxx | xxxx |
04/23/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304672271 | 33436911 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $385.21 exceeds tolerance of $250.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
04/01/2025 | 1 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| 304672271 | 33436912 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $136.00 exceeds tolerance of $120.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
04/01/2025 | 1 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| 304672271 | 33436913 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Tax Return Fee. Fee Amount of $51.00 exceeds tolerance of $50.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
04/01/2025 | 1 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| 304667774 | 33436988 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | xxxx | xxxx |
04/14/2025 | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304667774 | 33436990 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | xxxx | xxxx |
04/15/2025 | 1 | B | A | B | A | B | A | B | A | B | A | AZ | Primary | Purchase | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304667774 | 33436991 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing 2024 corporate extension for xxxx. Review used 2024 year end P&L for income calculations as most conservative approacuh based on absence of 2024 returns. | xxxx |
04/23/2025 | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304679218 | 33437068 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
04/17/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304679218 | 33437071 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | xxxx | xxxx |
04/16/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304675694 | 33437092 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | xxxx | xxxx |
04/22/2025 | 1 | B | A | B | A | B | A | B | A | B | A | MI | Second Home | Purchase | D | B | C | B | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304675694 | 33437093 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xx/xx/xxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | xxxx | xxxx |
04/23/2025 | 1 | C | A | C | A | C | A | C | A | C | A | MI | Second Home | Purchase | D | B | C | B | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304675694 | 33437095 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | xxxx | xxxx |
04/22/2025 | 1 | D | A | D | A | D | A | D | A | D | A | MI | Second Home | Purchase | D | B | C | B | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304675694 | 33437096 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Appraisal report reflects neighbourhood characteristics as Rural and Zoning description as Resort Mixed Use; however, mixed use properties are ineligible as per guidelines. | Borrower has been employed in the same industry for more than 5 years. Borrower has worked in the same position for more than 3 years. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The qualifying DTI on the loan is less than or equal to 35%. The representative FICO score exceeds the guideline minimum by at least 40 points. The representative FICO score is above 680. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
04/25/2025 | 2 | C | B | C | B | C | B | C | B | C | B | MI | Second Home | Purchase | D | B | C | B | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 304675694 | 33437097 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | Missing xxxx extension for xxxx and xxxx. The 2024 returns were due xxxx for both entities. Loan closed xx/xx/xxxx. | xxxx |
04/24/2025 | 1 | C | A | C | A | C | A | C | A | C | A | MI | Second Home | Purchase | D | B | C | B | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304671334 | 33437155 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | xxxx | xxxx |
04/25/2025 | 1 | B | A | B | A | B | A | B | A | B | A | TN | Primary | Purchase | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304671334 | 33437157 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $205.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
04/15/2025 | 1 | A | A | A | A | A | A | A | A | A | A | TN | Primary | Purchase | Final CD evidences Cure | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304671334 | 33437158 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided | xxxx | xxxx |
04/25/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Purchase | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304699170 | 33437225 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $205.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
04/24/2025 | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304699163 | 33437234 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx |
05/07/2025 | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304693935 | 33446534 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Purchase | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304694199 | 33447241 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $611.61 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
05/13/2025 | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304695002 | 33449582 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
05/13/2025 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304707135 | 33472525 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | xxxx |
05/20/2025 | 1 | D | A | D | A | D | A | D | A | D | A | CA | Primary | Purchase | D | B | A | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304707135 | 33472543 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | D | B | A | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304707135 | 33472544 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | D | B | A | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304707135 | 33472547 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $925.00 exceeds tolerance of $800.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
06/05/2025 | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | A | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304707135 | 33472549 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $188.00 exceeds tolerance of $75.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
06/05/2025 | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | A | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304707135 | 33493218 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM provided is invalid. The FSD is greater than 0.2. Sec ID: 12 | xxxx | xxxx |
05/29/2025 | 1 | A | A | A | A | A | CA | Primary | Purchase | D | B | A | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| 304707134 | 33469342 | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | The representative FICO score is above 680. Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The qualifying DTI on the loan is at least 10% less than the guideline maximum. |
Good credit, low ratios, O/O purchase | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
05/15/2025 | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Purchase | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||
| 304707131 | 33468577 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | xxxx | xxxx |
06/05/2025 | 1 | B | A | B | A | B | A | B | A | B | A | OH | Primary | Purchase | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304707131 | 33468578 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | xxxx |
06/05/2025 | 1 | B | A | C | A | B | A | C | A | B | A | OH | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304707131 | 33468579 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) | Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. | 2 | B | B | B | B | B | B | B | B | B | B | OH | Primary | Purchase | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304707137 | 33526422 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304707137 | 33526423 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304691591 | 33443566 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | xxxx |
04/02/2025 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304691591 | 33443567 | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | xxxx |
04/02/2025 | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304691634 | 33443613 | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | xxxx |
03/27/2025 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Second Home | Purchase | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304691634 | 33443615 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx | xxxx |
03/28/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Second Home | Purchase | No Defined Cure | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 304691634 | 33443616 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Contact Information - Lender | TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name, Contact NMLS ID). | xxxx | xxxx |
04/02/2025 | 2 | C | B | C | B | C | B | C | B | C | B | CA | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304691726 | 33443624 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx |
04/02/2025 | 2 | B | B | B | B | B | B | B | B | B | B | LA | Primary | Purchase | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304691697 | 33443673 | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | xxxx |
04/02/2025 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304691596 | 33443799 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $108.25 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
04/09/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304692239 | 33453941 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304693428 | 33454385 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304694107 | 33453461 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | xxxx | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304700982 | 33473338 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | xxxx |
05/28/2025 | 1 | B | A | C | A | B | A | C | A | B | A | IA | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| 304700982 | 33492544 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $925.00 exceeds tolerance of $850.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
05/20/2025 | 1 | A | A | A | A | A | A | A | A | A | A | IA | Primary | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||
| 304700982 | 33492545 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $304.00 exceeds tolerance of $291.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
05/20/2025 | 1 | A | A | A | A | A | A | A | A | A | A | IA | Primary | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||
| 304700982 | 33526072 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | 2 | A | B | B | B | A | IA | Primary | Purchase | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||||
| 304687248 | 33474253 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | xxxx |
05/23/2025 | 1 | B | A | C | A | B | A | C | A | B | A | PA | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| 304687248 | 33474408 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $343.50 exceeds tolerance of $292.00 plus 10% or $321.20. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
05/16/2025 | 1 | A | A | A | A | A | A | A | A | A | A | PA | Primary | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| 304687248 | 33511052 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | 2 | A | B | B | B | A | PA | Primary | Purchase | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||||
| 304685082 | 33480479 | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. Borrower has owned the subject property for at least 5 years. Borrower has verified disposable income of at least $2500.00. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. The representative FICO score is above 680. |
792 credit score, minimum required is 680. | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
05/20/2025 | 2 | B | B | B | B | B | B | B | B | B | B | ME | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||
| 304685082 | 33480499 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | 2 | B | B | B | B | B | B | B | B | B | B | ME | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304693755 | 33480107 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | 2 | B | B | B | B | B | B | B | B | B | B | UT | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304697084 | 33480124 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | 2 | B | B | B | B | B | B | B | B | B | B | UT | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304697084 | 33480194 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $120.00 exceeds tolerance of $80.00 plus 10% or $88.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
05/19/2025 | 1 | A | A | A | A | A | A | A | A | A | A | UT | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304702488 | 33496010 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | xxxx | xxxx |
05/28/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304702488 | 33496025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx | xxxx |
05/28/2025 | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304702488 | 33496026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 50.78819% significantly exceeds the guideline maximum of 45.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | xxxx | xxxx |
05/28/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304702488 | 33496027 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx | xxxx |
05/28/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304702488 | 33496028 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $90.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
05/21/2025 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| 304702488 | 33496070 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx | xxxx |
05/28/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | No Defined Cure | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 304683322 | 33515951 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | 2 | B | B | B | B | B | B | B | B | B | B | WA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 304695570 | 33509778 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Reinspection Fee. Fee Amount of $175.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
05/23/2025 | 1 | A | A | A | A | A | A | A | A | A | A | VA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| 304686687 | 33510051 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |
05/28/2025 | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304686687 | 33510056 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx | xxxx |
05/28/2025 | 1 | B | A | C | A | B | A | C | A | B | A | MD | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304686687 | 33527889 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | 2 | B | B | B | B | B | MD | Primary | Purchase | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||||
| 304695811 | 33512082 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx | 2 | B | B | B | B | B | B | B | B | B | B | IN | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304695811 | 33512122 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx | 2 | B | B | B | B | B | B | B | B | B | B | IN | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304695811 | 33512123 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $30.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
05/23/2025 | 1 | A | A | A | A | A | A | A | A | A | A | IN | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | B | B | B | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |