COLT SECURITIZATION DEPOSITOR, LLC ABS-15G
Exhibit 99.25
| Seller | Loan ID | Deal ID | Seller Loan ID | Investor Loan ID | Queue | Created Date | Last Modified Date | Finding Status | Event Level | Finding Category | Finding Sub Category | Finding Name | Reviewer Comments | Seller Comments | Finding Resolution | Finding Document | Reviewer Comp Factors | Originator Comp Factors | State | Occupancy | Loan Purpose | Refinance Purpose | Unique Finding ID | Acknowledged / Waived By | Waiver in File? |
| XXXX | XXXX | 4350115828 | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Documentation uploaded. Finding Resolved. - Due Diligence Vendor-XXXX Ready for Review-Document Uploaded. - Due Diligence Vendor-XXXX Counter-Document Uploaded. - Due Diligence Vendor-XXXX Counter- - Due Diligence Vendor-XXXX Ready for Review-Missing the 12-month mortgage history for the borrower's primary residence at XXXX, the credit report reflects only 10 months payments itemized, and no previous residence verification was provided. Documentation provided was for the subject property which was already in the file. - Due Diligence Vendor-XXXX Ready for Review-Document Uploaded. - Buyer-XXXX Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. lender guidelines require a full 12-month mortgage history for the borrower's primary residence. Despite this requirement, the credit report only verifies 10 months of payments and no previous VOM/VOR was provided. - Due Diligence Vendor-XXXX |
Resolved-Documentation uploaded. Finding Resolved. - Due Diligence Vendor-XXXX |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A | |||||
| XXXX | XXXX | 4350115829 | Closed | XXXX | XXXX | Waived | 2 - Non-Material | Credit | Eligibility | Ineligible Property Type | Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XXXX Ready for Review-Document Uploaded. - Buyer-XXXX Open-Property type is ineligible due to Matrix does not allow 5-unit properties.. - Due Diligence Vendor-XXXX |
Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a XXXX. - Due Diligence Vendor-XXXX |
XXXX | FICO XXXX, XXXX>720 Min LTV XXXX%, XXXX%<65% Max mtg 0x30x50 vs 1x30x12 |
XXXX | Investment | Refinance | Cash Out - Other | XXXX | Originator Post-Close | No | ||||
| XXXX | XXXX | 4350115832 | Closed | XXXX | XXXX | Acknowledged | 1 - Information | Property | Value | XXXX value equals B, secondary product within tolerance | Acknowledged- - Due Diligence Vendor-XXXX Ready for Review-Please waive - Buyer-XXXX Open-XXXX value equals XXXX, secondary product within tolerance. This finding will be rated a XXXX for XXXX. All other agencies will be rated as A. - Due Diligence Vendor-XXXX |
XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes | |||||||
| XXXX | XXXX | 4350115832 | Closed | XXXX | XXXX | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX Resolved-Resolved - Due Diligence Vendor-XXXX Ready for Review-Document Uploaded. - Buyer-XXXX Open-The Initial Closing Disclosure Received Date of (XXXX) is not three business days before the consummation date of (XXXX). Three business days before the consummation date is (XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) The initial CD is missing from the loan file. Additional conditions may apply. No Cure. - Due Diligence Vendor-XXXX |
Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX Resolved-Resolved - Due Diligence Vendor-XXXX |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A | |||||
| XXXX | XXXX | 4350115835 | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Missing Doc | Final HUD/Settlement Statement Not Provided | Resolved-Final HUD provided. Finding Resolved. - Due Diligence Vendor-XXXX Ready for Review-Document Uploaded. - Buyer-XXXX Open-The final HUD/Settlement Statement is missing. Final HUD/Settlement Statement Not Provided, HUD in file is marked "XXXX". - Due Diligence Vendor-XXXX |
Resolved-Final HUD provided. Finding Resolved. - Due Diligence Vendor-XXXX |
XXXX | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A | |||||
| XXXX | XXXX | 4350115837 | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-The lender provided required documentation. Condition resolved. - Due Diligence Vendor-XXXX Ready for Review-Document Uploaded. here is the Note and FPL that is all you need here. - Buyer-XXXX Open- The file is missing Final CD, Deed of Trust and First payment Letter for REO 3c (primary) that closed concurrently with the subject property. - Due Diligence Vendor-XXXX |
Resolved-The lender provided required documentation. Condition resolved. - Due Diligence Vendor-XXXX |
XXXX | XXXX | Second Home | Refinance | Cash Out - Other | XXXX | N/A | N/A | |||||
| XXXX | XXXX | 4350115837 | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Missing Doc | Missing Evidence of HOA Dues for Primary Residence | Resolved-The lender provided required documentation. Condition resolved. - Due Diligence Vendor-XXXX Ready for Review-Document Uploaded. Title show it is not a condo or PUD no HOA Fees - Seller-XXXX Open-Missing Evidence of HOA Dues for Primary Residence - Due Diligence Vendor-XXXX |
Ready for Review-Document Uploaded. Title show it is not a condo or PUD no HOA Fees - Seller-XXXX |
Resolved-The lender provided required documentation. Condition resolved. - Due Diligence Vendor-XXXX |
XXXX | XXXX | Second Home | Refinance | Cash Out - Other | XXXX | N/A | N/A | ||||
| XXXX | XXXX | 4350115837 | Closed | XXXX | XXXX | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-The lender provided required documentation. Condition resolved. - Due Diligence Vendor-XXXX Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-XXXX Ready for Review-Provided in other condition - Buyer-XXXX Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements The file is missing Final CD, Deed of Trust and First payment Letter and HOA for REO 3c that closed concurrently with the subject property. - Due Diligence Vendor-XXXX |
Resolved-The lender provided required documentation. Condition resolved. - Due Diligence Vendor-XXXX Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-XXXX |
XXXX | Second Home | Refinance | Cash Out - Other | XXXX | N/A | N/A | ||||||
| XXXX | XXXX | 4350115837 | Closed | XXXX | XXXX | Waived | 2 - Non-Material | Credit | Title | Property Title Issue | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XXXX Ready for Review-Document Uploaded. - Buyer-XXXX Open-Property Title Issue The lender guidelines only allow the loan to be vested in an Entity for primary and second homes by lender exception only. The file is missing the lender exception. - Due Diligence Vendor-XXXX |
Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XXXX |
XXXX | LTV XXXX% vs 75% max FICO XXXX > 660 Minimum |
XXXX | Second Home | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes | ||||
| XXXX | XXXX | 4350115837 | Closed | XXXX | XXXX | Acknowledged | 1 - Information | Property | Value | XXXX value equals B, secondary product within tolerance | Acknowledged-XXXX value equals XXXX, secondary product within tolerance. This finding will be rated a XXXX for XXXX. All other agencies will be rated as XXXX. - Due Diligence Vendor-XXXX Ready for Review-Please waive - Buyer-XXXX Open-XXXX value equals XXXX, secondary product within tolerance. This finding will be rated a XXXX for XXXX. All other agencies will be rated as XXXX - Due Diligence Vendor-XXXX |
Acknowledged-XXXX value equals B, secondary product within tolerance. This finding will be rated a B for XXXX. All other agencies will be rated as A. - Due Diligence Vendor-XXXX |
XXXX | Second Home | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No | ||||||
| XXXX | XXXX | 4350115838 | Closed | XXXX | XXXX | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Employment validation/verification standards do not meet requirements | Resolved-Condition cleared. - Due Diligence Vendor-XXXX Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-XXXX Ready for Review-Document Uploaded. - Buyer-XXXX Open-ATR Risk - Employment validation/verification standards do not meet requirements The file is missing VVOE with XXXX days of the Note for the Borrower's XXXX job. - Due Diligence Vendor-XXXX |
Resolved-Condition cleared. - Due Diligence Vendor-XXXX Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-XXXX |
XXXX | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||||
| XXXX | XXXX | 4350115838 | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received VVOE. Condition cleared. - Due Diligence Vendor-XXXX Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XXXX Ready for Review-Document Uploaded. - Buyer-XXXX Open-Borrower 1 3rd Party VOE Prior to Close Missing The file is missing a VVOE with XXXX days of the Note for the Borrowers XXXX job listed on the final 1003. - Due Diligence Vendor-XXXX |
Resolved-Received VVOE. Condition cleared. - Due Diligence Vendor-XXXX Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XXXX |
XXXX | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||||
| XXXX | XXXX | 4350115839 | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-XXXX Ready for Review-Document Uploaded. - Buyer-XXXX Open-Borrower 1 3rd Party VOE Prior to Close Missing Provide supporting document to verify existence of business note more than XXXX days from note date - Due Diligence Vendor-XXXX |
Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-XXXX |
XXXX | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A | |||||
| XXXX | XXXX | 4350115839 | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Missing Doc | Missing income documentation | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-XXXX Ready for Review-Document Uploaded. - Buyer-XXXX Open-Provide any of the following document CPA/Accountant, IRS Enrolled Agent, or Licensed Tax Preparer letter, operating agreement, or equivalent, reflecting the borrower’s business ownership percentage. - Due Diligence Vendor-XXXX |
Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-XXXX |
XXXX | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A | |||||
| XXXX | XXXX | 4350115839 | Closed | XXXX | XXXX | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation on TRID loan is missing for borrower(s) | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX Resolved-E-Consent documentation on TRID loan for borrower(s) provided. - Due Diligence Vendor-XXXX Ready for Review-Document Uploaded. This is not TRID it is BPL, Non TRID - Buyer-XXXX Open-E-Consent documentation on TRID loan is missing for borrower(s). - Due Diligence Vendor-XXXX |
Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX Resolved-E-Consent documentation on TRID loan for borrower(s) provided. - Due Diligence Vendor-XXXX |
XXXX | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A | |||||
| XXXX | XXXX | 4350115839 | Closed | XXXX | XXXX | Resolved | 1 - Information | Compliance | Missing Doc | Missing Final HUD-1: HUD in file Preliminary/Estimated only | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX Ready for Review-Document Uploaded. - Buyer-XXXX Open-Missing Final HUD-1: Compliance testing utilized Preliminary/ Estimated HUD from loan file. Additional exceptions may occur upon receipt of complete Final HUD-1. - Due Diligence Vendor-XXXX |
Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX |
XXXX | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A | |||||
| XXXX | XXXX | 4350115840 | Closed | XXXX | XXXX | Resolved | 1 - Information | Compliance | Missing Doc | Dry Funding State - Missing Confirmation of Final Figures | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX Ready for Review-Document Uploaded. - Buyer-XXXX Counter-Received a Final Settlement statement. The Fees on the statement do not match the final Closing disclosure. Provide PCCD or the correct Final Settlement Statement. Condition remains. - Due Diligence Vendor-XXXX Ready for Review-Document Uploaded. - Buyer-XXXX Open-Subject property is located in a XXXX. Missing affirmation that final fees were provided to the borrower at consummation or a PCCD with final figures. - Due Diligence Vendor-XXXX |
Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A | |||||
| XXXX | XXXX | 4350115841 | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Missing Doc | The Note is Incomplete | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-XXXX Resolved-The Note is Present - Due Diligence Vendor-XXXX Ready for Review-Document Uploaded. - Buyer-XXXX Open-The Note is Incomplete Provide revised Note will be reflecting the correct XXXX ID for Broker - Due Diligence Vendor-XXXX |
Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-XXXX Resolved-The Note is Present - Due Diligence Vendor-XXXX |
XXXX | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||||
| XXXX | XXXX | 4350115841 | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Missing Doc | Incomplete Mortgage/Deed of Trust | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-XXXX Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-XXXX Ready for Review-Document Uploaded. - Seller-XXXX Open-The Deed of Trust is Incomplete Provide revised DOT will be reflecting the correct XXXX ID for Broker - Due Diligence Vendor-XXXX |
Ready for Review-Document Uploaded. - Seller-XXXX |
Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-XXXX Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-XXXX |
XXXX | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | ||||
| XXXX | XXXX | 4350115841 | Closed | XXXX | XXXX | Acknowledged | 1 - Information | Property | Value | XXXX value equals B, secondary product within tolerance | Acknowledged-XXXX value equals XXXX, secondary product within tolerance. This finding will be rated a XXXX for XXXX. All other agencies will be rated as XXXX. - Due Diligence Vendor-XXXX Ready for Review-Please waive - Buyer-XXXX Open-XXXX value equals XXXX, secondary product within tolerance. This finding will be rated a XXXX for XXXX. All other agencies will be rated as XXXX . - Due Diligence Vendor-XXXX |
Acknowledged-XXXX value equals B, secondary product within tolerance. This finding will be rated a B for XXXX. All other agencies will be rated as A. - Due Diligence Vendor-XXXX |
XXXX | Primary Residence | Purchase | NA | XXXX | Investor Post-Close | No | ||||||
| XXXX | XXXX | 4350115842 | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Missing Doc | Final HUD/Settlement Statement Not Provided | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-XXXX Ready for Review-Document Uploaded. - Buyer-XXXX Open-The final HUD/Settlement Statement is missing. - Due Diligence Vendor-XXXX |
Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-XXXX |
XXXX | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A | |||||
| XXXX | XXXX | 4350115844 | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-XXXX Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Missing payment history on the subject property. Per the Note, the borrower was required to make interest only payments during the XXXX phase. - Due Diligence Vendor-XXXX |
Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-XXXX |
XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A | ||||||
| XXXX | XXXX | 4350115845 | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-XXXX Ready for Review-Document Uploaded. - Buyer-XXXX Open-XXXX & XXXX business bank statements are missing in file - Due Diligence Vendor-XXXX |
Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-XXXX |
XXXX | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A | |||||
| XXXX | XXXX | 4350115846 | Closed | XXXX | XXXX | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Employment validation/verification standards do not meet requirements | Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-XXXX Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-XXXX Ready for Review-Document Uploaded. - Seller-XXXX Open-ATR Risk - Employment validation/verification standards do not meet requirements B2 VOE is missing in loan file - Due Diligence Vendor-XXXX |
Ready for Review-Document Uploaded. - Seller-XXXX |
Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-XXXX Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-XXXX |
XXXX | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | ||||
| XXXX | XXXX | 4350115846 | Closed | XXXX | XXXX | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-XXXX Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements . - Due Diligence Vendor-XXXX Ready for Review-Document Uploaded. - Buyer-XXXX Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Total Qualified Assets for Reserves Post-Close of $XXXX is less than Total Required Reserve Amount of $XXXX - Due Diligence Vendor-XXXX |
Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-XXXX |
XXXX | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||||
| XXXX | XXXX | 4350115846 | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals XXXX) - Due Diligence Vendor-XXXX Resolved-Document provided. Finding Resolved. - Due Diligence Vendor-XXXX Ready for Review-Document Uploaded. - Buyer-XXXX Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-XXXX |
Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-XXXX Resolved-Document provided. Finding Resolved. - Due Diligence Vendor-XXXX |
XXXX | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||||
| XXXX | XXXX | 4350115846 | Closed | XXXX | XXXX | Waived | 2 - Non-Material | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XXXX Ready for Review-Document Uploaded. - Buyer-XXXX Open-Audited Reserves of XXXX month(s) are less than Guideline Required Reserves of 9 month(s) FMC 16 - 30 yr fixed OO - Due Diligence Vendor-XXXX |
Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XXXX |
XXXX | DTI XXXX% < 50% Max Res Inc XXXX > 1.5K Housing 0x30x72 vs 01x30x12 B1 SE XXXX yrs > 2 Yr Min B2 SE XXXXyrs > 2 yrs min |
XXXX | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes | ||||
| XXXX | XXXX | 4350115846 | Closed | XXXX | XXXX | Waived | 2 - Non-Material | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XXXX Open-Total Qualified Assets for Reserves Post-Close of $XXXX is less than Total Required Reserve Amount of $XXXX - Due Diligence Vendor-XXXX Ready for Review-Document Uploaded. - Buyer-XXXX Open-Total Qualified Assets for Reserves Post-Close of $XXXX is less than Total Required Reserve Amount of $XXXX - Due Diligence Vendor-XXXX |
Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XXXX |
XXXX | DTI XXXX% < 50% Max Res Inc XXXX > 1.5K Housing 0x30x72 vs 01x30x12 B1 SE XXXX yrs > 2 Yr Min B2 SE XXXXyrs > 2 yrs min |
XXXX | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes | ||||
| XXXX | XXXX | 4350115846 | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Borrower | Missing LOE for excessive credit inquiries | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX Ready for Review-Document Uploaded. - Seller-XXXX Open-Missing LOE for excessive credit inquiries LOX provided for credit inquiries on page#XXXX however it is not signed by both borrowers. - Due Diligence Vendor-XXXX |
Ready for Review-Document Uploaded. - Seller-XXXX |
Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX |
XXXX | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | ||||
| XXXX | XXXX | 4350115846 | Closed | XXXX | XXXX | Acknowledged | 1 - Information | Property | Value | XXXX value equals B, secondary product within tolerance | Acknowledged-XXXX value equals XXXX, secondary product within tolerance. This finding will be rated a XXXX for XXXX. All other agencies will be rated as XXXX. - Due Diligence Vendor-XXXX Ready for Review-Please waive - Seller-XXXX Open-XXXX value equals XXXX, secondary product within tolerance. This finding will be rated a XXXX for XXXX. All other agencies will be rated as XXXX. - Due Diligence Vendor-XXXX |
Ready for Review-Please waive - Seller-XXXX |
Acknowledged-XXXX value equals B, secondary product within tolerance. This finding will be rated a B for XXXX. All other agencies will be rated as A. - Due Diligence Vendor-XXXX |
XXXX | Primary Residence | Purchase | NA | XXXX | Investor Post-Close | No | |||||
| XXXX | XXXX | 4350115847 | Closed | XXXX | XXXX | Resolved | 1 - Information | Compliance | Missing Doc | Dry Funding State - Missing Confirmation of Final Figures | Resolved-PCCD provided. Finding Resolved. - Due Diligence Vendor-XXXX Ready for Review-Document Uploaded. - Buyer-XXXX Counter-The lender provided the Final HUD-1, however there were multiple fee's that changed from the final CD. A PCCD is still required. - Due Diligence Vendor-XXXX Ready for Review-Document Uploaded. - Buyer-XXXX Open-Subject property is located in a dry funding state. Missing affirmation that final fees were provided to the borrower at consummation or a PCCD with final figures. This finding is non-material and will be rated a XXXX for all agencies. - Due Diligence Vendor-XXXX |
Resolved-PCCD provided. Finding Resolved. - Due Diligence Vendor-XXXX |
XXXX | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||||
| XXXX | XXXX | 4350115847 | Closed | XXXX | XXXX | Acknowledged | 1 - Information | Property | Value | XXXX value equals B, secondary product within tolerance | Acknowledged-XXXX value equals XXXX, secondary product within tolerance. This finding will be rated a XXXX for XXXX. All other agencies will be rated as XXXX. - Due Diligence Vendor-XXXX Ready for Review-Please waive - Buyer-XXXX Open-XXXX value equals XXXX, secondary product within tolerance. This finding will be rated a XXXX for XXXX. All other agencies will be rated as XXXX. - Due Diligence Vendor-XXXX |
Acknowledged-XXXX value equals B, secondary product within tolerance. This finding will be rated a B for XXXX. All other agencies will be rated as A. - Due Diligence Vendor-XXXX |
XXXX | Primary Residence | Purchase | NA | XXXX | Investor Post-Close | No | ||||||
| XXXX | XXXX | 4350115851 | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-XXXX Ready for Review-Document Uploaded. - Buyer-XXXX Open-GL requires income worksheet detailing income calculation however same is missing in the file. - Due Diligence Vendor-XXXX |
Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-XXXX |
XXXX | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A | |||||
| XXXX | XXXX | 4350115852 | Closed | XXXX | XXXX | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation on TRID loan is missing for borrower(s) | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-XXXX Resolved-E-Consent documentation on TRID loan for borrower(s) provided. - Due Diligence Vendor-XXXX Ready for Review-Document Uploaded. - Buyer-XXXX Open-E-Consent documentation on TRID loan is missing for borrower(s). - Due Diligence Vendor-XXXX |
Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-XXXX Resolved-E-Consent documentation on TRID loan for borrower(s) provided. - Due Diligence Vendor-XXXX |
XXXX | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A | |||||
| XXXX | XXXX | 4350115852 | Closed | XXXX | XXXX | Acknowledged | 1 - Information | Property | Value | XXXX value equals B, secondary product within tolerance | Acknowledged-XXXX value equals XXXX, secondary product within tolerance. This finding will be rated a XXXX for XXXX. All other agencies will be rated as XXXX. - Due Diligence Vendor-XXXX Ready for Review-Please waive - Buyer-XXXX Open-XXXX value equals XXXX, secondary product within tolerance. This finding will be rated a XXXX for XXXX. All other agencies will be rated as XXXX. - Due Diligence Vendor-XXXX |
Acknowledged-XXXX value equals B, secondary product within tolerance. This finding will be rated a B for XXXX. All other agencies will be rated as A. - Due Diligence Vendor-XXXX |
XXXX | Investment | Purchase | NA | XXXX | Investor Post-Close | No | ||||||
| XXXX | XXXX | 4350115856 | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Missing Doc | Asset 1 Missing | Resolved-Received HUD from refinance of REO XXXX. Condition cleared. - Due Diligence Vendor-XXXX Resolved-Asset 1 Provided - Due Diligence Vendor-XXXX Ready for Review-Document Uploaded. - Buyer-XXXX Open-Asset 1 Missing Cashout proceeds from refinance of REO XXXX is missing from the loan file. - Due Diligence Vendor-XXXX |
Resolved-Received HUD from refinance of REO 4. Condition cleared. - Due Diligence Vendor-XXXX Resolved-Asset 1 Provided - Due Diligence Vendor-XXXX |
XXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A | |||||
| XXXX | XXXX | 4350115858 | Closed | XXXX | XXXX | Waived | 2 - Non-Material | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a XXXX. - Due Diligence Vendor-XXXX Open- - Due Diligence Vendor-XXXX Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a XXXX. - Due Diligence Vendor-XXXX Ready for Review-Document Uploaded. - Buyer-XXXX Open-Audited LTV of 80% exceeds Guideline LTV of 75% - Due Diligence Vendor-XXXX |
Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XXXX Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XXXX |
XXXX | Res XXXX, XXXX>2 min FICO XXXX, XXXX>660 DSCR XXXX, .XXXX>1.0 min Pri Mtg 0x30xx42 vs 1x30x12 Subj Mtg 1st 0x30x36/2nd 0x30x24 vs 1x30x12 |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | Originator Post-Close | No | ||||
| XXXX | XXXX | 4350115859 | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved- - Due Diligence Vendor-XXXX Rescinded-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX Ready for Review-Document Uploaded. The Note is attached what do you mean the tax docs it was a purchase transaction, you would use the 1007 from the appraisal or $XXXX. I have uploaded the appraisal so you can see the 1007. - Seller-XXXX Open-REO 1 is concertante loan. We have Insurance & HOA related documents in loan file. However, we required supporting documents for P&I and Tax documents for calculating the rental income for REO 1. Upon receipt of required documents, additional conditions may apply - Due Diligence Vendor-XXXX |
Ready for Review-Document Uploaded. The Note is attached what do you mean the tax docs it was a purchase transaction, you would use the 1007 from the appraisal or $XXXX. I have uploaded the appraisal so you can see the 1007. - Seller-XXXX |
Rescinded-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A | ||||
| XXXX | XXXX | 4350115859 | Closed | XXXX | XXXX | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-XXXX Ready for Review-See other conditions for docs - Seller-XXXX Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements REO 1 is concertante loan. We have Insurance & HOA related documents in loan file. However, we required supporting documents for P&I and Tax documents for calculating the rental income for REO 1. - Due Diligence Vendor-XXXX |
Ready for Review-See other conditions for docs - Seller-XXXX |
Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-XXXX |
XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A | |||||
| XXXX | XXXX | 4350115859 | Closed | XXXX | XXXX | Resolved | 1 - Information | Compliance | Missing Doc | Dry Funding State - Missing Confirmation of Final Figures | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX Ready for Review-Document Uploaded. - Buyer-XXXX Open-Missing Confirmation of Final Figures: Subject property is located in a dry funding state. Missing affirmation that final fees were provided to the borrower at consummation or a PCCD with final figures. - Due Diligence Vendor-XXXX |
Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A | |||||
| XXXX | XXXX | 4350115859 | Closed | XXXX | XXXX | Resolved | 1 - Information | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (XXXX) | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX Resolved-Resolved - Due Diligence Vendor-XXXX Ready for Review-Document Uploaded. - Seller-XXXX Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($XXXX). The Last CD shows a total lender credit amount of ($XXXX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). The Loan Estimate, dated (XXXX), reflects a general Lender Credit of ($XXXX) in Section J. Final CD dated (XXXX) reflects a general Lender Credit of ($XXXX) in Section J. The loan file did not contain a valid COC to support the decrease - Due Diligence Vendor-XXXX |
Ready for Review-Document Uploaded. - Seller-XXXX |
Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX Resolved-Resolved - Due Diligence Vendor-XXXX |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A | ||||
| XXXX | XXXX | 4350115859 | Closed | XXXX | XXXX | Resolved | 1 - Information | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (XXXX) | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX Resolved-Resolved - Due Diligence Vendor-XXXX Ready for Review-Document Uploaded. - Buyer-XXXX Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits is ($XXXX). The actual total fee amount shows a credit amount of ($XXXX). The following actual fees submitted as "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure. (12 CFR 1026.19e)(3) and comments 19(e)(3)-5 and -6; 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). The Loan Estimate, dated (XXXX), reflects a general Lender Credit of ($XXXX) in Section J. Final CD dated (XXXX) reflects a general Lender Credit of ($XXXX) in Section J. The loan file did not contain a valid COC to support the decrease - Due Diligence Vendor-XXXX |
Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX Resolved-Resolved - Due Diligence Vendor-XXXX |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A | |||||
| XXXX | XXXX | 4350115860 | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-XXXX Ready for Review-Document Uploaded. - Buyer-XXXX Open-The borrower's primary residence was recently originated with same lender. The file is missing the Final CD and Note required to validate the P&I. Additional conditions may apply. - Due Diligence Vendor-XXXX |
Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-XXXX |
XXXX | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A | |||||
| XXXX | XXXX | 4350115860 | Closed | XXXX | XXXX | Resolved | 1 - Information | Compliance | Missing Doc | Final HUD-1 Document is Missing | Resolved-Final HUD-1 Document is not missing. - Due Diligence Vendor-XXXX Ready for Review-Document Uploaded. - Buyer-XXXX Counter-Deed was uploaded. Please upload the final HUD. - Due Diligence Vendor-XXXX Ready for Review-Document Uploaded. - Buyer-XXXX Open-Final HUD-1 Document is missing. - Due Diligence Vendor-XXXX |
The lender provided the required documentation. Condition resolved. - XXXX |
Resolved-Final HUD-1 Document is not missing. - Due Diligence Vendor-XXXX |
XXXX | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A | ||||
| XXXX | XXXX | 4350115861 | Closed | XXXX | XXXX | Waived | 2 - Non-Material | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XXXX Ready for Review-Document Uploaded. - Buyer-XXXX Open-Audited FICO of XXXX is less than Guideline FICO of 720 - Due Diligence Vendor-XXXX |
Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XXXX |
XXXX | Reserves XXXX months, XXXX>2 month min Housing History 0x30x99 Experienced Investor |
XXXX | Investment | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes | ||||
| XXXX | XXXX | 4350115861 | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-XXXX Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XXXX Ready for Review-Document Uploaded. - Buyer-XXXX Open-Hazard Insurance Policy Partially Provided Premium amount is not present on the policy document - Due Diligence Vendor-XXXX |
Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-XXXX Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XXXX |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A | |||||
| XXXX | XXXX | 4350115865 | Closed | XXXX | XXXX | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-XXXX Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements . - Due Diligence Vendor-XXXX Ready for Review-Document Uploaded. - Seller-XXXX Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Borrower has qualified using 12-month bank statement but XXXX bank statement is missing and As per matrix 9 months reserves are required however only XXXX months reserves are provided. - Due Diligence Vendor-XXXX |
Ready for Review-Document Uploaded. - Seller-XXXX |
Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-XXXX |
XXXX | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | ||||
| XXXX | XXXX | 4350115865 | Closed | XXXX | XXXX | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Credit History taken into consideration does not meet requirements | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-XXXX Ready for Review-Document Uploaded. - Seller-XXXX Open-ATR Risk - Credit History taken into consideration does not meet requirements The lender guidelines require non-institutional party VOR to also provide either the last 12 months cancelled checks or bank statements for verification of no late payments. The file is missing last 12 months cancelled checks or bank statements. - Due Diligence Vendor-XXXX |
Ready for Review-Document Uploaded. - Seller-XXXX |
Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-XXXX |
XXXX | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | ||||
| XXXX | XXXX | 4350115865 | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Missing Doc | Missing income documentation | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX Ready for Review-Document Uploaded. - Buyer-XXXX Open-Borrower has qualified using 12 months bank statement; however, XXXX bank statement is missing. - Due Diligence Vendor-XXXX |
Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX |
XXXX | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||||
| XXXX | XXXX | 4350115865 | Closed | XXXX | XXXX | Waived | 2 - Non-Material | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XXXX Ready for Review-Document Uploaded. - Buyer-XXXX Open-Total Qualified Assets for Reserves Post-Close of $XXXX is less than Total Required Reserve Amount of $XXXX - Due Diligence Vendor-XXXX |
Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XXXX |
XXXX | DTI XXXX% < 50% max Res Inc XXXX > 1.5k min SE XXXX years > 2 yr min |
XXXX | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes | ||||
| XXXX | XXXX | 4350115865 | Closed | XXXX | XXXX | Waived | 2 - Non-Material | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XXXX Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XXXX Ready for Review-Document Uploaded. - Buyer-XXXX Open-Housing History Does Not Meet Guideline Requirements The lender guidelines require non-institutional party VOR to also provide either the last 12 months cancelled checks or bank statements for verification of no late payments. The file is missing last 12 months cancelled checks or bank statements. - Due Diligence Vendor-XXXX |
Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XXXX Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XXXX |
XXXX | DTI XXXX% < 50% max Res Inc XXXX > 1.5k min SE XXXX years > 2 yr min Housing History 0x30x24 vs 1x30x12 max |
XXXX | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes | ||||
| XXXX | XXXX | 4350115865 | Closed | XXXX | XXXX | Waived | 2 - Non-Material | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XXXX Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XXXX Ready for Review-Document Uploaded. - Seller-XXXX Open-Audited Reserves of XXXX month(s) are less than Guideline Required Reserves of 9 month(s) - Due Diligence Vendor-XXXX |
Ready for Review-Document Uploaded. - Seller-XXXX |
Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XXXX Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XXXX |
XXXX | DTI XXXX% < 50% max Res Inc XXXX > 1.5k min SE XXXX years > 2 yr min |
XXXX | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes | |||
| XXXX | XXXX | 4350115869 | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Lender income calc. worksheet uploaded. Finding Resolved. - Due Diligence Vendor-XXXX Ready for Review-Document Uploaded. - Buyer-XXXX Open-Provide missing income worksheet detailing income calculations - Due Diligence Vendor-XXXX |
Resolved-Lender income calc. worksheet uploaded. Finding Resolved. - Due Diligence Vendor-XXXX |
XXXX | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||||
| XXXX | XXXX | 4350115872 | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX Ready for Review-Document Uploaded. - Buyer-XXXX Open-Missing verification of taxes, insurance, and/or HOA fees for non-subject property - Due Diligence Vendor-XXXX |
Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A | |||||
| XXXX | XXXX | 4350115876 | Closed | XXXX | XXXX | Waived | 2 - Non-Material | Credit | Title | Property Title Issue | Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a XXXX. - Due Diligence Vendor-XXXX Ready for Review-Document Uploaded. - Buyer-XXXX Open-Property Title Issue The lender guidelines require a lender exception for Primary and Second hones to be vested in an Entity. The file is missing the lender exception. - Due Diligence Vendor-XXXX |
Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XXXX |
XXXX | FICO XXXX, XXXX pts>680 min DTI XXXX%, XXXX%<50.00% max Res XXXX mo, XXXX>3 mo min |
XXXX | Second Home | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes | ||||
| XXXX | XXXX | 4350115880 | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-The lender provided the required documents. Condition resolved. - Due Diligence Vendor-XXXX Open-Missing document to validate additional dues of $XXXX reflecting under Monthly Insurance, Taxes, Association Dues, etc of REO 3a of final 1003. - Due Diligence Vendor-XXXX |
Doc uploaded - XXXX |
Resolved-The lender provided the required documents. Condition resolved. - Due Diligence Vendor-XXXX |
XXXX | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | ||||
| XXXX | XXXX | 4350115880 | Closed | XXXX | XXXX | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-The lender provided the required documents. Condition resolved. - Due Diligence Vendor-XXXX Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-XXXX Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Missing document to validate additional dues of $XXXX reflecting under Monthly Insurance, Taxes, Association Dues, etc of REO 3a of final 1003. - Due Diligence Vendor-XXXX |
Resolved-The lender provided the required documents. Condition resolved. - Due Diligence Vendor-XXXX Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-XXXX |
XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | ||||||
| XXXX | XXXX | 4350115880 | Closed | XXXX | XXXX | Resolved | 1 - Information | Compliance | Missing Doc | Dry Funding State - Missing Confirmation of Final Figures | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX Ready for Review-Document Uploaded. - Buyer-XXXX Open-Subject property is located in a dry funding state. The final Settlement Statement in file reflects difference in Title endorsement fee - $XXXX, Title Messenger Fee - $XXXX, Recording Fees $XXXX, Wire Fee $XXXX, Processing Fee of $XXXX vs $XXXX. Provide PCCD with final figures. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XXXX |
Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX |
XXXX | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||||
| XXXX | XXXX | 4350115881 | Closed | XXXX | XXXX | Resolved | 1 - Information | Compliance | Missing Doc | Missing Final HUD-1: HUD in file Preliminary/Estimated only | Resolved-Final HUD provided. Finding Resolved. - Due Diligence Vendor-XXXX Ready for Review-Document Uploaded. - Buyer-XXXX Open-Missing Final HUD-1: Compliance testing utilized Preliminary/ Estimated HUD from loan file. Additional exceptions may occur upon receipt of complete Final HUD-1. - Due Diligence Vendor-XXXX |
Resolved-Final HUD provided. Finding Resolved. - Due Diligence Vendor-XXXX |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A | |||||
| XXXX | XXXX | 4350115882 | Closed | XXXX | XXXX | Resolved | 1 - Information | Compliance | Missing Doc | Missing Final HUD-1: HUD in file Preliminary/Estimated only | Resolved-Final HUD provided. Finding Resolved. - Due Diligence Vendor-XXXX Ready for Review-Document Uploaded. - Buyer-XXXX Open-Missing Final HUD-1: Compliance testing utilized Preliminary/ Estimated HUD from loan file. Additional exceptions may occur upon receipt of complete Final HUD-1. - Due Diligence Vendor-XXXX |
Resolved-Final HUD provided. Finding Resolved. - Due Diligence Vendor-XXXX |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A | |||||
| XXXX | XXXX | 4350115883 | Closed | XXXX | XXXX | Acknowledged | 1 - Information | Property | Value | XXXX value equals B, secondary product within tolerance | Acknowledged-XXXX value equals XXXX, secondary product within tolerance. This finding will be rated a XXXX for XXXX. All other agencies will be rated as XXXX. - Due Diligence Vendor-XXXX Ready for Review-Please waive - Buyer-XXXX Open-XXXX value equals XXXX, secondary product within tolerance. This finding will be rated a XXXX for XXXX. All other agencies will be rated as XXXX . - Due Diligence Vendor-XXXX |
Acknowledged-XXXX value equals B, secondary product within tolerance. This finding will be rated a B for XXXX. All other agencies will be rated as A. - Due Diligence Vendor-XXXX |
XXXX | Investment | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No | ||||||
| XXXX | XXXX | 4350115883 | Closed | XXXX | XXXX | Resolved | 1 - Information | Compliance | Missing Doc | Missing Final HUD-1: HUD in file Preliminary/Estimated only | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX Ready for Review-Document Uploaded. - Buyer-XXXX Open-Missing Final HUD-1: Compliance testing utilized Preliminary/ Estimated HUD from loan file. Additional exceptions may occur upon receipt of complete Final HUD-1. - Due Diligence Vendor-XXXX |
Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A | |||||
| XXXX | XXXX | 4350115883 | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Missing Doc | Missing Evidence of Property Taxes for REO | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX Ready for Review-Document Uploaded. - Buyer-XXXX Open-Evidence of property taxes for property REO 3H # on the B2's final application not provided. - Due Diligence Vendor-XXXX |
Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A | |||||
| XXXX | XXXX | 4350115885 | Closed | XXXX | XXXX | Waived | 2 - Non-Material | Property | Property | Ineligible Property | Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a XXXX. - Due Diligence Vendor-XXXX Open- - Due Diligence Vendor-XXXX Waived-Document Uploaded. - Due Diligence Vendor-XXXX Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a XXXX. - Due Diligence Vendor-XXXX Open-Subject property is XXXX acres which is greater that the max allowed of XXXX per lender guidelines. - Due Diligence Vendor-XXXX |
Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XXXX Waived-Document Uploaded. - Due Diligence Vendor-XXXX Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XXXX |
XXXX | XXXX FICO, XXXX>700 Min XXXX months reserves, XXXX>9 required XXXX% LTV, XXXX%<65% Max |
XXXX | Investment | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes | ||||
| XXXX | XXXX | 4350115885 | Closed | XXXX | XXXX | Waived | 2 - Non-Material | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a XXXX. - Due Diligence Vendor-XXXX Open- - Due Diligence Vendor-XXXX Waived-Document Uploaded. Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a XXXX. - Due Diligence Vendor-XXXX Open-Audited Loan Amount of $XXXX is greater than the Guideline Maximum Loan Amount of $XXXX - Due Diligence Vendor-XXXX |
Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XXXX Waived-Document Uploaded. Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XXXX |
XXXX | XXXX FICO, XXXX>700 Min XXXX months reserves, XXXX>6 required XXXX% LTV, XXXX%<65% Max |
XXXX | Investment | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes | ||||
| XXXX | XXXX | 4350115886 | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-1008 provided. Finding Resolved. - Due Diligence Vendor-XXXX Ready for Review-Document Uploaded. - Buyer-XXXX Open-Missing Approval/Underwriting Summary 1008 is missing in file. GLs required underwriting Summary document - Due Diligence Vendor-XXXX |
Resolved-1008 provided. Finding Resolved. - Due Diligence Vendor-XXXX |
XXXX | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||||
| XXXX | XXXX | 4350115886 | Closed | XXXX | XXXX | Acknowledged | 1 - Information | Property | Value | XXXX value equals B, secondary product within tolerance | Acknowledged-XXXX value equals XXXX, secondary product within tolerance. This finding will be rated a XXXX for XXXX. All other agencies will be rated as XXXX. - Due Diligence Vendor-XXXX Ready for Review-Please waive - Buyer-XXXX Open-XXXX value equals XXXX, secondary product within tolerance. This finding will be rated a XXXX for XXXX. All other agencies will be rated as XXXX . - Due Diligence Vendor-XXXX |
Acknowledged-XXXX value equals B, secondary product within tolerance. This finding will be rated a B for XXXX. All other agencies will be rated as A. - Due Diligence Vendor-XXXX |
XXXX | Primary Residence | Purchase | NA | XXXX | Investor Post-Close | No | ||||||
| XXXX | XXXX | 4350115888 | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Missing Doc | Missing Income - Bank Statements | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX Ready for Review-Document Uploaded. - Due Diligence Vendor-XXXX Ready for Review-Document Uploaded. - Due Diligence Vendor-XXXX Ready for Review-Document Uploaded. - Buyer-XXXX Open-The lender guidelines require 24 consecutive months bank statements to calculate income. The file is missing XXXX bank statement. - Due Diligence Vendor-XXXX |
Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX |
XXXX | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A | |||||
| XXXX | XXXX | 4350115888 | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX Ready for Review-Document Uploaded. - Due Diligence Vendor-XXXX Ready for Review-Document Uploaded. - Due Diligence Vendor-XXXX Ready for Review-Document Uploaded. - Buyer-XXXX Open-Lenders Income calculation worksheet in file does not match the income on the Final 1003 and 1008. Please provided Lender income worksheet used for final income. - Due Diligence Vendor-XXXX |
Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX |
XXXX | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |