Exhibit 99.42
| Seller | Loan ID | Seller Loan ID | Investor Loan ID | Queue | Created Date | Last Modified Date | Finding Status | Event Level | Initial Finding Grade | Current/Final Finding Grade | 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 | 2031302 | Closed | 2025-03-12 16:43 | 2025-03-25 13:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing rent comparable schedule form 1007 | Resolved-Clarification received, finding resolved - Due Diligence Vendor-03/25/2025 Ready for Review-Document Uploaded. - Buyer-03/21/2025 Counter-Uploaded lease was already in file, per notes on appraisal there are two leases for this loan, please clarify if there is a second lease. - Due Diligence Vendor-03/21/2025 Ready for Review-Document Uploaded. - Seller-03/19/2025 Ready for Review-Document Uploaded. Yes. see attached. - Buyer-03/14/2025 Counter-Appraisal mentions ADU was leased out, please let us know if the ADU is leased out or not. - Due Diligence Vendor-03/14/2025 Ready for Review-Document Uploaded. corrected apprsl - Buyer-03/12/2025 Open-1007 in file showing a rental income of $3700 where as rental agreement showing $3350 - Due Diligence Vendor-03/12/2025 |
Counter-2nd lease is not for subject property, it is for another property, could you check and upload the other one for subject property. - Due Diligence Vendor-03/18/2025 Ready for Review-Document Uploaded. - Seller-03/19/2025 |
Resolved-Clarification received, finding resolved - Due Diligence Vendor-03/25/2025 |
XXXX | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 3592988 | N/A | N/A | ||||
| XXXX | 2031302 | Closed | 2025-03-08 08:34 | 2025-03-14 19:37 | Resolved | 1 - Information | C | A | Credit | Assets | Asset General | Resolved-Finding resolved, assets confirmation received - Due Diligence Vendor-03/14/2025 Ready for Review-Document Uploaded. - Buyer-03/12/2025 Open-Gift Letter is showing gift is deposited, proof of amount deposited is missing. - Due Diligence Vendor-03/08/2025 |
Resolved-Finding resolved, assets confirmation received - Due Diligence Vendor-03/14/2025 |
XXXX | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 3563239 | N/A | N/A | |||||
| XXXX | 2031302 | Closed | 2025-03-11 20:07 | 2025-03-14 18:20 | Resolved | 1 - Information | C | A | Credit | Credit | Property potentially affected by FEMA Disaster(s) INDIVIDUAL ASSISTANCE AREA | Resolved-PDI received dated XXXX showing no damage to property or area, finding resolved - Due Diligence Vendor-03/14/2025 Ready for Review-Document Uploaded. - Buyer-03/14/2025 Open-Property potentially affected by FEMA Disaster ID XXXX. XXXX - Declared XXXX with an Incident End Date of XXXX with Public Assistance: YES and Individual Assistance: YES. Property inspection with exterior photos required. - Due Diligence Vendor-03/11/2025 |
Resolved-PDI received dated XXXX showing no damage to property or area, finding resolved - Due Diligence Vendor-03/14/2025 |
XXXX | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 3585443 | N/A | N/A | |||||
| XXXX | 2031302 | Closed | 2025-03-08 06:00 | 2025-03-13 09:46 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-03/13/2025 Ready for Review-Document Uploaded. - Seller-03/12/2025 Open-Title Coverage Amount of $0 is Less than Loan Amount XXXX - Due Diligence Vendor-03/08/2025 |
Ready for Review-Document Uploaded. - Seller-03/12/2025 |
Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-03/13/2025 |
XXXX | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 3563032 | N/A | N/A | ||||
| XXXX | 2020211 | Closed | 2025-03-25 17:54 | 2025-04-08 17:38 | Resolved | 1 - Information | C | A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Borrower has made sufficient funds to meet borrower contribution, finding resolved - Due Diligence Vendor-04/08/2025 Ready for Review-Document Uploaded. EMD $10k + Funds at closing $XXX = $XXX = 10% of PP - Buyer-04/04/2025 Counter-Gift funds are surpassing the down payment which is not allowed per guidelines, please let me know if you have clarification for this discrepancy. - Due Diligence Vendor-04/03/2025 Ready for Review-Document Uploaded. - Buyer-04/01/2025 Counter-Please clarify the total gift funds, documents on file show $XXXX gift provided and PCCD doesnt disclose any gift funds. - Due Diligence Vendor-03/31/2025 Ready for Review-Document Uploaded. see attached -borr funds 53k - Buyer-03/27/2025 Open-Borrower contribution requirement of 10% not being met with $XXXX gift provided - Due Diligence Vendor-03/25/2025 |
Resolved-Borrower has made sufficient funds to meet borrower contribution, finding resolved - Due Diligence Vendor-04/08/2025 |
XXXX | CA | Primary Residence | Purchase | NA | 3691257 | N/A | N/A | |||||
| XXXX | 2020211 | Closed | 2025-03-21 08:17 | 2025-03-28 07:50 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXX provided. Resolved - Due Diligence Vendor-03/28/2025 Ready for Review-Document Uploaded. - Buyer-03/27/2025 Open-Title Coverage Amount of $XXXX is Less than Loan Amount XXXX - Due Diligence Vendor-03/21/2025 |
Resolved-Title Coverage Amount of $XXXX provided. Resolved - Due Diligence Vendor-03/28/2025 |
XXXX | CA | Primary Residence | Purchase | NA | 3665213 | N/A | N/A | |||||
| XXXX | 2016439 | Closed | 2025-04-09 14:33 | 2025-06-09 22:01 | Waived | 2 - Non-Material | C | B | Credit | Credit | Missing subject rental income documentation | Waived-Exception made for missing rental receipt of funds - Due Diligence Vendor-06/09/2025 Ready for Review-Document Uploaded. - Buyer-06/05/2025 Ready for Review-Document Uploaded. - Seller-06/05/2025 Ready for Review-Document Uploaded. - Buyer-06/05/2025 Ready for Review-Document Uploaded. - Buyer-06/05/2025 Counter-Guidelines requires receipt, this is just a statement from the borrower stating they are receiving rents which we cannot count as a rental receipt, please provide clarification on this discrepancy. - Due Diligence Vendor-04/24/2025 Ready for Review-Document Uploaded. - Buyer-04/23/2025 Counter-The guidelines require a current lease must be supported with two most recent bank statements showing the rental payments, we cannot accept borrower stating they are receiving full without showing evidence of the full payments. - Due Diligence Vendor-04/18/2025 Ready for Review-Document Uploaded. - Buyer-04/16/2025 Counter-3 units in total, explanation received for 1 unit, 2 other unit deposits required - Due Diligence Vendor-04/16/2025 Ready for Review-Document Uploaded. - Seller-04/14/2025 Counter-Loan qualified under the cash flow program, lease and 2 months of the most recent payments required - Due Diligence Vendor-04/14/2025 Ready for Review-Loan is DSCR- no rental income being used to qualify - Seller-04/10/2025 Open-Missing most recent 2 month bank statements showing rental income deposits - Due Diligence Vendor-04/09/2025 |
Ready for Review-Document Uploaded. - Seller-06/05/2025 Ready for Review-Document Uploaded. - Seller-04/14/2025 Ready for Review-Loan is DSCR- no rental income being used to qualify - Seller-04/10/2025 |
Waived-Exception made for missing rental receipt of funds - Due Diligence Vendor-06/09/2025 |
XXXX | DSCR is 1.323. Minimum required per guidelines is 1. No derogatory/late credit history listed on the credit report |
NJ | Investment | Refinance | Cash Out - Other | 3816613 | Originator Post-Close | Yes | |||
| XXXX | 2016439 | Closed | 2025-04-09 14:42 | 2025-04-14 15:01 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-04/14/2025 Ready for Review-Document Uploaded. - Buyer-04/10/2025 Open-Housing History Does Not Meet Guideline Requirements Missing housing history for subject property - Due Diligence Vendor-04/09/2025 |
Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-04/14/2025 |
XXXX | NJ | Investment | Refinance | Cash Out - Other | 3816790 | N/A | N/A | |||||
| XXXX | 2013459 | Closed | 2025-04-10 11:56 | 2025-04-15 18:56 | Waived | 2 - Non-Material | C | B | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Waived-Provided gap report is post closing and cannot be used to resolve condition. Condition is waived based on Compensating Factors - Due Diligence Vendor-04/15/2025 Resolved-Requested Gap credit Report provided, hence resolved - Due Diligence Vendor-04/15/2025 Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-04/15/2025 Ready for Review-Document Uploaded. - Seller-04/14/2025 Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Borrower 1 Gap Credit Report is more than 10 days. - Due Diligence Vendor-04/10/2025 |
Ready for Review-Document Uploaded. - Seller-04/14/2025 |
Waived-Provided gap report is post closing and cannot be used to resolve condition. Condition is waived based on Compensating Factors - Due Diligence Vendor-04/15/2025 Resolved-Requested Gap credit Report provided, hence resolved - Due Diligence Vendor-04/15/2025 Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-04/15/2025 |
XXXX | DTI is 8.64%. Maximum allowed per guidelines is 55%. LTV is 26.46%. Maximum allowed per guidelines is 85%. Credit Score is 787. Minimum required per guidelines is 700. |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3825753 | Originator Post-Close | No | |||
| XXXX | 2013459 | Closed | 2025-04-10 12:38 | 2025-04-15 17:56 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received initial CD, finding resolved - Due Diligence Vendor-04/15/2025 Ready for Review-Document Uploaded. - Seller-04/11/2025 Open-TRID: Missing Closing Disclosure Missing initial closing disclosure - Due Diligence Vendor-04/10/2025 |
Ready for Review-Document Uploaded. - Seller-04/11/2025 |
Resolved-Received initial CD, finding resolved - Due Diligence Vendor-04/15/2025 |
XXXX | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3826079 | N/A | N/A | ||||
| XXXX | 2013459 | Closed | 2025-04-10 12:40 | 2025-04-15 17:30 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-04/15/2025 Ready for Review-Document Uploaded. - Buyer-04/11/2025 Open-The Final 1003 is Incomplete Borrower having REO property however Final 1003 5A question showing as No. - Due Diligence Vendor-04/10/2025 |
Resolved-The Final 1003 is Present - Due Diligence Vendor-04/15/2025 |
XXXX | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3826093 | N/A | N/A | |||||
| XXXX | 2013459 | Closed | 2025-04-10 11:41 | 2025-04-15 17:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Validation Resolved' - Due Diligence Vendor-04/15/2025 Ready for Review-Document Uploaded. - Seller-04/11/2025 Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Lender income calculation worksheet is missing in file, considered provided recent 12 months deposits for calculation. - Due Diligence Vendor-04/10/2025 |
Ready for Review-Document Uploaded. - Seller-04/11/2025 |
Resolved-Validation Resolved' - Due Diligence Vendor-04/15/2025 |
XXXX | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3825649 | N/A | N/A | ||||
| XXXX | 2013459 | Closed | 2025-04-10 11:16 | 2025-04-15 17:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-04/15/2025 Ready for Review-Document Uploaded. - Seller-04/11/2025 Open-The 1008 document is missing from the loan file. 1008 document is missing in file. - Due Diligence Vendor-04/10/2025 |
Ready for Review-Document Uploaded. - Seller-04/11/2025 |
Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-04/15/2025 |
XXXX | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3825491 | N/A | N/A | ||||
| XXXX | 2013459 | Closed | 2025-04-10 11:26 | 2025-04-15 11:49 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Requested updated title provided with updated Policy Amount that covers loan amount hence resolved. - Due Diligence Vendor-04/15/2025 Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-04/15/2025 Ready for Review-Document Uploaded. - Buyer-04/14/2025 Open-Title Coverage Amount of XXXX is Less than Loan Amount - Due Diligence Vendor-04/10/2025 |
Resolved-Requested updated title provided with updated Policy Amount that covers loan amount hence resolved. - Due Diligence Vendor-04/15/2025 Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-04/15/2025 |
XXXX | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3825554 | N/A | N/A | |||||
| XXXX | 2016445 | Closed | 2025-04-15 17:36 | 2025-04-30 14:54 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Mortgage | Resolved-Recorded DOT received with updated county - Due Diligence Vendor-04/30/2025 Ready for Review-Document Uploaded. - Buyer-04/29/2025 Open-The county listed on the mortgage is not the same as what is reflected on exhibit 'a' - Due Diligence Vendor-04/15/2025 |
Resolved-Recorded DOT received with updated county - Due Diligence Vendor-04/30/2025 |
XXXX | CA | Primary Residence | Refinance | Cash Out - Other | 3869644 | N/A | N/A | |||||
| XXXX | 2013469 | Closed | 2025-04-14 11:11 | 2025-04-16 08:05 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Required Document Provided, Changes Made in system, Finding Resolved - Due Diligence Vendor-04/16/2025 Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-04/16/2025 Ready for Review-Document Uploaded. - Buyer-04/15/2025 Open-Housing History Does Not Meet Guideline Requirements Borrower living in rent VOR is missing in file. - Due Diligence Vendor-04/14/2025 |
Resolved-Required Document Provided, Changes Made in system, Finding Resolved - Due Diligence Vendor-04/16/2025 Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-04/16/2025 |
XXXX | CA | Primary Residence | Purchase | NA | 3852852 | N/A | N/A | |||||
| XXXX | 2013466 | Closed | 2025-04-15 08:49 | 2025-04-17 14:46 | Waived | 2 - Non-Material | B | B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Cash Out is not completed according to the guideline requirements Exception made for property being listed for sale within 3 months from application date for cash out - Due Diligence Vendor-04/15/2025 | Waived-Cash Out is not completed according to the guideline requirements Exception made for property being listed for sale within 3 months from application date for cash out - Due Diligence Vendor-04/15/2025 |
1. Residual Income is $XXX. Minimum Residual Income required per guidelines is $1,500. 2. No derogatory credit history listed on credit report |
FL | Primary Residence | Refinance | Cash Out - Other | 3864103 | Originator Pre-Close | Yes | |||||
| XXXX | 2016440 | Closed | 2025-04-17 17:26 | 2025-04-22 16:17 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Exception made for no impounds on titanium program - Due Diligence Vendor-04/22/2025 Ready for Review-Document Uploaded. - Buyer-04/18/2025 Open-Loan does not conform to program guidelines Per the XXXX, impounds are required; no option to waive - Due Diligence Vendor-04/17/2025 |
Waived-Exception made for no impounds on XXXX program - Due Diligence Vendor-04/22/2025 |
XXXX | Employed in same business for 20+ years LTV is 27.71%. Maximum allowed per guidelines is 85%. |
TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3892261 | Originator Post-Close | Yes | ||||
| XXXX | 2016440 | Closed | 2025-04-15 13:49 | 2025-04-22 16:15 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Other Rider is Missing | Resolved-Received rider, finding resolved - Due Diligence Vendor-04/22/2025 Ready for Review-Document Uploaded. - Buyer-04/18/2025 Open-Renewal/Extension Exhibit rider is missing. - Due Diligence Vendor-04/15/2025 |
Resolved-Received rider, finding resolved - Due Diligence Vendor-04/22/2025 |
XXXX | TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3865924 | N/A | N/A | |||||
| XXXX | 2016440 | Closed | 2025-04-17 18:22 | 2025-04-22 16:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Title Document is Provided And Complete - Due Diligence Vendor-04/22/2025 Ready for Review-Document Uploaded. - Seller-04/18/2025 Open-Title Document is Incomplete Missing vesting in non-borrower spouse and borrower - Due Diligence Vendor-04/17/2025 |
Ready for Review-Document Uploaded. - Seller-04/18/2025 |
Resolved-Title Document is Provided And Complete - Due Diligence Vendor-04/22/2025 |
XXXX | TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3893223 | N/A | N/A | ||||
| XXXX | 2016440 | Closed | 2025-04-15 13:51 | 2025-04-21 10:52 | Resolved | 1 - Information | C | A | Credit | Income/Employment | VOE performed more than 10 days prior to closing | Resolved-Requested 3rd Party VOE that is within the 10 Business days from closing provided hence resolved. - Due Diligence Vendor-04/21/2025 Ready for Review-Document Uploaded. - Seller-04/18/2025 Open-Provided WVOE date is more than 10 days from closing and provided google search page 3766 is not having date. Hence, provide VOE within 10 days from closing. - Due Diligence Vendor-04/15/2025 |
Ready for Review-Document Uploaded. - Seller-04/18/2025 |
Resolved-Requested 3rd Party VOE that is within the 10 Business days from closing provided hence resolved. - Due Diligence Vendor-04/21/2025 |
XXXX | TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3865941 | N/A | N/A | ||||
| XXXX | 2022663 | Closed | 2025-04-18 18:41 | 2025-04-30 19:15 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV Requirements | Waived-Received exception for LTV. - Due Diligence Vendor-04/30/2025 Ready for Review-Document Uploaded. Exception Approval - Seller-04/29/2025 Open-Audited CLTV of 77.42% exceeds Guideline CLTV of 70% Property in rural area need exception for the LTV. - Due Diligence Vendor-04/18/2025 |
Ready for Review-Document Uploaded. Exception Approval - Seller-04/29/2025 |
Waived-Received exception for LTV. - Due Diligence Vendor-04/30/2025 |
XXXX | 1. Low DTI borrower has a 10.71 back-end DTI and max cam be at 50% 2. Borrower has 102.42 months of reserves, and all that is required is 3 months 3. Credit score is at 780 and minimum required is 740 |
WV | Primary Residence | Refinance | Cash Out - Other | 3904460 | Originator Pre-Close | Yes | |||
| XXXX | 2022663 | Closed | 2025-04-17 09:33 | 2025-04-23 10:10 | Resolved | 1 - Information | C | A | Credit | Credit | DTI discrepancy or failure. | Resolved-Updated 1008 Document uploaded, DTI is matching with the 1008, Verified & entered in system - Resolved - Due Diligence Vendor-04/23/2025 Ready for Review-Document Uploaded. 1003 / 1008 - Seller-04/22/2025 Open-Audited DTI is 10.33 and lender DTI is 14.21. The difference is 3.88. This is due to the difference in all other monthly payments. lender considered below tradeline from final 1003, however it is not reflecting in credit report or any other documentation on file. XXX #XXX with monthly payment of $XXX. GAP credit is missing from file. - Due Diligence Vendor-04/17/2025 |
Ready for Review-Document Uploaded. 1003 / 1008 - Seller-04/22/2025 |
Resolved-Updated 1008 Document uploaded, DTI is matching with the 1008, Verified & entered in system - Resolved - Due Diligence Vendor-04/23/2025 |
XXXX | WV | Primary Residence | Refinance | Cash Out - Other | 3887119 | N/A | N/A | ||||
| XXXX | 2022663 | Closed | 2025-04-17 09:20 | 2025-04-23 10:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/23/2025 Ready for Review-Document Uploaded. Gap Credit - Seller-04/22/2025 Open-Borrower 1 Gap Credit Report is Missing Provide GAP credit report as it is missing from file. - Due Diligence Vendor-04/17/2025 |
Ready for Review-Document Uploaded. Gap Credit - Seller-04/22/2025 |
Resolved-Borrower 1 Gap Credit Report uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/23/2025 |
XXXX | WV | Primary Residence | Refinance | Cash Out - Other | 3887071 | N/A | N/A | ||||
| XXXX | 2022663 | Closed | 2025-04-17 08:49 | 2025-04-23 10:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated 1008 Document uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/23/2025 Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-04/23/2025 Ready for Review-Document Uploaded. 1008 - Seller-04/22/2025 Open-The 1008 document is missing from the loan file. Provide 1008 document as it is missing from file. - Due Diligence Vendor-04/17/2025 |
Ready for Review-Document Uploaded. 1008 - Seller-04/22/2025 |
Resolved-Updated 1008 Document uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/23/2025 Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-04/23/2025 |
XXXX | WV | Primary Residence | Refinance | Cash Out - Other | 3887018 | N/A | N/A | ||||
| XXXX | 2022663 | Closed | 2025-04-17 09:29 | 2025-04-23 10:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/23/2025 Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-04/23/2025 Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/22/2025 Open-Missing Third Party Fraud Report Provide fraud report as it is missing from file. - Due Diligence Vendor-04/17/2025 |
Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/22/2025 |
Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/23/2025 Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-04/23/2025 |
XXXX | WV | Primary Residence | Refinance | Cash Out - Other | 3887094 | N/A | N/A | ||||
| XXXX | 2022663 | Closed | 2025-04-17 10:31 | 2025-04-17 10:42 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.904%) APR equals or exceeds the Federal HPML threshold of (8.23%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.73%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # 450 and the Final Closing disclosure on page # 283-287 reflects escrows. Rate lock date was entered correctly – see page # 46. An interior and exterior appraisal was completed for this property – see page # 33-57 and the appraisal disclosure was provided to the borrower(s)- see page # 31, 32 and confirmation the appraisal was delivered to the borrower – see page # 31, 32. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-04/17/2025 | Resolved-The loan's (8.904%) APR equals or exceeds the Federal HPML threshold of (8.23%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.73%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # 450 and the Final Closing disclosure on page # 283-287 reflects escrows. Rate lock date was entered correctly – see page # 46. An interior and exterior appraisal was completed for this property – see page # 33-57 and the appraisal disclosure was provided to the borrower(s)- see page # 31, 32 and confirmation the appraisal was delivered to the borrower – see page # 31, 32. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-04/17/2025 |
WV | Primary Residence | Refinance | Cash Out - Other | 3887346 | N/A | N/A | ||||||
| XXXX | 2018543 | Closed | 2025-04-18 08:01 | 2025-04-23 11:10 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report provided with cleared alerts. Resolved - Due Diligence Vendor-04/23/2025 Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/22/2025 Open-Fraud Report Shows Uncleared Alerts Fraud Report Shows Uncleared findings - Due Diligence Vendor-04/18/2025 |
Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/22/2025 |
Resolved-Updated Fraud Report provided with cleared alerts. Resolved - Due Diligence Vendor-04/23/2025 |
XXXX | WA | Primary Residence | Purchase | NA | 3897969 | N/A | N/A | ||||
| XXXX | 2018543 | Closed | 2025-04-18 07:21 | 2025-04-23 11:09 | Resolved | 1 - Information | C | A | Credit | Credit | Deficient Income Documentation | Resolved-Operating agreement on page #514 shows borrower ownership of 33%. No finding required. Resolved - Due Diligence Vendor-04/23/2025 Ready for Review-Document Uploaded. UW response per guides it is if you can not determine the nature of business. Attached shows the nature of business. - Seller-04/22/2025 Open-Self-employment Business Narrative doc is missing in the file - Due Diligence Vendor-04/18/2025 |
Ready for Review-Document Uploaded. UW response per guides it is if you can not determine the nature of business. Attached shows the nature of business. - Seller-04/22/2025 |
Resolved-Operating agreement on page #514 shows borrower ownership of 33%. No finding required. Resolved - Due Diligence Vendor-04/23/2025 |
XXXX | WA | Primary Residence | Purchase | NA | 3897863 | N/A | N/A | ||||
| XXXX | 2018541 | Closed | 2025-04-21 10:02 | 2025-04-25 15:54 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-received final Hud for investment property, updated asset page has sufficient funds for reserves - Due Diligence Vendor-04/25/2025 Ready for Review-Document Uploaded. Final Statement for the C/O funds used to close - Seller-04/23/2025 Open-Asset Record 1 Does Not Meet G/L Requirements Asset Record 3 Does Not Meet G/L Requirements We have Other Specify Funds amount $XXXX as per the final 1003 (2b Sec)proof of document is missing in file. - Due Diligence Vendor-04/21/2025 |
Ready for Review-Document Uploaded. Final Statement for the C/O funds used to close - Seller-04/23/2025 |
Resolved-received final Hud for investment property, updated asset page has sufficient funds for reserves - Due Diligence Vendor-04/25/2025 |
XXXX | UT | Primary Residence | Purchase | NA | 3911872 | N/A | N/A | ||||
| XXXX | 2018541 | Closed | 2025-04-21 09:40 | 2025-04-23 10:35 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation (Freddie SSR) Provided. Resolved - Due Diligence Vendor-04/23/2025 Ready for Review-Document Uploaded. Freddie SSR - Seller-04/22/2025 Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Provide the Second Appraisal/ Valuation is Missing. - Due Diligence Vendor-04/21/2025 |
Ready for Review-Document Uploaded. XXXX - Seller-04/22/2025 |
Resolved-Secondary Valuation or Additional Valuation (XXXX) Provided. Resolved - Due Diligence Vendor-04/23/2025 |
XXXX | UT | Primary Residence | Purchase | NA | 3911781 | N/A | N/A | ||||
| XXXX | 2018549 | Closed | 2025-04-22 07:40 | 2025-04-25 08:57 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/25/2025 Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/25/2025 Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/24/2025 Open-Fraud Report Shows Uncleared Alerts Provide the updated fraud report, Fraud Report Shows Uncleared Alerts. - Due Diligence Vendor-04/22/2025 |
Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/24/2025 |
Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/25/2025 Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/25/2025 |
XXXX | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3922434 | N/A | N/A | ||||
| XXXX | 2018549 | Closed | 2025-04-22 07:13 | 2025-04-24 10:14 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Loan Collateral Advisor with CU score less than 2.5 provided, Verified & entered in system - Resolved - Due Diligence Vendor-04/24/2025 Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-04/24/2025 Ready for Review-Document Uploaded. Freddie SSR - Seller-04/23/2025 Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Provide the Second Appraisal/ Valuation is Missing. - Due Diligence Vendor-04/22/2025 |
Ready for Review-Document Uploaded. XXXX - Seller-04/23/2025 |
Resolved-Loan Collateral Advisor with CU score less than 2.5 provided, Verified & entered in system - Resolved - Due Diligence Vendor-04/24/2025 Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-04/24/2025 |
XXXX | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3922343 | N/A | N/A | ||||
| XXXX | 2018549 | Closed | 2025-04-22 06:28 | 2025-04-24 10:13 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Updated Title Commitment uploaded, Title Coverage Amount of $XXXX is equal to Total Amount of Subject Lien(s), Verified & entered in system - Resolved - Due Diligence Vendor-04/24/2025 Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-04/24/2025 Ready for Review-Document Uploaded. Prelim with correct loan amount - Seller-04/23/2025 Open-Title Coverage Amount of $0 is Less than Loan Amount, Provide Title Coverage Amount of $XXXX is Greater than or equal to Loan Amount. - Due Diligence Vendor-04/22/2025 |
Ready for Review-Document Uploaded. Prelim with correct loan amount - Seller-04/23/2025 |
Resolved-Updated Title Commitment uploaded, Title Coverage Amount of $XXXX is equal to Total Amount of Subject Lien(s), Verified & entered in system - Resolved - Due Diligence Vendor-04/24/2025 Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-04/24/2025 |
XXXX | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3922212 | N/A | N/A | ||||
| XXXX | 2018536 | Closed | 2025-04-21 08:05 | 2025-04-24 09:13 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/24/2025 Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/24/2025 Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/23/2025 Open-Fraud Report Shows Uncleared Alerts Provide updated fraud alert with all cleared alerts as the on file shows uncleared alerts. - Due Diligence Vendor-04/21/2025 |
Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/23/2025 |
Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/24/2025 Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/24/2025 |
XXXX | GA | Primary Residence | Refinance | Cash Out - Other | 3911557 | N/A | N/A | ||||
| XXXX | 2018536 | Closed | 2025-04-21 08:39 | 2025-04-21 08:40 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.345%) APR equals or exceeds the Federal HPML threshold of (8.16%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.66%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # 264 and the Final Closing disclosure on page # 99-103 reflects escrows. Rate lock date was entered correctly – see page # 289. An interior and exterior appraisal was completed for this property – see page # 41-76 and the appraisal disclosure was provided to the borrower(s)- see page # 39, 40 and confirmation the appraisal was delivered to the borrower – see page # 39, 40. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-04/21/2025 |
Resolved-The loan's (8.345%) APR equals or exceeds the Federal HPML threshold of (8.16%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.66%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # 264 and the Final Closing disclosure on page # 99-103 reflects escrows. Rate lock date was entered correctly – see page # 289. An interior and exterior appraisal was completed for this property – see page # 41-76 and the appraisal disclosure was provided to the borrower(s)- see page # 39, 40 and confirmation the appraisal was delivered to the borrower – see page # 39, 40. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-04/21/2025 |
GA | Primary Residence | Refinance | Cash Out - Other | 3911640 | N/A | N/A | ||||||
| XXXX | 2016436 | Closed | 2025-04-25 02:44 | 2025-04-30 19:27 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income/Employment General | Resolved-Clarification received for employee count, finding resolved - Due Diligence Vendor-04/29/2025 Open-Business Narrative states there is 1 employee/contractor, expense factor required is 30%, 25% is being utilized to calculate qualifying monthly income. - Due Diligence Vendor-04/29/2025 Ready for Review-Document Uploaded. - Buyer-04/28/2025 |
Resolved-Clarification received for employee count, finding resolved - Due Diligence Vendor-04/29/2025 |
XXXX | CA | Primary Residence | Purchase | NA | 3958603 | N/A | N/A | |||||
| XXXX | 2016436 | Closed | 2025-04-23 11:22 | 2025-04-28 08:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Requested Gap Credit Report provided that is within the 10 business days from closing hence resolved. - Due Diligence Vendor-04/28/2025 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/28/2025 Ready for Review-Document Uploaded. - Buyer-04/25/2025 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-04/23/2025 |
Resolved-Requested Gap Credit Report provided that is within the 10 business days from closing hence resolved. - Due Diligence Vendor-04/28/2025 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/28/2025 |
XXXX | CA | Primary Residence | Purchase | NA | 3935326 | N/A | N/A | |||||
| XXXX | 2022588 | Closed | 2025-04-21 09:38 | 2025-05-05 17:41 | Cured | 2 - Non-Material | C | B | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Cured-Received PCCD, check and LOX, finding cured - Due Diligence Vendor-05/05/2025 Resolved-Resolved - Due Diligence Vendor-05/05/2025 Ready for Review-Document Uploaded. - Buyer-05/02/2025 Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). From Revised LE (04/01/2025) to Initial CD (04/02/2025) Appraisal Fee increased to $1,550, there is no COC in file please provide COC or lender credits to cure this tolerance - Due Diligence Vendor-04/21/2025 |
Cured-Received PCCD, check and LOX, finding cured - Due Diligence Vendor-05/05/2025 Resolved-Resolved - Due Diligence Vendor-05/05/2025 |
XXXX | AZ | Second Home | Purchase | NA | 3911778 | N/A | N/A | |||||
| XXXX | 2022661 | Closed | 2025-04-23 12:27 | 2025-04-30 11:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/30/2025 Resolved-Validation Resolved' - Due Diligence Vendor-04/30/2025 Ready for Review-Document Uploaded. Income Items - Seller-04/29/2025 Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Lender income calculation worksheet on page #472 only reflects 3 months of account #XXXX deposits. Additional worksheet to include account #XXXX and 12 month calculation required. - Due Diligence Vendor-04/23/2025 |
Ready for Review-Document Uploaded. Income Items - Seller-04/29/2025 |
Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/30/2025 Resolved-Validation Resolved' - Due Diligence Vendor-04/30/2025 |
XXXX | TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3935793 | N/A | N/A | ||||
| XXXX | 2022661 | Closed | 2025-04-23 13:04 | 2025-04-29 10:32 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/29/2025 Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/29/2025 Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/28/2025 Open-Fraud Report Shows Uncleared Alerts Fraud Report has uncleared alerts. - Due Diligence Vendor-04/23/2025 |
Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/28/2025 |
Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/29/2025 Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/29/2025 |
XXXX | TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3936167 | N/A | N/A | ||||
| XXXX | 2022661 | Closed | 2025-04-23 12:52 | 2025-04-29 10:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/29/2025 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/29/2025 Ready for Review-Document Uploaded. Gap Credit - Seller-04/28/2025 Open-Borrower 1 Gap Credit Report is Missing Provide GAP credit report as it is missing from file. - Due Diligence Vendor-04/23/2025 |
Ready for Review-Document Uploaded. Gap Credit - Seller-04/28/2025 |
Resolved-Borrower 1 Gap Credit Report uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/29/2025 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/29/2025 |
XXXX | TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3936047 | N/A | N/A | ||||
| XXXX | 2022661 | Closed | 2025-04-23 13:03 | 2025-04-29 10:31 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Assets provided, Audited Reserves of 129.48 month(s) are greater than Guideline Required Reserves of 6 month(s), Verified - Resolved - Due Diligence Vendor-04/29/2025 Resolved-Audited Reserves of 129.48 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-04/29/2025 Ready for Review-Document Uploaded. 1003 with reserves and investment statement - Seller-04/28/2025 Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) Per Super Kind program, min 6 months of reserves are required. No assets provided. - Due Diligence Vendor-04/23/2025 Open- - Due Diligence Vendor-04/23/2025 |
Ready for Review-Document Uploaded. 1003 with reserves and investment statement - Seller-04/28/2025 |
Resolved-Assets provided, Audited Reserves of 129.48 month(s) are greater than Guideline Required Reserves of 6 month(s), Verified - Resolved - Due Diligence Vendor-04/29/2025 Resolved-Audited Reserves of 129.48 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-04/29/2025 |
XXXX | TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3936152 | N/A | N/A | ||||
| XXXX | 2022665 | Closed | 2025-04-24 10:10 | 2025-05-13 12:42 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 3.99 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-05/13/2025 Ready for Review-Document Uploaded. Updated Reserves - 1003 & statement - Seller-05/12/2025 Counter-Final CD funds went to x wife. Borrower still does not have funds for the reserves. Based on final 1003. - Due Diligence Vendor-05/01/2025 Ready for Review-Document Uploaded. It is a cash out per the Settlement Statement - Seller-04/30/2025 Counter-Based on final CD borrower paying 1,118.84 at closing. - Due Diligence Vendor-04/29/2025 Ready for Review-Document Uploaded. Approval. C/O funds being used for reserves - Seller-04/28/2025 Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) Loan program is XXXX. Per GL, 6 months reserves are required. Borrower using cash out amount for payoff off equity per final CD page #314 which results in shortage of reserves. Provide sufficient assets to meet reserve requirement. - Due Diligence Vendor-04/24/2025 |
Ready for Review-Document Uploaded. Updated Reserves - 1003 & statement - Seller-05/12/2025 Ready for Review-Document Uploaded. It is a cash out per the Settlement Statement - Seller-04/30/2025 Ready for Review-Document Uploaded. Approval. C/O funds being used for reserves - Seller-04/28/2025 |
Resolved-Audited Reserves of 3.99 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-05/13/2025 |
XXXX | UT | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3947767 | N/A | N/A | ||||
| XXXX | 2022665 | Closed | 2025-04-25 17:23 | 2025-05-01 12:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Paying x wife is a rate term - Due Diligence Vendor-05/15/2025 Ready for Review-Document Uploaded. It is a cash out per the Settlement Statement - Seller-04/30/2025 Counter-Based on final CD borrower is paying 1,118.84 at closing not receiving 88k at closing. - Due Diligence Vendor-04/29/2025 Ready for Review-Document Uploaded. 1008 - Seller-04/28/2025 Open-1008 Document is Missing Need updated 1008 shows borrower getting funds at closing as a cash out based on final CD rate & Term - Due Diligence Vendor-04/25/2025 |
Ready for Review-Document Uploaded. It is a cash out per the Settlement Statement - Seller-04/30/2025 Ready for Review-Document Uploaded. 1008 - Seller-04/28/2025 |
Resolved-Paying x wife is a rate term - Due Diligence Vendor-05/15/2025 |
XXXX | UT | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3965562 | N/A | N/A | ||||
| XXXX | 2022665 | Closed | 2025-04-24 10:13 | 2025-04-29 10:36 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/29/2025 Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/29/2025 Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/28/2025 Open-Fraud Report Shows Uncleared Alerts Provide updated fraud report with all cleared alerts as the one file shows uncleared alerts. - Due Diligence Vendor-04/24/2025 |
Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/28/2025 |
Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/29/2025 Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/29/2025 |
XXXX | UT | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3947786 | N/A | N/A | ||||
| XXXX | 2022665 | Closed | 2025-04-24 10:05 | 2025-04-28 10:11 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Loan Collateral Advisor with CU score less than or equal to 2.5 provided, Verified & entered in system - Resolved - Due Diligence Vendor-04/28/2025 Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-04/28/2025 Ready for Review-Document Uploaded. Freddie SSR - Seller-04/25/2025 Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Provide Secondary Valuation or Additional Valuation as it is missing from file. - Due Diligence Vendor-04/24/2025 |
Ready for Review-Document Uploaded. XXXX - Seller-04/25/2025 |
Resolved-Loan Collateral Advisor with CU score less than or equal to 2.5 provided, Verified & entered in system - Resolved - Due Diligence Vendor-04/28/2025 Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-04/28/2025 |
XXXX | UT | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3947724 | N/A | N/A | ||||
| XXXX | 2022671 | Closed | 2025-04-24 06:36 | 2025-04-29 12:28 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Updated 1003 provided. Resolved. - Due Diligence Vendor-04/29/2025 Resolved-The Final 1003 is Present - Due Diligence Vendor-04/29/2025 Ready for Review-Document Uploaded. Updated 1003 - Seller-04/28/2025 Open-The Final 1003 is Incomplete For XXXX, years in industry (2) is < years in job (4.6). Provide updated 1003 with correct information. - Due Diligence Vendor-04/24/2025 |
Ready for Review-Document Uploaded. Updated 1003 - Seller-04/28/2025 |
Resolved-Updated 1003 provided. Resolved. - Due Diligence Vendor-04/29/2025 Resolved-The Final 1003 is Present - Due Diligence Vendor-04/29/2025 |
XXXX | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3946360 | N/A | N/A | ||||
| XXXX | 2022658 | Closed | 2025-04-25 15:40 | 2025-05-02 12:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 W2/1099 Missing | Resolved-Borrower 1 W2/1099 not required - actually a bank statement program. Updated business bank statement worksheet provided. - Due Diligence Vendor-05/02/2025 Ready for Review-Document Uploaded. UW response: Regarding the income this is a 12 month bank statement loan, so the W2’s 1099’s don’t apply. Attached please find the Income Worksheet here. - Seller-05/01/2025 Open-Borrower 1 W2/1099 Missing Please provide 1099/W2s for self employed borrower. If the tax return exceeds 90 days of the note date, a YTD Profit & Loss Statement (P&L) dated within 90 days of note date is needed as well. We have 2 bank statements in file. - Due Diligence Vendor-04/25/2025 |
Ready for Review-Document Uploaded. UW response: Regarding the income this is a 12 month bank statement loan, so the W2’s 1099’s don’t apply. Attached please find the Income Worksheet here. - Seller-05/01/2025 |
Resolved-Borrower 1 W2/1099 not required - actually a bank statement program. Updated business bank statement worksheet provided. - Due Diligence Vendor-05/02/2025 |
XXXX | TX | Primary Residence | Purchase | NA | 3964097 | N/A | N/A | ||||
| XXXX | 2022658 | Closed | 2025-04-23 07:58 | 2025-05-02 10:08 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Property is verified to be Free & Clear, Verified - Resolved - Due Diligence Vendor-05/02/2025 Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-05/02/2025 Ready for Review-Document Uploaded. UW Response: Regarding the borrower’s primary residence; They have owned this property since XXXX. The previous mortgage with XXXX is showing on credit and evidence of paid T&I are in file. That property was refinanced with us and title confirmed the property was free & clear. - Seller-05/01/2025 Open-Housing History Does Not Meet Guideline Requirements Provide proof of 12 months payment history for primary address as it is not in file. - Due Diligence Vendor-04/23/2025 |
Ready for Review-Document Uploaded. UW Response: Regarding the borrower’s primary residence; They have owned this property since XXX. The previous mortgage with XXXX is showing on credit and evidence of paid T&I are in file. That property was refinanced with us and title confirmed the property was free & clear. - Seller-05/01/2025 |
Resolved-Property is verified to be Free & Clear, Verified - Resolved - Due Diligence Vendor-05/02/2025 Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-05/02/2025 |
XXXX | TX | Primary Residence | Purchase | NA | 3934348 | N/A | N/A | ||||
| XXXX | 2022658 | Closed | 2025-04-23 08:16 | 2025-04-29 11:36 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 5 Does Not Meet Guideline Requirements | Resolved-Asset 5 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-04/29/2025 Ready for Review-Document Uploaded. Final CD for Assets - Seller-04/28/2025 Open-Asset 5 Does Not Meet Guideline Requirements Provide proof of documentation for secured borrower funds for $XXXX mention in final 1003 as it is missing from file. - Due Diligence Vendor-04/23/2025 |
Ready for Review-Document Uploaded. Final CD for Assets - Seller-04/28/2025 |
Resolved-Asset 5 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-04/29/2025 |
XXXX | TX | Primary Residence | Purchase | NA | 3934497 | N/A | N/A | ||||
| XXXX | 2022658 | Closed | 2025-04-23 08:19 | 2025-04-29 10:16 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/29/2025 Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/29/2025 Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/28/2025 Open-Fraud Report Shows Uncleared Alerts Provide updated fraud report with all cleared alerts as the one on file shows uncleared alerts. - Due Diligence Vendor-04/23/2025 |
Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/28/2025 |
Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/29/2025 Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/29/2025 |
XXXX | TX | Primary Residence | Purchase | NA | 3934569 | N/A | N/A | ||||
| XXXX | 2022658 | Closed | 2025-04-23 07:31 | 2025-04-29 10:14 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Updated Title Commitment uploaded, Title Coverage Amount of $XXXX is equal to Total Amount of Subject Lien(s), Verified & entered in system - Resolved - Due Diligence Vendor-04/29/2025 Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-04/29/2025 Ready for Review-Document Uploaded. Title Supp for loan amount - Seller-04/28/2025 Open-Title Coverage Amount of $XXXX is Less than Loan Amount Provide title document covering full loan amount of $XXXX as the one on file shows policy amount as $XXXX for proposed insured Kind lending. - Due Diligence Vendor-04/23/2025 |
Ready for Review-Document Uploaded. Title Supp for loan amount - Seller-04/28/2025 |
Resolved-Updated Title Commitment uploaded, Title Coverage Amount of $XXXX is equal to Total Amount of Subject Lien(s), Verified & entered in system - Resolved - Due Diligence Vendor-04/29/2025 Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-04/29/2025 |
XXXX | TX | Primary Residence | Purchase | NA | 3934131 | N/A | N/A | ||||
| XXXX | 2022658 | Closed | 2025-04-23 08:03 | 2025-04-28 10:08 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Loan Collateral Advisor with CU score less than or equal to 2.5 provided, Verified & entered in system - Resolved - Due Diligence Vendor-04/28/2025 Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-04/28/2025 Ready for Review-Document Uploaded. Freddie SSR - Seller-04/25/2025 Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Provide Secondary Valuation or Additional Valuation as it is missing from file. - Due Diligence Vendor-04/23/2025 |
Ready for Review-Document Uploaded. XXXX - Seller-04/25/2025 |
Resolved-Loan Collateral Advisor with CU score less than or equal to 2.5 provided, Verified & entered in system - Resolved - Due Diligence Vendor-04/28/2025 Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-04/28/2025 |
XXXX | TX | Primary Residence | Purchase | NA | 3934377 | N/A | N/A | ||||
| XXXX | 2022673 | Closed | 2025-04-24 11:29 | 2025-04-29 10:38 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/29/2025 Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/29/2025 Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/28/2025 Open-Fraud Report Shows Uncleared Alerts Provide the updated fraud report, Fraud Report Shows Uncleared Alerts. - Due Diligence Vendor-04/24/2025 |
Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/28/2025 |
Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/29/2025 Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/29/2025 |
XXXX | VA | Primary Residence | Purchase | NA | 3948328 | N/A | N/A | ||||
| XXXX | 2022583 | Closed | 2025-04-25 10:36 | 2025-05-05 09:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | The letter of explanation for the borrower's assets/reserves is missing | Resolved-Access letter uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-05/05/2025 Resolved-Validation Resolved' - Due Diligence Vendor-05/05/2025 Ready for Review-Document Uploaded. - Buyer-05/02/2025 Open-The letter of explanation for the borrower's assets/reserves is missing. Please provide LOE or additional assets/reserves. Both Asset 1 and 2 showing Borrower and other name, however there is no LOX or access letter regarding both assets belongs to borrower and other. - Due Diligence Vendor-04/25/2025 |
Resolved-Access letter uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-05/05/2025 Resolved-Validation Resolved' - Due Diligence Vendor-05/05/2025 |
XXXX | TN | Investment | Purchase | NA | 3960494 | N/A | N/A | |||||
| XXXX | 2022672 | Closed | 2025-04-26 14:42 | 2025-05-01 11:40 | Resolved | 1 - Information | C | A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Corrected 1008 received. Issue resolved. - Due Diligence Vendor-05/01/2025 Ready for Review-Document Uploaded. 1008 - Seller-04/30/2025 Open-Qualifying FICO on the 1008 Page is '770' or blank, but the Qualifying FICO from the Credit Liabilities Page is '781' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. • Per guidelines: "DSCR Documentation: Determine a decision credit score for each borrower/guarantor (lower of two or middle of three), use highest decision credit score amongst all borrowers/guarantors to determine loan eligibility." The 1008 shows the lowest of the two borrowers (770); However, the higher FICO (781) should be used, per these guidelines. - Due Diligence Vendor-04/26/2025 |
Ready for Review-Document Uploaded. 1008 - Seller-04/30/2025 |
Resolved-Corrected 1008 received. Issue resolved. - Due Diligence Vendor-05/01/2025 |
XXXX | TX | Investment | Purchase | NA | 3971948 | N/A | N/A | ||||
| XXXX | 2022672 | Closed | 2025-04-25 11:40 | 2025-05-01 11:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Purchase Contract Document provided. - Due Diligence Vendor-05/01/2025 Resolved-Purchase Contract Doc is not Missing, or is Not Applicable. - Due Diligence Vendor-05/01/2025 Ready for Review-Document Uploaded. Purchase Agreement - Seller-04/30/2025 Open-Loan Purpose is Purchase but Purchase Contract Doc is Missing • The complete Purchase Agreement document is missing from the loan file. The only document provided was a one-page Addendum. - Due Diligence Vendor-04/25/2025 |
Ready for Review-Document Uploaded. Purchase Agreement - Seller-04/30/2025 |
Resolved-Purchase Contract Document provided. - Due Diligence Vendor-05/01/2025 Resolved-Purchase Contract Doc is not Missing, or is Not Applicable. - Due Diligence Vendor-05/01/2025 |
XXXX | TX | Investment | Purchase | NA | 3960903 | N/A | N/A | ||||
| XXXX | 2022672 | Closed | 2025-04-25 12:01 | 2025-05-01 11:06 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/01/2025 Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/01/2025 Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/30/2025 Open-Fraud Report Shows Uncleared Alerts • The XXXX Summary document shows a total of 3 Medium alerts, none of which were cleared; and 4 Low alerts, none of which were cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-04/25/2025 |
Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/30/2025 |
Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/01/2025 Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/01/2025 |
XXXX | TX | Investment | Purchase | NA | 3961053 | N/A | N/A | ||||
| XXXX | 2022672 | Closed | 2025-04-25 11:24 | 2025-04-28 18:42 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-The complete Deed of Trust was provided. Issue resolved. - Due Diligence Vendor-04/28/2025 Ready for Review-Document Uploaded. Prepay Rider - Seller-04/28/2025 Open-The Deed of Trust is Missing • The Deed of Trust and the attached Prepayment Fixed Percentage Rider is missing from the file. - Due Diligence Vendor-04/25/2025 |
Ready for Review-Document Uploaded. Prepay Rider - Seller-04/28/2025 |
Resolved-The complete Deed of Trust was provided. Issue resolved. - Due Diligence Vendor-04/28/2025 |
XXXX | TX | Investment | Purchase | NA | 3960795 | N/A | N/A | ||||
| XXXX | 2022664 | Closed | 2025-04-28 08:58 | 2025-05-02 10:21 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-100% replacement cost, Hazard Insurance Coverage Amount is equal to Required Coverage Amount, Verified - Resolved - Due Diligence Vendor-05/02/2025 Ready for Review-Document Uploaded. 100% replacement cost form the agent - Seller-05/01/2025 Open-Hazard Insurance Coverage Amount is XXXX less than Required Coverage Amount XXXX - Due Diligence Vendor-04/28/2025 |
Ready for Review-Document Uploaded. 100% replacement cost form the agent - Seller-05/01/2025 |
Resolved-100% replacement cost, Hazard Insurance Coverage Amount is equal to Required Coverage Amount, Verified - Resolved - Due Diligence Vendor-05/02/2025 |
XXXX | FL | Primary Residence | Purchase | NA | 3976007 | N/A | N/A | ||||
| XXXX | 2022664 | Closed | 2025-04-28 16:29 | 2025-04-30 19:06 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/30/2025 Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/29/2025 Open-Fraud Report Shows Uncleared Alerts - Due Diligence Vendor-04/28/2025 |
Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/29/2025 |
Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/30/2025 |
XXXX | FL | Primary Residence | Purchase | NA | 3981103 | N/A | N/A | ||||
| XXXX | 2022664 | Closed | 2025-04-28 08:35 | 2025-04-29 10:41 | Resolved | 1 - Information | C | A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Loan Collateral Advisor with CU score less than 2.5 provided, Verified & entered in system - Resolved - Due Diligence Vendor-04/29/2025 Ready for Review-Document Uploaded. XXXX - Seller-04/28/2025 Open-For securitization, a second property valuation needs to be provided. File needs a FNMA and/or FHLMC UCDP/SSR report with scores less than 2.5; or the file needs an Appraisal Desk Review. - Due Diligence Vendor-04/28/2025 |
Ready for Review-Document Uploaded. XXXX - Seller-04/28/2025 |
Resolved-Loan Collateral Advisor with CU score less than 2.5 provided, Verified & entered in system - Resolved - Due Diligence Vendor-04/29/2025 |
XXXX | FL | Primary Residence | Purchase | NA | 3975946 | N/A | N/A | ||||
| XXXX | 2031368 | Closed | 2025-04-28 09:49 | 2025-04-30 11:30 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/30/2025 Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/30/2025 Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/29/2025 Open-Fraud Report Shows Uncleared Alerts Provide updated fraud report wth all cleared alerts as the one on file shows uncleared alert. - Due Diligence Vendor-04/28/2025 |
Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/29/2025 |
Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/30/2025 Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/30/2025 |
XXXX | CA | Primary Residence | Purchase | NA | 3976170 | N/A | N/A | ||||
| XXXX | 2031368 | Closed | 2025-04-28 09:29 | 2025-04-30 11:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/30/2025 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/30/2025 Ready for Review-Document Uploaded. Gap Credit - Seller-04/29/2025 Open-Borrower 1 Gap Credit Report is Missing Provide GAP credit report as it is missing from file. - Due Diligence Vendor-04/28/2025 |
Ready for Review-Document Uploaded. Gap Credit - Seller-04/29/2025 |
Resolved-Borrower 1 Gap Credit Report uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/30/2025 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/30/2025 |
XXXX | CA | Primary Residence | Purchase | NA | 3976096 | N/A | N/A | ||||
| XXXX | 2031368 | Closed | 2025-04-28 09:34 | 2025-04-29 10:05 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Collateral Underwriter with CU score less than 2.5 provided, Verified & entered in system - Resolved - Due Diligence Vendor-04/29/2025 Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-04/29/2025 Ready for Review-Document Uploaded. Fannie SSR - Seller-04/28/2025 Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Provide Secondary Valuation or Additional Valuation as it is missing from file. - Due Diligence Vendor-04/28/2025 |
Ready for Review-Document Uploaded. XXXX - Seller-04/28/2025 |
Resolved-Collateral Underwriter with CU score less than 2.5 provided, Verified & entered in system - Resolved - Due Diligence Vendor-04/29/2025 Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-04/29/2025 |
XXXX | CA | Primary Residence | Purchase | NA | 3976109 | N/A | N/A | ||||
| XXXX | 2022666 | Closed | 2025-04-28 16:07 | 2025-05-14 13:33 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-05/14/2025 Resolved-TRID: Missing Final Closing Disclosure - Due Diligence Vendor-04/29/2025 Ready for Review-Document Uploaded. Final CD. It is common for us to prepare the Closing package a day or more in advance. Our CD will always capture the day it was prepared or issued; however, it also indicates the Closing date as XXXX, and the borrowers signed on XXXX. This is our final CD. - Seller-04/28/2025 Open-TRID: Missing Final Closing Disclosure - Due Diligence Vendor-04/28/2025 |
Ready for Review-Document Uploaded. Final CD. It is common for us to prepare the Closing package a day or more in advance. Our CD will always capture the day it was prepared or issued; however, it also indicates the Closing date as XXXX, and the borrowers signed XXXX. This is our final CD. - Seller-04/28/2025 |
Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-05/14/2025 Resolved-TRID: Missing Final Closing Disclosure - Due Diligence Vendor-04/29/2025 |
XXXX | TX | Primary Residence | Purchase | NA | 3980788 | N/A | N/A | ||||
| XXXX | 2022666 | Closed | 2025-04-25 08:57 | 2025-05-14 13:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Validation Resolved' - Due Diligence Vendor-05/14/2025 Resolved-income worksheet provided - Due Diligence Vendor-05/12/2025 Ready for Review-Document Uploaded. Income Worksheet - Seller-05/09/2025 Counter-income worksheet provided is not for this borrower/transaction. please provide correct income worksheet- asset depletion - Due Diligence Vendor-05/07/2025 Ready for Review-Document Uploaded. Updated Income Worksheet with updated 1003/1008 - Seller-05/06/2025 Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Lender asset utilization worksheet on page #562 shows qualifying income as $2,363.83. However per the final 1003 and 1008, asset utilization income was $5,000. Provide lender worksheet validating this $5,000 income. - Due Diligence Vendor-04/25/2025 |
Ready for Review-Document Uploaded. Income Worksheet - Seller-05/09/2025 Ready for Review-Document Uploaded. Updated Income Worksheet with updated 1003/1008 - Seller-05/06/2025 |
Resolved-Validation Resolved' - Due Diligence Vendor-05/14/2025 Resolved-income worksheet provided - Due Diligence Vendor-05/12/2025 |
XXXX | TX | Primary Residence | Purchase | NA | 3960061 | N/A | N/A | ||||
| XXXX | 2022666 | Closed | 2025-04-25 09:21 | 2025-05-14 13:24 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-05/14/2025 Resolved-document provided - Due Diligence Vendor-04/30/2025 Ready for Review-Document Uploaded. VOM on credit report - Seller-04/29/2025 Open-Housing History Does Not Meet Guideline Requirements Provide proof of 12-months housing history as borrower is renting at current address of XXXX for 8 months but no VOR on file. Also, no payment history for prior address of XXXX on file. (The check on page #382 and LOE on page #496 doesn't cover 12 month period). - Due Diligence Vendor-04/25/2025 |
Ready for Review-Document Uploaded. VOM on credit report - Seller-04/29/2025 |
Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-05/14/2025 Resolved-document provided - Due Diligence Vendor-04/30/2025 |
XXXX | TX | Primary Residence | Purchase | NA | 3960128 | N/A | N/A | ||||
| XXXX | 2022666 | Closed | 2025-04-25 09:21 | 2025-05-14 13:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/14/2025 Resolved-Borrower 1 Gap Credit Report uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/30/2025 Ready for Review-Document Uploaded. Gap Credit - Seller-04/29/2025 Open-Borrower 1 Gap Credit Report is Missing Provide B1 GAP credit report as it is missing from file. - Due Diligence Vendor-04/25/2025 |
Ready for Review-Document Uploaded. Gap Credit - Seller-04/29/2025 |
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/14/2025 Resolved-Borrower 1 Gap Credit Report uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/30/2025 |
XXXX | TX | Primary Residence | Purchase | NA | 3960129 | N/A | N/A | ||||
| XXXX | 2022666 | Closed | 2025-04-25 09:21 | 2025-05-14 13:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-05/14/2025 Resolved-Borrower 2 Gap Credit Report uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/30/2025 Ready for Review-Document Uploaded. Gap Credit - Seller-04/29/2025 Open-Borrower 2 Gap Credit Report is Missing Provide B2 GAP credit report as it is missing from file. - Due Diligence Vendor-04/25/2025 |
Ready for Review-Document Uploaded. Gap Credit - Seller-04/29/2025 |
Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-05/14/2025 Resolved-Borrower 2 Gap Credit Report uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/30/2025 |
XXXX | TX | Primary Residence | Purchase | NA | 3960130 | N/A | N/A | ||||
| XXXX | 2022666 | Closed | 2025-04-25 09:55 | 2025-04-30 10:26 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/30/2025 Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/30/2025 Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/29/2025 Open-Fraud Report Shows Uncleared Alerts Provide updated fraud report with all cleared alerts as the on file shows uncleared alerts. - Due Diligence Vendor-04/25/2025 |
Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/29/2025 |
Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/30/2025 Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/30/2025 |
XXXX | TX | Primary Residence | Purchase | NA | 3960266 | N/A | N/A | ||||
| XXXX | 2022666 | Closed | 2025-04-25 09:02 | 2025-04-30 10:05 | Resolved | 1 - Information | C | A | Credit | Credit | Deficient Income Documentation | Resolved-Updated Final 1003 and 1008 with corrected income uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/30/2025 Ready for Review-Document Uploaded. Updated Income on 1003/1008 - Seller-04/29/2025 Open-B2 Social security income per SSA ward letter on page#702 is $XXX. However, per the final 1003 and 1008, it is $XXX. Provide proof of income document validating this $XXX amount. - Due Diligence Vendor-04/25/2025 |
Ready for Review-Document Uploaded. Updated Income on 1003/1008 - Seller-04/29/2025 |
Resolved-Updated Final 1003 and 1008 with corrected income uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/30/2025 |
XXXX | TX | Primary Residence | Purchase | NA | 3960077 | N/A | N/A | ||||
| XXXX | 2022660 | Closed | 2025-04-28 12:30 | 2025-04-30 10:37 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-12 Months of Rent Verification uploaded, Housing History Meets Guideline Requirements, Verified & entered in system - Resolved - Due Diligence Vendor-04/30/2025 Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-04/30/2025 Ready for Review-Document Uploaded. Rental Payments - Seller-04/29/2025 Open-Housing History Does Not Meet Guideline Requirements Borrower rents the primary residence for $XXXX at XXXX but there is no 12 months rent history and there is no VOR available in the file. - Due Diligence Vendor-04/28/2025 |
Ready for Review-Document Uploaded. Rental Payments - Seller-04/29/2025 |
Resolved-12 Months of Rent Verification uploaded, Housing History Meets Guideline Requirements, Verified & entered in system - Resolved - Due Diligence Vendor-04/30/2025 Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-04/30/2025 |
XXXX | GA | Primary Residence | Purchase | NA | 3977307 | N/A | N/A | ||||
| XXXX | 2022660 | Closed | 2025-04-28 06:08 | 2025-04-30 10:36 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 6 Does Not Meet Guideline Requirements | Resolved-Updated Final 1003 with other asset removed uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/30/2025 Resolved-Asset 6 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-04/30/2025 Ready for Review-Document Uploaded. 1003 - Seller-04/29/2025 Open-Asset 6 Does Not Meet Guideline Requirements We have Other Assets/Non Liquid Funds $XXXX as per the Final 1003 but proof of document is missing in file, please provide. - Due Diligence Vendor-04/28/2025 |
Ready for Review-Document Uploaded. 1003 - Seller-04/29/2025 |
Resolved-Updated Final 1003 with other asset removed uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/30/2025 Resolved-Asset 6 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-04/30/2025 |
XXXX | GA | Primary Residence | Purchase | NA | 3975509 | N/A | N/A | ||||
| XXXX | 2022660 | Closed | 2025-04-28 06:17 | 2025-04-30 10:35 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/30/2025 Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/30/2025 Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/29/2025 Open-Fraud Report Shows Uncleared Alerts Provide the updated fraud report, Fraud Report Shows Uncleared Alerts. - Due Diligence Vendor-04/28/2025 |
Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/29/2025 |
Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/30/2025 Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/30/2025 |
XXXX | GA | Primary Residence | Purchase | NA | 3975541 | N/A | N/A | ||||
| XXXX | 2022670 | Closed | 2025-04-25 04:29 | 2025-04-30 10:28 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/30/2025 Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/30/2025 Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/29/2025 Open-Fraud Report Shows Uncleared Alerts Provide updated fraud report with all cleared alerts as the one on file shows uncleared alerts. - Due Diligence Vendor-04/25/2025 |
Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/29/2025 |
Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/30/2025 Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/30/2025 |
XXXX | TX | Investment | Purchase | NA | 3958799 | N/A | N/A | ||||
| XXXX | 2022670 | Closed | 2025-04-25 03:46 | 2025-04-29 09:44 | Resolved | 1 - Information | C | A | Credit | Doc Issue | Prepayment Rider Missing | Resolved-Prepayment Rider uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/29/2025 Ready for Review-Document Uploaded. Prepay Rider - Seller-04/28/2025 Open-Provide prepayment rider as it is missing from file. (Page #11 shows prepayment addendum but not prepayment rider) - Due Diligence Vendor-04/25/2025 |
Ready for Review-Document Uploaded. Prepay Rider - Seller-04/28/2025 |
Resolved-Prepayment Rider uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/29/2025 |
XXXX | TX | Investment | Purchase | NA | 3958705 | N/A | N/A | ||||
| XXXX | 2022668 | Closed | 2025-04-26 18:26 | 2025-04-30 13:06 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-RCE provided. Resolved. - Due Diligence Vendor-04/30/2025 Ready for Review-Document Uploaded. RCE - Seller-04/29/2025 Open-Coverage of $XXXX + 25% Additional Coverage = $XXXX Dwelling Coverage is insufficient coverage for Loan Amount $XXXX. RCE not provided. - Due Diligence Vendor-04/26/2025 |
Ready for Review-Document Uploaded. RCE - Seller-04/29/2025 |
Resolved-RCE provided. Resolved. - Due Diligence Vendor-04/30/2025 |
XXXX | CA | Primary Residence | Purchase | NA | 3972527 | N/A | N/A | ||||
| XXXX | 2022668 | Closed | 2025-04-26 18:17 | 2025-04-30 13:04 | Resolved | 1 - Information | C | A | Credit | Credit | DTI discrepancy or failure. | Resolved-Payment schedule for Student loans provided. DTI confirmed. Resolved. - Due Diligence Vendor-04/30/2025 Ready for Review-Document Uploaded. Evidence supporting student loan payments - Seller-04/29/2025 Open-Student Loan payments reflected on Final 1003 do not meet GL's. Per GL's monthly payments can come from payment on student loan documentation, payment equal to 1% of th outstanding balance or fully amortizing payment using documented repayment terms. No Student loan documentation provided and payments do not equal 1% of outstanding balances shown on credit report. - Due Diligence Vendor-04/26/2025 |
Ready for Review-Document Uploaded. Evidence supporting student loan payments - Seller-04/29/2025 |
Resolved-Payment schedule for Student loans provided. DTI confirmed. Resolved. - Due Diligence Vendor-04/30/2025 |
XXXX | CA | Primary Residence | Purchase | NA | 3972488 | N/A | N/A | ||||
| XXXX | 2022668 | Closed | 2025-04-25 13:57 | 2025-04-30 09:44 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/30/2025 Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/30/2025 Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/29/2025 Open-Fraud Report Shows Uncleared Alerts. - Due Diligence Vendor-04/25/2025 |
Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/29/2025 |
Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/30/2025 Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/30/2025 |
XXXX | CA | Primary Residence | Purchase | NA | 3962290 | N/A | N/A | ||||
| XXXX | 2022667 | Closed | 2025-04-28 15:59 | 2025-05-01 11:46 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Rate Lock/Approval provided. Resolved. - Due Diligence Vendor-05/01/2025 Ready for Review-Document Uploaded. XXXX Lock Confirmation - Seller-04/29/2025 Open-Rate Lock/Approval missing from file. - Due Diligence Vendor-04/28/2025 |
Ready for Review-Document Uploaded. XXXX Lock Confirmation - Seller-04/29/2025 |
Resolved-Rate Lock/Approval provided. Resolved. - Due Diligence Vendor-05/01/2025 |
XXXX | WY | Primary Residence | Refinance | Cash Out - Other | 3980666 | N/A | N/A | ||||
| XXXX | 2022667 | Closed | 2025-04-28 05:15 | 2025-04-30 11:31 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/30/2025 Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/30/2025 Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/29/2025 Open-Fraud Report Shows Uncleared Alerts Fraud report in file shows uncleared alerts. - Due Diligence Vendor-04/28/2025 |
Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/29/2025 |
Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/30/2025 Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/30/2025 |
XXXX | WY | Primary Residence | Refinance | Cash Out - Other | 3975337 | N/A | N/A | ||||
| XXXX | 2036244 | Closed | 2025-04-30 17:40 | 2025-05-09 22:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Letter of Explanation (Income) | Resolved-CPA Letter provided showing borrower has account access. - Due Diligence Vendor-05/09/2025 Ready for Review-Document Uploaded. - Seller-05/07/2025 Open-The borrower owns 36.33 % of the business. The income is 12 months Business Bank Bank Statements. Requesting access letter. - Due Diligence Vendor-04/30/2025 |
Ready for Review-Document Uploaded. - Seller-05/07/2025 |
Resolved-CPA Letter provided showing borrower has account access. - Due Diligence Vendor-05/09/2025 |
XXXX | MD | Second Home | Refinance | Cash Out - Other | 4006955 | N/A | N/A | ||||
| XXXX | 2036244 | Closed | 2025-04-29 08:43 | 2025-05-08 09:55 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-05/08/2025 Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-05/08/2025 Ready for Review-Document Uploaded. - Seller-05/07/2025 Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Secondary Valuation or Additional Valuation is missing per guideline.(CU > 2.5 or no score = ARR or CCA Required, 10% variance allowed ) - Due Diligence Vendor-04/29/2025 |
Ready for Review-Document Uploaded. - Seller-05/07/2025 |
Resolved-Secondary Valuation uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-05/08/2025 Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-05/08/2025 |
XXXX | MD | Second Home | Refinance | Cash Out - Other | 3989152 | N/A | N/A | ||||
| XXXX | 2036244 | Closed | 2025-04-29 09:07 | 2025-05-05 21:04 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-05/05/2025 Ready for Review-Document Uploaded. - Seller-05/01/2025 Open-Missing Third Party Fraud Report provide SAM. Gov, HUD Denial Letter - Due Diligence Vendor-04/29/2025 |
Ready for Review-Document Uploaded. - Seller-05/01/2025 |
Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-05/05/2025 |
XXXX | MD | Second Home | Refinance | Cash Out - Other | 3989249 | N/A | N/A | ||||
| XXXX | 2016423 | Closed | 2025-04-30 11:27 | 2025-05-21 14:07 | Cured | 2 - Non-Material | C | B | Compliance | TRID Tolerance | Fees: Limited | Cured-Received PCCD, check, lox, finding cured - Due Diligence Vendor-05/21/2025 Resolved-Resolved - Due Diligence Vendor-05/21/2025 Ready for Review-Document Uploaded. - Buyer-05/20/2025 Counter-Missing PCCD with LOX - Due Diligence Vendor-05/20/2025 Ready for Review-Document Uploaded. - Buyer-05/19/2025 Counter-Tolerance cure required is $531.8 - Due Diligence Vendor-05/09/2025 Ready for Review-Please advise what the cure amount is - Buyer-05/08/2025 Open-The total amount of the 10% category fees ($707.80) has increased by more than 10% over the current baseline value of ($160.00). The total amount of fees in the 10% category cannot exceed ($176.00). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). Recording fee increased on the PCCD - Due Diligence Vendor-04/30/2025 |
Cured-Received PCCD, check, lox, finding cured - Due Diligence Vendor-05/21/2025 Resolved-Resolved - Due Diligence Vendor-05/21/2025 |
XXXX | CA | Primary Residence | Purchase | NA | 4001317 | N/A | N/A | |||||
| XXXX | 2016423 | Closed | 2025-04-30 21:01 | 2025-05-06 16:41 | Waived | 2 - Non-Material | D | B | Credit | Missing Doc | Missing Letter of Explanation (Income) | Waived-Exception made for missing lox of declining income - Due Diligence Vendor-05/06/2025 Ready for Review-Document Uploaded. Income is under 10% - Seller-05/02/2025 Counter-Per guidelines letter of explanation required regardless of percentage - Due Diligence Vendor-05/01/2025 Ready for Review-income decline < 20 % -no LOE needed - Buyer-05/01/2025 Ready for Review-Document Uploaded. - Seller-04/30/2025 Open-Missing letter of explanation for declining income - Due Diligence Vendor-04/30/2025 |
Ready for Review-Document Uploaded. Income is under 10% - Seller-05/02/2025 Ready for Review-Document Uploaded. - Seller-04/30/2025 |
Waived-Exception made for missing lox of declining income - Due Diligence Vendor-05/06/2025 |
XXXX | Credit Score is 767. Minimum required per guidelines is 700. DSCR is 1.43. Minimum required per guidelines is 1. |
CA | Primary Residence | Purchase | NA | 4009720 | Originator Post-Close | Yes | |||
| XXXX | 2016423 | Closed | 2025-04-30 21:06 | 2025-05-01 17:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Finding resolved, clarification received - Due Diligence Vendor-05/01/2025 Ready for Review-Document Uploaded. The UW used the stated $9,000 on the 1003. See attached income worksheet. - Seller-04/30/2025 Open-Income calculation shows borrower owns 100% of business with 50% expense factor. CPA states borrower owns 30% of shares with XXXX employees being listed on the business narrative coming out to an expense factor of 75% required - Due Diligence Vendor-04/30/2025 |
Ready for Review-Document Uploaded. The UW used the stated $9,000 on the 1003. See attached income worksheet. - Seller-04/30/2025 |
Resolved-Finding resolved, clarification received - Due Diligence Vendor-05/01/2025 |
XXXX | CA | Primary Residence | Purchase | NA | 4009745 | N/A | N/A | ||||
| XXXX | 2016443 | Closed | 2025-05-05 18:20 | 2025-05-08 16:01 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Resolved - Due Diligence Vendor-05/08/2025 Ready for Review-Document Uploaded. - Seller-05/07/2025 Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Missing change of circumstance for increased discount points - Due Diligence Vendor-05/05/2025 |
Ready for Review-Document Uploaded. - Seller-05/07/2025 |
Resolved-Resolved - Due Diligence Vendor-05/08/2025 |
XXXX | OH | Primary Residence | Refinance | Cash Out - Other | 4046660 | N/A | N/A | ||||
| XXXX | 2016443 | Closed | 2025-04-30 15:19 | 2025-05-07 16:32 | Waived | 2 - Non-Material | D | B | Credit | Missing Doc | Missing Letter of Explanation (Income) | Waived-Exception made for no LOE for decline income < 10% - Due Diligence Vendor-05/07/2025 Ready for Review-Document Uploaded. - Seller-05/06/2025 Counter-Uploaded document does not provide clarification on the declining income, please provide letter of explanation for declining income. - Due Diligence Vendor-05/05/2025 Ready for Review-Document Uploaded. - Seller-05/02/2025 Counter-Guidelines require a letter of explanation for declining income - Due Diligence Vendor-05/01/2025 Ready for Review-Document Uploaded. - Seller-04/30/2025 Open-Missing letter of explanation for declining income - Due Diligence Vendor-04/30/2025 |
Ready for Review-Document Uploaded. - Seller-05/06/2025 Ready for Review-Document Uploaded. - Seller-05/02/2025 Ready for Review-Document Uploaded. - Seller-04/30/2025 |
Waived-Exception made for no LOE for decline income < 10% - Due Diligence Vendor-05/07/2025 |
XXXX | Residual Income is XXX. Minimum Residual Income required per guidelines is $3500. LTV is 40.9%. Maximum allowed per guidelines is 80%. S/E in same business for 30+ yrs for 2nd borrower |
OH | Primary Residence | Refinance | Cash Out - Other | 4004353 | Originator Post-Close | Yes | |||
| XXXX | 2016443 | Closed | 2025-04-29 15:32 | 2025-05-05 18:21 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received initial closing disclosure, finding resolved - Due Diligence Vendor-05/05/2025 Ready for Review-Document Uploaded. - Buyer-05/02/2025 Counter-Received title closing disclosure, missing initial closing disclosure - Due Diligence Vendor-05/01/2025 Ready for Review-Document Uploaded. - Buyer-04/30/2025 Open-TRID: Missing Closing Disclosure Missing initial closing disclosure with change of circumstance for increased fees - Due Diligence Vendor-04/29/2025 |
Resolved-Received initial closing disclosure, finding resolved - Due Diligence Vendor-05/05/2025 |
XXXX | OH | Primary Residence | Refinance | Cash Out - Other | 3993126 | N/A | N/A | |||||
| XXXX | 2016443 | Closed | 2025-04-29 15:46 | 2025-05-05 17:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing letter of explanation | Resolved-Received LOX, finding resolved - Due Diligence Vendor-05/05/2025 Ready for Review-Document Uploaded. - Seller-05/02/2025 Counter-Missing signature/date from borrower explaining purpose of cash out - Due Diligence Vendor-05/01/2025 Resolved-Purpose of Refinance LOX provided. - Due Diligence Vendor-05/01/2025 Ready for Review-Document Uploaded. - Buyer-04/30/2025 Open-Purpose of Refinance LOX is missing in file. - Due Diligence Vendor-04/29/2025 |
Ready for Review-Document Uploaded. - Seller-05/02/2025 |
Resolved-Received LOX, finding resolved - Due Diligence Vendor-05/05/2025 Resolved-Purpose of Refinance LOX provided. - Due Diligence Vendor-05/01/2025 |
XXXX | OH | Primary Residence | Refinance | Cash Out - Other | 3993308 | N/A | N/A | ||||
| XXXX | 2016443 | Closed | 2025-04-29 15:27 | 2025-05-01 16:38 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-05/01/2025 Ready for Review-Document Uploaded. - Buyer-04/30/2025 Open-Evidence of Rate Lock Missing Provided LE date XXXX is not locked and we do not have revised LE with rate lock, hence provide rate lock or revised LE with rate lock. - Due Diligence Vendor-04/29/2025 |
Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-05/01/2025 |
XXXX | OH | Primary Residence | Refinance | Cash Out - Other | 3993037 | N/A | N/A | |||||
| XXXX | 2016443 | Closed | 2025-04-29 15:31 | 2025-05-01 16:38 | Resolved | 1 - Information | C | A | Compliance | Compliance | Right to cancel process contains multiple deficiencies | Resolved-RTC received, finding resolved - Due Diligence Vendor-05/01/2025 Ready for Review-Document Uploaded. - Buyer-04/30/2025 Open-Right to Cancel Transaction Date and Cancel date is missing in provided Right to cancel document. - Due Diligence Vendor-04/29/2025 |
Resolved-RTC received, finding resolved - Due Diligence Vendor-05/01/2025 |
XXXX | OH | Primary Residence | Refinance | Cash Out - Other | 3993116 | N/A | N/A | |||||
| XXXX | 2016443 | Closed | 2025-04-29 15:48 | 2025-05-01 09:28 | Resolved | 1 - Information | C | A | Credit | Income/Employment | VOE performed more than 10 days prior to closing | Resolved-Verification of business existence within 10 calendar days of closing for both borrowers provided. - Due Diligence Vendor-05/01/2025 Ready for Review-Document Uploaded. - Seller-04/30/2025 Open-Verification of business existence required within 10 calendar days of closing for both borrowers - Due Diligence Vendor-04/29/2025 |
Ready for Review-Document Uploaded. - Seller-04/30/2025 |
Resolved-Verification of business existence within 10 calendar days of closing for both borrowers provided. - Due Diligence Vendor-05/01/2025 |
XXXX | OH | Primary Residence | Refinance | Cash Out - Other | 3993351 | N/A | N/A | ||||
| XXXX | 2016443 | Closed | 2025-04-29 14:16 | 2025-05-01 09:14 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-05/01/2025 Ready for Review-Document Uploaded. - Buyer-04/30/2025 Open-Title Coverage Amount of $XXXX is Less than Loan Amount - Due Diligence Vendor-04/29/2025 |
Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-05/01/2025 |
XXXX | OH | Primary Residence | Refinance | Cash Out - Other | 3991785 | N/A | N/A | |||||
| XXXX | 2016443 | Closed | 2025-04-29 14:40 | 2025-05-01 09:07 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report provided. - Due Diligence Vendor-05/01/2025 Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-05/01/2025 Ready for Review-Document Uploaded. - Buyer-04/30/2025 Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-04/29/2025 |
Resolved-Borrower 2 Gap Credit Report provided. - Due Diligence Vendor-05/01/2025 Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-05/01/2025 |
XXXX | OH | Primary Residence | Refinance | Cash Out - Other | 3992091 | N/A | N/A | |||||
| XXXX | 2016443 | Closed | 2025-04-29 14:40 | 2025-05-01 09:07 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report provided. - Due Diligence Vendor-05/01/2025 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/01/2025 Ready for Review-Document Uploaded. - Seller-04/30/2025 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-04/29/2025 |
Ready for Review-Document Uploaded. - Seller-04/30/2025 |
Resolved-Borrower 1 Gap Credit Report provided. - Due Diligence Vendor-05/01/2025 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/01/2025 |
XXXX | OH | Primary Residence | Refinance | Cash Out - Other | 3992090 | N/A | N/A | ||||
| XXXX | 2022657 | Closed | 2025-04-29 07:40 | 2025-05-02 09:48 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-05/02/2025 Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/02/2025 Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/01/2025 Open-Fraud Report Shows Uncleared Alerts Provide updated fraud report with all cleared alerts as the one on file shows uncleared alerts. - Due Diligence Vendor-04/29/2025 |
Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/01/2025 |
Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-05/02/2025 Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/02/2025 |
XXXX | CA | Primary Residence | Purchase | NA | 3988935 | N/A | N/A | ||||
| XXXX | 2022662 | Closed | 2025-05-08 12:00 | 2025-05-09 14:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-05/09/2025 Ready for Review-Document Uploaded. 1008 - Seller-05/08/2025 Open-The 1008 document is missing from the loan file. Updated 1003 provided in Income condition, reflects B1 income as $11,696.54 which does not match B1 income on 1008 which reflects $28,393.07. Updated income and DTI on 1008 requested. - Due Diligence Vendor-05/08/2025 |
Ready for Review-Document Uploaded. 1008 - Seller-05/08/2025 |
Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-05/09/2025 |
XXXX | CA | Investment | Purchase | NA | 4079440 | N/A | N/A | ||||
| XXXX | 2022662 | Closed | 2025-05-02 02:58 | 2025-05-09 10:45 | Resolved | 1 - Information | C | A | Property | Appraisal | Property/Appraisal General | Resolved-Updated Appraisal provided. Resolved - Due Diligence Vendor-05/09/2025 Ready for Review-Document Uploaded. Appraisal - Seller-05/08/2025 Open-As per appraisal Subject property city name is "XXXX" but 1004D, Note, DOT, CD, title Reflects as "XXXX". As per USPS Zip code search "XXXX" city not associated with zip code of XXXX. - Due Diligence Vendor-05/02/2025 |
Ready for Review-Document Uploaded. Appraisal - Seller-05/08/2025 |
Resolved-Updated Appraisal provided. Resolved - Due Diligence Vendor-05/09/2025 |
XXXX | CA | Investment | Purchase | NA | 4023075 | N/A | N/A | ||||
| XXXX | 2022662 | Closed | 2025-05-05 03:30 | 2025-05-08 12:03 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income/Employment General | Resolved-Updated 1003 provided reflecting 50/50 split on joint business. Resolved. - Due Diligence Vendor-05/08/2025 Ready for Review-Document Uploaded. Updated 1003 - Seller-05/07/2025 Open-As per CPA letter page 206, XXXX and XXXX has each owning 50%, But given 1003 income for XXXX is $XXXX & XXXX, reflects as $XXXX. LOX required for uneven income reflected on 1003. - Due Diligence Vendor-05/05/2025 |
Ready for Review-Document Uploaded. Updated 1003 - Seller-05/07/2025 |
Resolved-Updated 1003 provided reflecting 50/50 split on joint business. Resolved. - Due Diligence Vendor-05/08/2025 |
XXXX | CA | Investment | Purchase | NA | 4039251 | N/A | N/A | ||||
| XXXX | 2022662 | Closed | 2025-05-01 12:26 | 2025-05-08 10:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-05/08/2025 Resolved-Validation Resolved' - Due Diligence Vendor-05/08/2025 Ready for Review-Document Uploaded. Income Worksheet - Seller-05/07/2025 Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Portions of the income worksheets for XXXX and The Property Search Site are illegible. - Due Diligence Vendor-05/01/2025 |
Ready for Review-Document Uploaded. Income Worksheet - Seller-05/07/2025 |
Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-05/08/2025 Resolved-Validation Resolved' - Due Diligence Vendor-05/08/2025 |
XXXX | CA | Investment | Purchase | NA | 4013381 | N/A | N/A | ||||
| XXXX | 2022662 | Closed | 2025-05-01 10:40 | 2025-05-07 11:02 | Resolved | 1 - Information | C | A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Updated 1008 Document uploaded, Qualifying FICO on the 1008 matches the Qualifying FICO from the Credit Liabilities, Verified - Resolved - Due Diligence Vendor-05/07/2025 Resolved-Validation Resolved - Due Diligence Vendor-05/07/2025 Ready for Review-Document Uploaded. Updated 1008 - Seller-05/06/2025 Open-Qualifying FICO on the 1008 Page is '725' or blank, but the Qualifying FICO from the Credit Liabilities Page is '746' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Per GL 3.1.10- The Borrower with the higher monthly income is considered the primary borrower and their credit score can be used as the Decision Credit Score but 1008 reflects lower mid score. - Due Diligence Vendor-05/01/2025 |
Ready for Review-Document Uploaded. Updated 1008 - Seller-05/06/2025 |
Resolved-Updated 1008 Document uploaded, Qualifying FICO on the 1008 matches the Qualifying FICO from the Credit Liabilities, Verified - Resolved - Due Diligence Vendor-05/07/2025 Resolved-Validation Resolved - Due Diligence Vendor-05/07/2025 |
XXXX | CA | Investment | Purchase | NA | 4012821 | N/A | N/A | ||||
| XXXX | 2033686 | Closed | 2025-05-15 20:22 | 2025-05-28 15:36 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Received exception for DTI exceeding guidelines. - Due Diligence Vendor-05/28/2025 Ready for Review-Document Uploaded. Exception Approval - Seller-05/27/2025 Open-DTI of 46.19 exceeds max of 43% back end DTI. - Due Diligence Vendor-05/15/2025 Open-Audited DTI Exceeds Guideline DTI - Due Diligence Vendor-05/15/2025 |
Ready for Review-Document Uploaded. Exception Approval - Seller-05/27/2025 |
Waived-Received exception for DTI exceeding guidelines. - Due Diligence Vendor-05/28/2025 |
XXXX | 1. Borrower has an LTV at 66.52% and max can be 80% 2. Borrower has a credit score of 785 and all that is required is a score of 720 3. Borrower has residual income of XXX and all that is needed is 3,000 |
GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4156405 | Originator Pre-Close | Yes | |||
| XXXX | 2033686 | Closed | 2025-05-01 08:03 | 2025-05-15 09:16 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Borrower 2 Paystubs Less Than 1 Month Provided | Resolved-Borrower 2 Paystubs for 1 Month uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-05/15/2025 Resolved-Borrower 2 Paystubs Less Than 1 Month Provided Condition Resolved or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-05/15/2025 Ready for Review-Document Uploaded. Paystubs - Seller-05/14/2025 Open-Borrower 2 Paystubs Less Than 1 Month Provided Provide 2 months Paystub as the provided one on page 723 is less than month - Due Diligence Vendor-05/01/2025 |
Ready for Review-Document Uploaded. Paystubs - Seller-05/14/2025 |
Resolved-Borrower 2 Paystubs for 1 Month uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-05/15/2025 Resolved-Borrower 2 Paystubs Less Than 1 Month Provided Condition Resolved or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-05/15/2025 |
XXXX | GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4011689 | N/A | N/A | ||||
| XXXX | 2033686 | Closed | 2025-05-01 07:41 | 2025-05-15 09:15 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Short Form Residential Loan Policy uploaded, Title Coverage Amount of $XXXX is equal to Total Amount of Subject Lien(s), Verified & entered in system - Resolved - Due Diligence Vendor-05/15/2025 Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-05/15/2025 Ready for Review-Document Uploaded. Final Title Policy - Seller-05/14/2025 Open-Title Coverage Amount of $XXXX is Less than Loan Amount Provide updated title as the loan amount is less than actual loan amount in title page 971 - Due Diligence Vendor-05/01/2025 |
Ready for Review-Document Uploaded. Final Title Policy - Seller-05/14/2025 |
Resolved-Short Form Residential Loan Policy uploaded, Title Coverage Amount of $XXXX is equal to Total Amount of Subject Lien(s), Verified & entered in system - Resolved - Due Diligence Vendor-05/15/2025 Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-05/15/2025 |
XXXX | GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4011606 | N/A | N/A | ||||
| XXXX | 2033686 | Closed | 2025-05-01 07:54 | 2025-05-13 12:50 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income/Employment General | Resolved-Updated 1008, `003, and the employment page. - Due Diligence Vendor-05/13/2025 Ready for Review-Document Uploaded. Income Worksheet - Seller-05/12/2025 Counter-Worksheet came over not in clear format - Due Diligence Vendor-05/07/2025 Ready for Review-Document Uploaded. Updated Income Worksheet with updated 1003/1008 - Seller-05/06/2025 Open-As per CPA letter page 389,390 and Business narrative page 671 B1 ownership is 33.33% whereas as per income sheet page 402 percentage of ownership showing 100% and income is qualifying using 100%. - Due Diligence Vendor-05/01/2025 |
Ready for Review-Document Uploaded. Income Worksheet - Seller-05/12/2025 Ready for Review-Document Uploaded. Updated Income Worksheet with updated 1003/1008 - Seller-05/06/2025 |
Resolved-Updated 1008, `003, and the employment page. - Due Diligence Vendor-05/13/2025 |
XXXX | GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4011654 | N/A | N/A | ||||
| XXXX | 2033686 | Closed | 2025-05-01 08:49 | 2025-05-05 10:19 | Resolved | 1 - Information | C | A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Loan Collateral Advisor with CU score less than 2.5 provided, Verified & entered in system - Resolved - Due Diligence Vendor-05/05/2025 Ready for Review-Document Uploaded. Freddie SSR - Seller-05/02/2025 Open-For securitization, a second property valuation needs to be provided. File needs a FNMA and/or FHLMC UCDP/SSR report with scores less than 2.5; or the file needs an Appraisal Desk Review. - Due Diligence Vendor-05/01/2025 |
Ready for Review-Document Uploaded. Freddie SSR - Seller-05/02/2025 |
Resolved-Loan Collateral Advisor with CU score less than 2.5 provided, Verified & entered in system - Resolved - Due Diligence Vendor-05/05/2025 |
XXXX | GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4012333 | N/A | N/A | ||||
| XXXX | 2022656 | Closed | 2025-05-02 08:28 | 2025-05-08 15:39 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-05/08/2025 Resolved-provided updated 1003 with years in industry - Due Diligence Vendor-05/07/2025 Ready for Review-Document Uploaded. 1003 - Seller-05/06/2025 Open-The Final 1003 is Incomplete Years of industry is blank on Final 1003 page. Provide a corrected 1003 with years in industry info. - Due Diligence Vendor-05/02/2025 |
Ready for Review-Document Uploaded. 1003 - Seller-05/06/2025 |
Resolved-The Final 1003 is Present - Due Diligence Vendor-05/08/2025 Resolved-provided updated 1003 with years in industry - Due Diligence Vendor-05/07/2025 |
XXXX | NJ | Primary Residence | Purchase | NA | 4024270 | N/A | N/A | ||||
| XXXX | 2022656 | Closed | 2025-05-02 18:52 | 2025-05-08 14:52 | Resolved | 1 - Information | C | A | Compliance | Mavent | NJ Fee Not Allowed- Document Preparation Fee (Fee ID: 104) | Resolved- - Due Diligence Vendor-05/08/2025 Open-added - Due Diligence Vendor-05/07/2025 Resolved-resolved - Due Diligence Vendor-05/06/2025 Ready for Review-Document Uploaded. Compliance Response: I do not see where we are charging a Document Preparation Fee on either the Final CD or PCCD. I do see that the title company is charging Deed Preparation, but that is the title company and not the Lender. Attached is the Final CD and the PCCD. - Seller-05/05/2025 Open-Section 3:1-16.2 of the New Jersey Mortgage Loans, Fees, Obligations Provisions (N.J.A.C. 3:1-16.2) does not allow Document Preparation Fee (Fee ID: 104) to be charged to the Borrower in NJ. - Due Diligence Vendor-05/02/2025 |
Ready for Review-Document Uploaded. Compliance Response: I do not see where we are charging a Document Preparation Fee on either the Final CD or PCCD. I do see that the title company is charging Deed Preparation, but that is the title company and not the Lender. Attached is the Final CD and the PCCD. - Seller-05/05/2025 |
Resolved- - Due Diligence Vendor-05/08/2025 Resolved-resolved - Due Diligence Vendor-05/06/2025 |
XXXX | NJ | Primary Residence | Purchase | NA | 4031380 | N/A | N/A | ||||
| XXXX | 2022656 | Closed | 2025-05-02 09:47 | 2025-05-07 10:30 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-05/07/2025 Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/07/2025 Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/06/2025 Open-Fraud Report Shows Uncleared Alerts Provide the updated fraud report, Fraud Report Shows Uncleared Alerts. - Due Diligence Vendor-05/02/2025 |
Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/06/2025 |
Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-05/07/2025 Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/07/2025 |
XXXX | NJ | Primary Residence | Purchase | NA | 4024874 | N/A | N/A | ||||
| XXXX | 2022656 | Closed | 2025-05-05 19:05 | 2025-05-06 14:09 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-05/06/2025 Resolved-resolved - Due Diligence Vendor-05/06/2025 Ready for Review-Document Uploaded. Final CD - Seller-05/05/2025 Open-TRID: Missing Final Closing Disclosure - Due Diligence Vendor-05/05/2025 |
Ready for Review-Document Uploaded. Final CD - Seller-05/05/2025 |
Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-05/06/2025 Resolved-resolved - Due Diligence Vendor-05/06/2025 |
XXXX | NJ | Primary Residence | Purchase | NA | 4047567 | N/A | N/A | ||||
| XXXX | 2022656 | Closed | 2025-05-02 10:51 | 2025-05-08 14:59 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved- - Due Diligence Vendor-05/08/2025 Resolved- - Due Diligence Vendor-05/08/2025 Resolved-The loan's (9.123%) APR equals or exceeds the Federal HPML threshold of (8.15%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.65%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#365, and the Final Closing disclosure on Pg#201, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’ 408-410,397. An interior and exterior appraisal was completed for this property – see pg# 32, the appraisal disclosure was provided to the borrower(s)- see Pg#’67,66, and confirmation the appraisal was delivered to the borrower – see Pg#’278. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/08/2025 Resolved-The loan's (9.123%) APR equals or exceeds the Federal HPML threshold of (8.15%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.65%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#365, and the Final Closing disclosure on Pg#201, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’ 408-410,397. An interior and exterior appraisal was completed for this property – see pg# 32, the appraisal disclosure was provided to the borrower(s)- see Pg#’67,66, and confirmation the appraisal was delivered to the borrower – see Pg#’67,66. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/02/2025 |
Resolved- - Due Diligence Vendor-05/08/2025 Resolved- - Due Diligence Vendor-05/08/2025 Resolved-The loan's (9.123%) APR equals or exceeds the Federal HPML threshold of (8.15%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.65%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#365, and the Final Closing disclosure on Pg#201, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’ 408-410,397. An interior and exterior appraisal was completed for this property – see pg# 32, the appraisal disclosure was provided to the borrower(s)- see Pg#’67,66, and confirmation the appraisal was delivered to the borrower – see Pg#’278. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/08/2025 Resolved-The loan's (9.123%) APR equals or exceeds the Federal HPML threshold of (8.15%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.65%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#365, and the Final Closing disclosure on Pg#201, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’ 408-410,397. An interior and exterior appraisal was completed for this property – see pg# 32, the appraisal disclosure was provided to the borrower(s)- see Pg#’67,66, and confirmation the appraisal was delivered to the borrower – see Pg#’67,66. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/02/2025 |
NJ | Primary Residence | Purchase | NA | 4025165 | N/A | N/A | ||||||
| XXXX | 2022659 | Closed | 2025-05-02 10:12 | 2025-05-07 10:54 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-05/07/2025 Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/07/2025 Ready for Review-Document Uploaded. `Cleared Alerts - Seller-05/06/2025 Open-Fraud Report Shows Uncleared Alerts Provide updated Fraud report. Fraud report shows uncleared alerts - Due Diligence Vendor-05/02/2025 |
Ready for Review-Document Uploaded. `Cleared Alerts - Seller-05/06/2025 |
Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-05/07/2025 Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/07/2025 |
XXXX | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 4024997 | N/A | N/A | ||||
| XXXX | 2022659 | Closed | 2025-05-05 13:52 | 2025-05-06 14:55 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Received final Hud - Due Diligence Vendor-05/06/2025 Ready for Review-Final HUD signed by all parties - Seller-05/05/2025 Open-Final HUD-1 Document is Missing. Need the final Hud stamped and certfied one in file shows borrower getting XXXX at closing - Due Diligence Vendor-05/05/2025 |
Ready for Review-Final HUD signed by all parties - Seller-05/05/2025 |
Resolved-Received final Hud - Due Diligence Vendor-05/06/2025 |
XXXX | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 4041831 | N/A | N/A | ||||
| XXXX | 2022749 | Closed | 2025-05-07 02:01 | 2025-05-16 14:53 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/16/2025 Open-. - Due Diligence Vendor-05/09/2025 Resolved-The loan's (8.323%) APR equals or exceeds the Federal HPML threshold of (8.12%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.62%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 264 and the Final Closing disclosure on Pg#’s 144, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s 137. An interior and exterior appraisal was completed for this property – see pg# 26, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 331, and confirmation the appraisal was delivered to the borrower – see Pg#’s 23. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/09/2025 |
Resolved-The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/16/2025 Resolved-The loan's (8.323%) APR equals or exceeds the Federal HPML threshold of (8.12%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.62%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 264 and the Final Closing disclosure on Pg#’s 144, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s 137. An interior and exterior appraisal was completed for this property – see pg# 26, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 331, and confirmation the appraisal was delivered to the borrower – see Pg#’s 23. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/09/2025 |
FL | Primary Residence | Refinance | Cash Out - Other | 4064752 | N/A | N/A | ||||||
| XXXX | 2022669 | Closed | 2025-05-07 06:24 | 2025-05-12 10:27 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-05/12/2025 Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/09/2025 Open-Fraud Report Shows Uncleared Alerts Provide fraud report with all cleared alerts as the one on file shows uncleared alerts. - Due Diligence Vendor-05/07/2025 |
Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/09/2025 |
Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-05/12/2025 |
XXXX | CA | Investment | Refinance | Cash Out - Other | 4065473 | N/A | N/A | ||||
| XXXX | 2022654 | Closed | 2025-05-06 12:32 | 2025-05-14 14:31 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-05/14/2025 Ready for Review-Document Uploaded. Final HUD1 signed by all parties - Seller-05/12/2025 Open-Final HUD-1 Document is Missing. Provide true and certified HUD as the one on file is missing borrower & settlement agent sign. - Due Diligence Vendor-05/06/2025 |
Ready for Review-Document Uploaded. Final HUD1 signed by all parties - Seller-05/12/2025 |
Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-05/14/2025 |
XXXX | MS | Investment | Purchase | NA | 4054076 | N/A | N/A | ||||
| XXXX | 2022654 | Closed | 2025-05-06 12:13 | 2025-05-13 10:32 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-XXXX Provided. - Due Diligence Vendor-05/13/2025 Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-05/13/2025 Ready for Review-Document Uploaded. XXXX - Seller-05/12/2025 Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Provide Secondary Valuation or Additional Valuation as it is missing from file. - Due Diligence Vendor-05/06/2025 |
Ready for Review-Document Uploaded. XXXX - Seller-05/12/2025 |
Resolved-XXXX Provided. - Due Diligence Vendor-05/13/2025 Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-05/13/2025 |
XXXX | MS | Investment | Purchase | NA | 4053891 | N/A | N/A | ||||
| XXXX | 2016446 | Closed | 2025-05-08 16:50 | 2025-05-20 15:13 | Waived | 2 - Non-Material | C | B | Compliance | Broker:LimitFees | Tennessee - Max Broker Fees (RLBSA) | Waived-Per Counsel, appropriate to waive as a B - Due Diligence Vendor-05/20/2025 Ready for Review-Document Uploaded. Please see attached compliance report- XXXX should not need to provide regulation showing exemption. Selene knows we are DIDMCA exempt per our HUD approval. - Seller-05/19/2025 Counter-Please provide complete test for our reviews. - Due Diligence Vendor-05/15/2025 Ready for Review-Document Uploaded. - Seller-05/14/2025 Counter-Missing regulation that shows exemption - Due Diligence Vendor-05/14/2025 Ready for Review-we are DIDMCA exempt on first liens due to our HUD approval so this should not apply. - Seller-05/13/2025 Open-The total of all fees paid by the borrower to the broker ($XXXX) exceeds 2% of the loan amount ($XXXX). The Tennessee Residential Lending, Brokerage, and Servicing Act limits the brokerage commission to 2% of the loan amount. Brokerage commissions include all fees paid to parties for services performed in the origination and placement of mortgage loans with third party lenders, whether the loans are closed directly in the name of the lender or in the name of another party with the intention to sell and transfer the loan; provided such sale or transfer is completed within one year from closing. (Tenn. Code Ann. 47-14-113(c); TN ADC 0180-17-.07(2)) - Due Diligence Vendor-05/08/2025 |
Ready for Review-Document Uploaded. Please see attached compliance report- XXXX should not need to provide regulation showing exemption. Selene knows we are DIDMCA exempt per our HUD approval. - Seller-05/19/2025 Ready for Review-Document Uploaded. - Seller-05/14/2025 Ready for Review-we are DIDMCA exempt on first liens due to our HUD approval so this should not apply. - Seller-05/13/2025 |
Waived-Per Counsel, appropriate to waive as a B - Due Diligence Vendor-05/20/2025 |
XXXX | TN | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4083430 | Originator Post-Close | No | ||||
| XXXX | 2016446 | Closed | 2025-05-09 13:37 | 2025-05-20 14:53 | Resolved | 1 - Information | C | A | Credit | Credit | Deficient Income Documentation | Resolved-Received LOX and clarification, finding resolved - Due Diligence Vendor-05/20/2025 Ready for Review-Document Uploaded. - Seller-05/19/2025 Open-1. Expense factor listed at 15%, business narrative is stating there are 2 full time employees/contractors, CPA does not state expense factor of 15%, per guidelines incorrect expense factor listed. 2. Most recent 6 months show a decline in income, income calculation used 24 month average - Due Diligence Vendor-05/09/2025 |
Ready for Review-Document Uploaded. - Seller-05/19/2025 |
Resolved-Received LOX and clarification, finding resolved - Due Diligence Vendor-05/20/2025 |
XXXX | TN | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4092990 | N/A | N/A | ||||
| XXXX | 2016446 | Closed | 2025-05-07 16:34 | 2025-05-20 14:51 | Cured | 2 - Non-Material | C | B | Compliance | TRID Tolerance | Fees: Limited | Cured-Received PCCD, check, lox finding cured - Due Diligence Vendor-05/20/2025 Ready for Review-Document Uploaded. - Buyer-05/19/2025 Open-The total amount of the 10% category fees on the last Closing Disclosure ($222.00) has increased by more than 10% over the current baseline value of ($189.00). The total amount of fees in the 10% category cannot exceed ($207.90). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). Recording fee increased more than 10% in Final CD however there is no COC for same. - Due Diligence Vendor-05/07/2025 |
Cured-Received PCCD, check, lox finding cured - Due Diligence Vendor-05/20/2025 |
XXXX | TN | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4070887 | N/A | N/A | |||||
| XXXX | 2016446 | Closed | 2025-05-08 16:39 | 2025-05-14 20:40 | Resolved | 1 - Information | C | A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Finding resolved, clarification received - Due Diligence Vendor-05/14/2025 Ready for Review-No exception needed- its case by case XXXX allows in a rural area. - Seller-05/13/2025 Open-Loan does not conform to program guidelines Matrix stating rural properties are case by case basis. - Due Diligence Vendor-05/08/2025 |
Ready for Review-No exception needed- its case by case XXXX allows in a rural area. - Seller-05/13/2025 |
Resolved-Finding resolved, clarification received - Due Diligence Vendor-05/14/2025 |
TN | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4083333 | N/A | N/A | |||||
| XXXX | 2016446 | Closed | 2025-05-09 13:38 | 2025-05-14 20:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Letter of Explanation (Income) | Resolved-LOX received, finding resolved - Due Diligence Vendor-05/14/2025 Ready for Review-Document Uploaded. - Buyer-05/13/2025 Open-Missing letter of explanation for declining income - Due Diligence Vendor-05/09/2025 |
Resolved-LOX received, finding resolved - Due Diligence Vendor-05/14/2025 |
XXXX | TN | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4093001 | N/A | N/A | |||||
| XXXX | 2033687 | Closed | 2025-05-11 14:58 | 2025-05-15 09:24 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-05/15/2025 Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/15/2025 Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/14/2025 Open-Fraud Report Shows Uncleared Alerts Provide the updated fraud report, Fraud Report Shows Uncleared Alerts. - Due Diligence Vendor-05/11/2025 |
Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/14/2025 |
Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-05/15/2025 Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/15/2025 |
XXXX | TX | Investment | Purchase | NA | 4108041 | N/A | N/A | ||||
| XXXX | 2031306 | Closed | 2025-05-14 22:48 | 2025-05-27 15:35 | Waived | 2 - Non-Material | D | B | Credit | Missing Doc | Missing Income - Bank Statements | Waived- 2 most recent bank statements showing consecutive rental payments for month to month lease requirement. Investor approval - Due Diligence Vendor-05/27/2025 Ready for Review-Document Uploaded. - Buyer-05/26/2025 Counter-Investor approval required. Number of property units exceeds eligibility for RMBS securitization. - Due Diligence Vendor-05/20/2025 Ready for Review-Document Uploaded. - Seller-05/19/2025 Open-Please provide the 2 most recent bank statements showing consecutive rental payments for month to month lease requirement. - Due Diligence Vendor-05/14/2025 |
Ready for Review-Document Uploaded. - Seller-05/19/2025 |
Waived- 2 most recent bank statements showing consecutive rental payments for month to month lease requirement. Investor approval - Due Diligence Vendor-05/27/2025 |
XXXX | DSCR is 1.08. Minimum required per guidelines is 1. Credit Score is 818. Minimum required per guidelines is 700. No credit lates confirmed (0 x 30 for 60+ months) LTV is 57.32%. Maximum allowed per guidelines is 65%. 3 years ownership in property. Minimum experience is 1 year of ownership in the past 3 years |
CA | Investment | Refinance | Cash Out - Other | 4145053 | Originator Post-Close | Yes | |||
| XXXX | 2031306 | Closed | 2025-05-14 22:58 | 2025-05-27 15:34 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Loan does not conform to program guidelines XXX of the XXX units are less than XXX sq ft, Actual size XXX. Investor approval - Due Diligence Vendor-05/27/2025 Ready for Review-Document Uploaded. - Seller-05/26/2025 Counter-Investor approval required. Number of property units exceeds eligibility for RMBS securitization. - Due Diligence Vendor-05/20/2025 Ready for Review-Document Uploaded. - Buyer-05/19/2025 Open-Loan does not conform to program guidelines XXX of the XXX units are less than XXX sq ft, Actual size XXX - Due Diligence Vendor-05/14/2025 |
Ready for Review-Document Uploaded. - Seller-05/26/2025 |
Waived-Loan does not conform to program guidelines XXX of the XXX units are less than XXX sq ft, Actual size XXX. Investor approval - Due Diligence Vendor-05/27/2025 |
XXXX | DSCR is 1.08. Minimum required per guidelines is 1. Credit Score is 818. Minimum required per guidelines is 700. No credit lates confirmed (0 x 30 for 60+ months) LTV is 57.32%. Maximum allowed per guidelines is 65%. 3 years ownership in property. Minimum experience is 1 year of ownership in the past 3 years |
CA | Investment | Refinance | Cash Out - Other | 4145115 | Originator Post-Close | Yes | |||
| XXXX | 2031306 | Closed | 2025-05-11 01:29 | 2025-05-27 15:34 | Waived | 2 - Non-Material | C | B | Property | Property | Property Type does not meet eligibility requirement(s) | Waived-Property Type does not meet eligibility requirement per matrix only 5-8 units allowed. Investor approval. - Due Diligence Vendor-05/27/2025 Ready for Review-Document Uploaded. - Buyer-05/26/2025 Counter-Investor approval required. Number of property units exceeds eligibility for RMBS securitization. - Due Diligence Vendor-05/20/2025 Ready for Review-Document Uploaded. - Buyer-05/19/2025 Open-Property Type does not meet eligibility requirement per matrix only 5-8 units allowed. - Due Diligence Vendor-05/11/2025 Open- - Due Diligence Vendor-05/11/2025 |
Waived-Property Type does not meet eligibility requirement per matrix only 5-8 units allowed. Investor approval. - Due Diligence Vendor-05/27/2025 |
XXXX | DSCR is 1.08. Minimum required per guidelines is 1. Credit Score is 818. Minimum required per guidelines is 700. No credit lates confirmed (0 x 30 for 60+ months) LTV is 57.32%. Maximum allowed per guidelines is 65%. 3 years ownership in property. Minimum experience is 1 year of ownership in the past 3 years |
CA | Investment | Refinance | Cash Out - Other | 4106744 | Originator Post-Close | Yes | ||||
| XXXX | 2031307 | Closed | 2025-05-10 12:33 | 2025-05-27 21:34 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 59.35 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-05/27/2025 Resolved-Document received, data updated. - Due Diligence Vendor-05/27/2025 Ready for Review-Document Uploaded. - Seller-05/26/2025 Counter-Missing signature/date from cd, closing date shows XXXX, note date is XXXX - Due Diligence Vendor-05/19/2025 Ready for Review-Document Uploaded. - Seller-05/16/2025 Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) HUD is missing hence can't able to update Cash to borrower amount. - Due Diligence Vendor-05/10/2025 |
Ready for Review-Document Uploaded. - Seller-05/26/2025 Ready for Review-Document Uploaded. - Seller-05/16/2025 |
Resolved-Audited Reserves of 59.35 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-05/27/2025 Resolved-Document received, data updated. - Due Diligence Vendor-05/27/2025 |
XXXX | AL | Investment | Refinance | Cash Out - Other | 4104896 | N/A | N/A | ||||
| XXXX | 2031307 | Closed | 2025-05-14 17:00 | 2025-05-27 21:33 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-FINAL HUD-1 OR FINAL SETTLEMENT STATEMENT contains correct note date XXXX Due Diligence Vendor-05/27/2025 Resolved-Received note/dot, finding resolved - Due Diligence Vendor-05/21/2025 Ready for Review-Document Uploaded. - Seller-05/19/2025 Open-The Final 1003 is Incomplete Final 1003 L.3 section states loan has a prepayment pentalty - Due Diligence Vendor-05/14/2025 |
Ready for Review-Document Uploaded. - Seller-05/19/2025 |
Resolved-FINAL HUD-1 OR FINAL SETTLEMENT STATEMENT contains correct note date XXXX - Due Diligence Vendor-05/27/2025 Resolved-Received note/dot, finding resolved - Due Diligence Vendor-05/21/2025 |
XXXX | AL | Investment | Refinance | Cash Out - Other | 4140381 | N/A | N/A | ||||
| XXXX | 2031307 | Closed | 2025-05-10 12:48 | 2025-05-27 16:38 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-05/27/2025 Ready for Review-Document Uploaded. Note date to XXXX was corrected and replaced just uploaded incorrect docs - Buyer-05/26/2025 Counter-Please provide clarification on having multiple notes, we currently have one dated XXXX and another dated XXXX. - Due Diligence Vendor-05/23/2025 Ready for Review-Document Uploaded. - Buyer-05/21/2025 Counter-Missing signature/date from cd, closing date shows XXXX, note date is XXXX - Due Diligence Vendor-05/19/2025 Ready for Review-Document Uploaded. - Seller-05/16/2025 Open-Final HUD-1 Document is Missing. - Due Diligence Vendor-05/10/2025 |
Ready for Review-Document Uploaded. - Seller-05/16/2025 |
Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-05/27/2025 |
XXXX | AL | Investment | Refinance | Cash Out - Other | 4104936 | N/A | N/A | ||||
| XXXX | 2031307 | Closed | 2025-05-10 16:34 | 2025-05-23 19:24 | Resolved | 1 - Information | C | A | Credit | Credit | DSCR unknown | Resolved-Received lease agreements, finding resolved - Due Diligence Vendor-05/23/2025 Ready for Review-Document Uploaded. - Seller-05/21/2025 Counter-Please clarify, 1008 states 1 unit is vacant, 5 leases in file out of the 7 units - Due Diligence Vendor-05/19/2025 Ready for Review-Document Uploaded. - Buyer-05/16/2025 Open-Missing DSCR calculation. Rental deposits do not match rental agreements amounts listed - Due Diligence Vendor-05/10/2025 |
Ready for Review-Document Uploaded. - Seller-05/21/2025 |
Resolved-Received lease agreements, finding resolved - Due Diligence Vendor-05/23/2025 |
XXXX | AL | Investment | Refinance | Cash Out - Other | 4105774 | N/A | N/A | ||||
| XXXX | 2031307 | Closed | 2025-05-10 13:03 | 2025-05-20 11:12 | Resolved | 1 - Information | C | A | Credit | Credit | Lender Approval Form is Missing | Resolved-Lender Approval form indicates there is 5yr prepayment penalty, Provided Updated Note which has 5yr prepayment, Changes Made in system, Finding Rescinded - Due Diligence Vendor-05/20/2025 Ready for Review-Document Uploaded. - Seller-05/19/2025 Open-As per provided Note document there is no Prepayment penalty, however Loan approval cert loan program showing 5 years prepayment. - Due Diligence Vendor-05/10/2025 |
Ready for Review-Document Uploaded. - Seller-05/19/2025 |
Resolved-Lender Approval form indicates there is 5yr prepayment penalty, Provided Updated Note which has 5yr prepayment, Changes Made in system, Finding Rescinded - Due Diligence Vendor-05/20/2025 |
XXXX | AL | Investment | Refinance | Cash Out - Other | 4104992 | N/A | N/A | ||||
| XXXX | 2031307 | Closed | 2025-05-10 12:33 | 2025-05-14 20:27 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Audited Loan Amount of $XXXX is less than the Guideline Minimum Loan Amount of $XXXX Exception made for $XXXX loan amount - Due Diligence Vendor-05/10/2025 | Waived-Audited Loan Amount of $XXXX is less than the Guideline Minimum Loan Amount of $XXXX Exception made for $XXXX loan amount - Due Diligence Vendor-05/10/2025 |
Credit Score is 723. Minimum required per guidelines is 700. DSCR is 1.2. Minimum required per guidelines is 1. |
AL | Investment | Refinance | Cash Out - Other | 4104895 | Originator Pre-Close | Yes | |||||
| XXXX | 2031304 | Closed | 2025-05-10 10:32 | 2025-05-20 10:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing letter of explanation | Resolved-property is Unleased, Asked for Lox, provided LOX for unleased as property is in renovation, Changes made in system, Finding Rescinded - Due Diligence Vendor-05/20/2025 Ready for Review-Document Uploaded. - Buyer-05/19/2025 Open-Required LOX for un-leased property. - Due Diligence Vendor-05/10/2025 |
Resolved-property is Unleased, Asked for Lox, provided LOX for unleased as property is in renovation, Changes made in system, Finding Rescinded - Due Diligence Vendor-05/20/2025 |
XXXX | MD | Investment | Refinance | Cash Out - Other | 4104455 | N/A | N/A | |||||
| XXXX | 2031304 | Closed | 2025-05-10 10:34 | 2025-05-14 19:03 | Waived | 2 - Non-Material | B | B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Cash Out is not completed according to the guideline requirements Exception page #90 is made for CASH OUT SEASONING - Borrower purchased home a year ago with cash. In XXXX he took out a business loan for his consulting business and was unaware they were using the subject property as collateral. When we got title back we realized the lien. It is not a mortgage. It will be paid off at closing. - Due Diligence Vendor-05/10/2025 | Waived-Cash Out is not completed according to the guideline requirements Exception page #90 is made for CASH OUT SEASONING - Borrower purchased home a year ago with cash. In XXXX he took out a business loan for his consulting business and was unaware they were using the subject property as collateral. When we got title back we realized the lien. It is not a mortgage. It will be paid off at closing. - Due Diligence Vendor-05/10/2025 |
DSCR is 1.328. Minimum required per guidelines is 1. No history of derogatory credit. 0X30, 30 month mortgage |
MD | Investment | Refinance | Cash Out - Other | 4104467 | Originator Pre-Close | Yes | |||||
| XXXX | 2022584 | Closed | 2025-05-12 09:31 | 2025-05-16 16:00 | Resolved | 1 - Information | C | A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-Articles of Incorporation or comparable documents for LLC provided. - Due Diligence Vendor-05/16/2025 Resolved-Validation Resolved' - Due Diligence Vendor-05/16/2025 Ready for Review-Document Uploaded. - Seller-05/15/2025 Open-Entity Formation Doc Indicator is Missing. Please provide Articles of Incorporation or comparable documents. - Due Diligence Vendor-05/12/2025 |
Ready for Review-Document Uploaded. - Seller-05/15/2025 |
Resolved-Articles of Incorporation or comparable documents for LLC provided. - Due Diligence Vendor-05/16/2025 Resolved-Validation Resolved' - Due Diligence Vendor-05/16/2025 |
XXXX | FL | Investment | Refinance | No Cash Out - Borrower Initiated | 4109693 | N/A | N/A | ||||
| XXXX | 2022584 | Closed | 2025-05-12 09:31 | 2025-05-16 16:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Third Party Market Rent Source (IE. 1007, 1025, etc.) | Resolved-Third party market rent estimate (1007) document provided under Appraisals. - Due Diligence Vendor-05/16/2025 Resolved-Validation Resolved - Due Diligence Vendor-05/16/2025 Ready for Review-See both uploaded appraisals - Buyer-05/15/2025 Open-Third party market rent estimate is missing, a document establishing third party market rent source is missing from file, such as a 1007, 1025, etc. Third party market rent estimate is missing in file. - Due Diligence Vendor-05/12/2025 |
Resolved-Third party market rent estimate (1007) document provided under Appraisals. - Due Diligence Vendor-05/16/2025 Resolved-Validation Resolved - Due Diligence Vendor-05/16/2025 |
FL | Investment | Refinance | No Cash Out - Borrower Initiated | 4109694 | N/A | N/A | ||||||
| XXXX | 2022584 | Closed | 2025-05-12 10:25 | 2025-05-16 15:58 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 21.81 month(s) are greater than or equal to Guideline Required Reserves of 12 month(s) - Due Diligence Vendor-05/16/2025 Resolved-ALTA Settlement Statement provided. Audited Reserves of 23.18 month(s) are greater than or equal to Guideline Required Reserves of 12 month(s) - Due Diligence Vendor-05/16/2025 Resolved-Audited Reserves of 23.18 month(s) are greater than or equal to Guideline Required Reserves of 12 month(s) - Due Diligence Vendor-05/16/2025 Ready for Review-Document Uploaded. - Seller-05/15/2025 Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 12 month(s) Audited Reserves of months are less than Guideline Required Reserves of 12 months. - Due Diligence Vendor-05/12/2025 |
Ready for Review-Document Uploaded. - Seller-05/15/2025 |
Resolved-Audited Reserves of 21.81 month(s) are greater than or equal to Guideline Required Reserves of 12 month(s) - Due Diligence Vendor-05/16/2025 Resolved-ALTA Settlement Statement provided. Audited Reserves of 23.18 month(s) are greater than or equal to Guideline Required Reserves of 12 month(s) - Due Diligence Vendor-05/16/2025 Resolved-Audited Reserves of 23.18 month(s) are greater than or equal to Guideline Required Reserves of 12 month(s) - Due Diligence Vendor-05/16/2025 |
XXXX | FL | Investment | Refinance | No Cash Out - Borrower Initiated | 4109962 | N/A | N/A | ||||
| XXXX | 2022584 | Closed | 2025-05-12 09:20 | 2025-05-16 15:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-05/16/2025 Ready for Review-Document Uploaded. See page in preliminary title. - Buyer-05/15/2025 Open-Missing Evidence of Property Tax Subject Property Tax cert is missing in file. - Due Diligence Vendor-05/12/2025 |
Resolved-Evidence of Property Tax is present - Due Diligence Vendor-05/16/2025 |
XXXX | FL | Investment | Refinance | No Cash Out - Borrower Initiated | 4109646 | N/A | N/A | |||||
| XXXX | 2022584 | Closed | 2025-05-12 10:06 | 2025-05-16 15:08 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation Provided. - Due Diligence Vendor-05/16/2025 Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-05/16/2025 Ready for Review-Document Uploaded. - Seller-05/15/2025 Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Secondary Valuation or Additional Valuation is missing in file. - Due Diligence Vendor-05/12/2025 |
Ready for Review-Document Uploaded. - Seller-05/15/2025 |
Resolved-Secondary Valuation Provided. - Due Diligence Vendor-05/16/2025 Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-05/16/2025 |
XXXX | FL | Investment | Refinance | No Cash Out - Borrower Initiated | 4109859 | N/A | N/A | ||||
| XXXX | 2022584 | Closed | 2025-05-12 10:06 | 2025-05-16 15:08 | Resolved | 1 - Information | D | A | Property | Missing Doc | Appraisal is Missing | Resolved-Primary Appraisal provided. - Due Diligence Vendor-05/16/2025 Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-05/16/2025 Ready for Review-Document Uploaded. - Buyer-05/15/2025 Open-Appraisal is Missing Please provide 2 full appraisals as loan amount is > $XXXX - Due Diligence Vendor-05/12/2025 |
Resolved-Primary Appraisal provided. - Due Diligence Vendor-05/16/2025 Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-05/16/2025 |
XXXX | FL | Investment | Refinance | No Cash Out - Borrower Initiated | 4109860 | N/A | N/A | |||||
| XXXX | 2022584 | Closed | 2025-05-12 08:46 | 2025-05-16 14:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-05/16/2025 Resolved-Borrower 1 Citizenship Documentation-Driver's License provided. - Due Diligence Vendor-05/16/2025 Ready for Review-Document Uploaded. - Buyer-05/15/2025 Open-Borrower 1 Citizenship Documentation Is Missing Borrower 1 citizenship documentation Is Missing. - Due Diligence Vendor-05/12/2025 |
Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-05/16/2025 Resolved-Borrower 1 Citizenship Documentation-Driver's License provided. - Due Diligence Vendor-05/16/2025 |
XXXX | FL | Investment | Refinance | No Cash Out - Borrower Initiated | 4109559 | N/A | N/A | |||||
| XXXX | 2022584 | Closed | 2025-05-14 17:35 | 2025-05-16 14:34 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-05/16/2025 Ready for Review-Document Uploaded. - Buyer-05/15/2025 Open-The Initial 1003 is Missing Please provide initial 1003 - Due Diligence Vendor-05/14/2025 |
Resolved-The Initial 1003 is Present - Due Diligence Vendor-05/16/2025 |
XXXX | FL | Investment | Refinance | No Cash Out - Borrower Initiated | 4140805 | N/A | N/A | |||||
| XXXX | 2022584 | Closed | 2025-05-12 09:59 | 2025-05-16 10:42 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report provided. - Due Diligence Vendor-05/16/2025 Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-05/16/2025 Ready for Review-Document Uploaded. - Buyer-05/15/2025 Open-Borrower 1 Credit Report is Missing. Credit Report is Missing in file. - Due Diligence Vendor-05/12/2025 |
Resolved-Borrower 1 Credit Report provided. - Due Diligence Vendor-05/16/2025 Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-05/16/2025 |
XXXX | FL | Investment | Refinance | No Cash Out - Borrower Initiated | 4109829 | N/A | N/A | |||||
| XXXX | 2022584 | Closed | 2025-05-16 10:25 | 2025-05-16 10:42 | Resolved | 1 - Information | C | A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Validation Resolved - Due Diligence Vendor-05/16/2025 Open-Qualifying FICO on the 1008 Page is '796' or blank, but the Qualifying FICO from the Credit Liabilities Page is '764' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. - Due Diligence Vendor-05/16/2025 |
Resolved-Validation Resolved - Due Diligence Vendor-05/16/2025 |
FL | Investment | Refinance | No Cash Out - Borrower Initiated | 4161067 | N/A | N/A | ||||||
| XXXX | 2022584 | Closed | 2025-05-12 08:52 | 2025-05-16 10:42 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-1008 document Provided. - Due Diligence Vendor-05/16/2025 Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-05/16/2025 Ready for Review-Document Uploaded. - Buyer-05/15/2025 Open-The 1008 document is missing from the loan file. The 1008 document is missing in file, please provide with approval certificate as well. - Due Diligence Vendor-05/12/2025 |
Resolved-1008 document Provided. - Due Diligence Vendor-05/16/2025 Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-05/16/2025 |
XXXX | FL | Investment | Refinance | No Cash Out - Borrower Initiated | 4109569 | N/A | N/A | |||||
| XXXX | 2022584 | Closed | 2025-05-14 17:43 | 2025-05-16 10:42 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-05/16/2025 Resolved-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Present', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Business purpose & occupancy affidavit with initials provided. - Due Diligence Vendor-05/16/2025 Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Missing', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. - Due Diligence Vendor-05/16/2025 Ready for Review-Document Uploaded. - Buyer-05/15/2025 Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Missing', and on the Business Purpose V2 Page is 'Present'. Business Purpose Affidavit is required for a DSCR loan. business purpose & occupancy affidavit missing initials. Please update. - Due Diligence Vendor-05/14/2025 |
Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-05/16/2025 Resolved-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Present', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Business purpose & occupancy affidavit with initials provided. - Due Diligence Vendor-05/16/2025 |
XXXX | FL | Investment | Refinance | No Cash Out - Borrower Initiated | 4140913 | N/A | N/A | |||||
| XXXX | 2022584 | Closed | 2025-05-12 10:29 | 2025-05-16 10:41 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-05/16/2025 Ready for Review-Document Uploaded. - Seller-05/15/2025 Open-Missing Third Party Fraud Report Fraud Report is missing in file. - Due Diligence Vendor-05/12/2025 |
Ready for Review-Document Uploaded. - Seller-05/15/2025 |
Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-05/16/2025 |
XXXX | FL | Investment | Refinance | No Cash Out - Borrower Initiated | 4109984 | N/A | N/A | ||||
| XXXX | 2022584 | Closed | 2025-05-12 12:27 | 2025-05-16 10:30 | Resolved | 1 - Information | C | A | Credit | Eligibility | Business Entity EIN Number Missing | Resolved-Business Entity EIN document provided. - Due Diligence Vendor-05/16/2025 Ready for Review-Document Uploaded. - Buyer-05/15/2025 Open-Please provide Business Entity EIN. - Due Diligence Vendor-05/12/2025 |
Resolved-Business Entity EIN document provided. - Due Diligence Vendor-05/16/2025 |
XXXX | FL | Investment | Refinance | No Cash Out - Borrower Initiated | 4110921 | N/A | N/A | |||||
| XXXX | 2033682 | Closed | 2025-05-14 19:51 | 2025-05-23 16:03 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-05/23/2025 Ready for Review-Document Uploaded. VOR - Seller-05/22/2025 Open-Housing History Does Not Meet Guideline Requirements VOR missing from file. - Due Diligence Vendor-05/14/2025 |
Ready for Review-Document Uploaded. VOR - Seller-05/22/2025 |
Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-05/23/2025 |
XXXX | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 4143004 | N/A | N/A | ||||
| XXXX | 2033682 | Closed | 2025-05-13 11:37 | 2025-05-20 11:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing letter of explanation | Resolved-Updated 1003 provided with removal of Bank statement account XXXX #XXXX. Resolved - Due Diligence Vendor-05/20/2025 Ready for Review-Document Uploaded. Updated 1003 for assets removed - Seller-05/19/2025 Open-Provide access letter for the acct XXXX #XXXX for other name reflecting in bank statement page 52 - Due Diligence Vendor-05/13/2025 |
Ready for Review-Document Uploaded. Updated 1003 for assets removed - Seller-05/19/2025 |
Resolved-Updated 1003 provided with removal of Bank statement account XXXX #XXXX. Resolved - Due Diligence Vendor-05/20/2025 |
XXXX | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 4124319 | N/A | N/A | ||||
| XXXX | 2033682 | Closed | 2025-05-13 11:18 | 2025-05-20 11:19 | Resolved | 1 - Information | C | A | Credit | Credit | DSCR unknown | Resolved-DSCR worksheet Provided. Resolved - Due Diligence Vendor-05/20/2025 Ready for Review-Document Uploaded. DSCR - Seller-05/19/2025 Open-DSCR worksheet does not include rent of $XXXX per lease. Updated DSCR required. Audited DSCR: $XXXX/ PITIA of $XXXX = 1.243 DSCR - Due Diligence Vendor-05/13/2025 |
Ready for Review-Document Uploaded. DSCR - Seller-05/19/2025 |
Resolved-DSCR worksheet Provided. Resolved - Due Diligence Vendor-05/20/2025 |
XXXX | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 4124158 | N/A | N/A | ||||
| XXXX | 2033682 | Closed | 2025-05-13 11:02 | 2025-05-20 11:08 | Resolved | 1 - Information | C | A | Credit | Assets | Asset General | Resolved-Settlement statement of REO property XXXX Provided. Resolved - Due Diligence Vendor-05/20/2025 Ready for Review-Document Uploaded. Final SS - Seller-05/19/2025 Open-Provide wired proof for the other assets specify of $XXXX as per final 1003 page 579 - Due Diligence Vendor-05/13/2025 |
Ready for Review-Document Uploaded. Final SS - Seller-05/19/2025 |
Resolved-Settlement statement of REO property XXXX. Resolved - Due Diligence Vendor-05/20/2025 |
XXXX | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 4124052 | N/A | N/A | ||||
| XXXX | 2033682 | Closed | 2025-05-13 09:47 | 2025-05-20 10:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-1008 document provided. - Due Diligence Vendor-05/20/2025 Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-05/20/2025 Ready for Review-Document Uploaded. 1008 - Seller-05/19/2025 Open-The 1008 document is missing from the loan file. 1008 document is missing from file - Due Diligence Vendor-05/13/2025 |
Ready for Review-Document Uploaded. 1008 - Seller-05/19/2025 |
Resolved-1008 document provided. - Due Diligence Vendor-05/20/2025 Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-05/20/2025 |
XXXX | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 4123680 | N/A | N/A | ||||
| XXXX | 2033682 | Closed | 2025-05-13 11:35 | 2025-05-16 13:47 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-True and Certified Final Settlement Statement provided. Resolved. - Due Diligence Vendor-05/16/2025 Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-05/16/2025 Ready for Review-Document Uploaded. Final HUD1 - Seller-05/14/2025 Open-Final HUD-1 Document is Missing. Final HUD-1 document missing settlement agent signature. - Due Diligence Vendor-05/13/2025 |
Ready for Review-Document Uploaded. Final HUD1 - Seller-05/14/2025 |
Resolved-True and Certified Final Settlement Statement provided. Resolved. - Due Diligence Vendor-05/16/2025 Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-05/16/2025 |
XXXX | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 4124306 | N/A | N/A | ||||
| XXXX | 2033682 | Closed | 2025-05-13 10:55 | 2025-05-15 09:49 | Resolved | 1 - Information | C | A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Loan Collateral Advisor with CU score less than 2.5 provided, Verified & entered in system - Resolved - Due Diligence Vendor-05/15/2025 Ready for Review-Document Uploaded. Freddie SSR - Seller-05/14/2025 Open-For securitization, a second property valuation needs to be provided. File needs a FNMA and/or FHLMC UCDP/SSR report with scores less than 2.5; or the file needs an Appraisal Desk Review. - Due Diligence Vendor-05/13/2025 |
Ready for Review-Document Uploaded. XXXX - Seller-05/14/2025 |
Resolved-Loan Collateral Advisor with CU score less than 2.5 provided, Verified & entered in system - Resolved - Due Diligence Vendor-05/15/2025 |
XXXX | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 4123996 | N/A | N/A | ||||
| XXXX | 2033682 | Closed | 2025-05-13 10:09 | 2025-05-15 09:48 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Supplement uploaded, Title Coverage Amount of $XXXX is equal to Total Amount of Subject Lien(s), Verified & entered in system - Resolved - Due Diligence Vendor-05/15/2025 Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-05/15/2025 Ready for Review-Document Uploaded. Title Supp for Loan Amount - Seller-05/14/2025 Open-Title Coverage Amount of $0 is Less than Loan Amount Provide updated title with the coverage amount as the provided one on page 541 not reflecting loan amount. - Due Diligence Vendor-05/13/2025 |
Ready for Review-Document Uploaded. Title Supp for Loan Amount - Seller-05/14/2025 |
Resolved-Title Supplement uploaded, Title Coverage Amount of $XXXX is equal to Total Amount of Subject Lien(s), Verified & entered in system - Resolved - Due Diligence Vendor-05/15/2025 Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-05/15/2025 |
XXXX | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 4123775 | N/A | N/A | ||||
| XXXX | 2033685 | Closed | 2025-05-13 04:45 | 2025-05-22 19:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Validation Resolved' - Due Diligence Vendor-05/22/2025 Ready for Review-Document Uploaded. Income Calculations Worksheet - Seller-05/22/2025 Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide Lender Income worksheet for Business "XXXX". Lender Income worksheet missing. - Due Diligence Vendor-05/13/2025 |
Ready for Review-Document Uploaded. Income Calculations Worksheet - Seller-05/22/2025 |
Resolved-Validation Resolved' - Due Diligence Vendor-05/22/2025 |
XXXX | WA | Primary Residence | Refinance | Cash Out - Other | 4122600 | N/A | N/A | ||||
| XXXX | 2033685 | Closed | 2025-05-13 05:02 | 2025-05-22 10:07 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-05/22/2025 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/22/2025 Ready for Review-Document Uploaded. Gap Credit - Seller-05/21/2025 Open-Borrower 1 Gap Credit Report is Missing Provide Borrower 1 Gap Credit report. Borrower 1 Gap Credit report missing. - Due Diligence Vendor-05/13/2025 |
Ready for Review-Document Uploaded. Gap Credit - Seller-05/21/2025 |
Resolved-Borrower 1 Gap Credit Report uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-05/22/2025 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/22/2025 |
XXXX | WA | Primary Residence | Refinance | Cash Out - Other | 4122627 | N/A | N/A | ||||
| XXXX | 2033685 | Closed | 2025-05-13 04:11 | 2025-05-16 05:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated 1008 Document uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-05/16/2025 Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-05/16/2025 Ready for Review-Document Uploaded. 1008 - Seller-05/15/2025 Open-The 1008 document is missing from the loan file. Provide 1008 document. 1008 document missing. - Due Diligence Vendor-05/13/2025 |
Ready for Review-Document Uploaded. 1008 - Seller-05/15/2025 |
Resolved-Updated 1008 Document uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-05/16/2025 Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-05/16/2025 |
XXXX | WA | Primary Residence | Refinance | Cash Out - Other | 4122475 | N/A | N/A | ||||
| XXXX | 2033685 | Closed | 2025-05-13 06:46 | 2025-05-13 06:58 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (9.391%) APR equals or exceeds the Federal HPML threshold of (8.16%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.66%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 591 and the Final Closing disclosure on Pg 259, Finding reflects escrows. Rate lock date was entered correctly – see Pg 627, 250. An interior and exterior appraisal was completed for this property – see pg 50, the appraisal disclosure was provided to the borrower(s)- see Pg 691, and confirmation the appraisal was delivered to the borrower – see Pg 47-49, 356-358. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/13/2025 |
Resolved-The loan's (9.391%) APR equals or exceeds the Federal HPML threshold of (8.16%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.66%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 591 and the Final Closing disclosure on Pg 259, Finding reflects escrows. Rate lock date was entered correctly – see Pg 627, 250. An interior and exterior appraisal was completed for this property – see pg 50, the appraisal disclosure was provided to the borrower(s)- see Pg 691, and confirmation the appraisal was delivered to the borrower – see Pg 47-49, 356-358. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/13/2025 |
WA | Primary Residence | Refinance | Cash Out - Other | 4122954 | N/A | N/A | ||||||
| XXXX | 2033690 | Closed | 2025-05-14 08:16 | 2025-05-20 18:06 | Waived | 2 - Non-Material | C | B | Credit | Credit | DSCR Does Not Meet Guideline Requirements | Waived-Lender Exception received: "DSCR Foreign National, under 1% DSCR" (0.9979 DSCR) - Due Diligence Vendor-05/20/2025 Ready for Review-Document Uploaded. Exception Approval - Seller-05/20/2025 Open-• DSCR per audit review is 0.9979 ($XXX Market Rent / $XXX PITIA). Lender DSCR per the DSCR worksheet is 1.001. The difference is due to a difference in Property Tax. Audit used $XXX ($XXX Estimate W/O Exemptions ÷ 12). Lender used $XXX ($XXX per the Escrow waiver ÷ 12). The file is missing evidence of the $XXX amount. Otherwise, if the tax is truly $XXX, then DSCR is 0.9979, and the loan does not qualify due to Foreign National borrowers are not allowed to have a Low-Ratio DSCR under 1.0. - Due Diligence Vendor-05/14/2025 |
Ready for Review-Document Uploaded. Exception Approval - Seller-05/20/2025 |
Waived-Lender Exception received: "DSCR Foreign National, under 1% DSCR" (0.9979 DSCR) - Due Diligence Vendor-05/20/2025 |
XXXX | (1) Total Reserves are 14.23 months, which exceeds the program guidelines of 12 months. (2) Foreign National, but has U.S. credit with 2 open tradelines with zero lates. (3) Qualifying FICO score of 798 exceeds the program guideline of 700. |
TX | Investment | Purchase | NA | 4135403 | Originator Post-Close | Yes | |||
| XXXX | 2033690 | Closed | 2025-05-14 17:47 | 2025-05-20 18:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Property Tax is correct. Lender exception received for the resulting DSCR score. - Due Diligence Vendor-05/20/2025 Ready for Review-Document Uploaded. Exception Approval - Seller-05/20/2025 Open-Missing Evidence of Property Tax • DSCR per audit review is 0.9979 ($XXX Market Rent / $XXX PITIA). Lender DSCR per the DSCR worksheet is 1.001. The difference is due to a difference in Property Tax. Audit used $XXX ($XXX Estimate W/O Exemptions ÷ 12). Lender used $XXX ($XXX per the Escrow waiver ÷ 12). The file is missing evidence of the $XXX amount. Otherwise, if the tax is truly $XXX, then DSCR is 0.9979, and the loan does not qualify due to Foreign National borrowers are not allowed to have a Low-Ratio DSCR under 1.0. - Due Diligence Vendor-05/14/2025 |
Ready for Review-Document Uploaded. Exception Approval - Seller-05/20/2025 |
Resolved-Property Tax is correct. Lender exception received for the resulting DSCR score. - Due Diligence Vendor-05/20/2025 |
XXXX | TX | Investment | Purchase | NA | 4140964 | N/A | N/A | ||||
| XXXX | 2033690 | Closed | 2025-05-14 17:52 | 2025-05-19 16:49 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-05/19/2025 Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/19/2025 Open-Fraud Report Shows Uncleared Alerts • The XXXX Alerts Summary document shows a total of 5 High alerts, only 3 of which were cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-05/14/2025 |
Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/19/2025 |
Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-05/19/2025 |
XXXX | TX | Investment | Purchase | NA | 4141040 | N/A | N/A | ||||
| XXXX | 2033690 | Closed | 2025-05-14 17:07 | 2025-05-15 11:35 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-1 Document was identified. System updated. - Due Diligence Vendor-05/15/2025 Ready for Review-Document Uploaded. Final HUD1 - Seller-05/14/2025 Open-Final HUD-1 Document is Preliminary/Estimated Only. • There are two Combined ALTA Settlement Statements in file, both signed by the borrower and by the Escrow Officer. Unable to clearly identify which one is the true Final document. - Due Diligence Vendor-05/14/2025 |
Ready for Review-Document Uploaded. Final HUD1 - Seller-05/14/2025 |
Resolved-Final HUD-1 Document was identified. System updated. - Due Diligence Vendor-05/15/2025 |
XXXX | TX | Investment | Purchase | NA | 4140459 | N/A | N/A | ||||
| XXXX | 2033690 | Closed | 2025-05-14 07:15 | 2025-05-15 09:19 | Resolved | 1 - Information | C | A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Loan Collateral Advisor with CU score less than 2.5 provided, Verified & entered in system - Resolved - Due Diligence Vendor-05/15/2025 Ready for Review-Document Uploaded. XXXX - Seller-05/14/2025 Open-• Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a FNMA or FHLMC UCDP/SSR report with a score less than 2.5, or the file needs an Appraisal Desk Review. - Due Diligence Vendor-05/14/2025 |
Ready for Review-Document Uploaded. XXXX - Seller-05/14/2025 |
Resolved-Loan Collateral Advisor with CU score less than 2.5 provided, Verified & entered in system - Resolved - Due Diligence Vendor-05/15/2025 |
XXXX | TX | Investment | Purchase | NA | 4135283 | N/A | N/A | ||||
| XXXX | 2033684 | Closed | 2025-05-15 16:34 | 2025-05-21 13:07 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Photo Identification Type Missing | Resolved-received color copy of ID- resolved - Due Diligence Vendor-05/21/2025 Ready for Review-Document Uploaded. ID - Seller-05/20/2025 Open-Borrower 1 Photo Identification Missing. Please provide valid photo identification per guideline requirements. Bwr 1 ID not legible, clear copy requested - Due Diligence Vendor-05/15/2025 |
Ready for Review-Document Uploaded. ID - Seller-05/20/2025 |
Resolved-received color copy of ID- resolved - Due Diligence Vendor-05/21/2025 |
XXXX | NV | Primary Residence | Purchase | NA | 4152428 | N/A | N/A | ||||
| XXXX | 2033684 | Closed | 2025-05-14 08:43 | 2025-05-20 10:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Updated 1003 with corrected income which is matching with Lender Worksheet provided. - Due Diligence Vendor-05/20/2025 Resolved-Validation Resolved' - Due Diligence Vendor-05/20/2025 Ready for Review-Document Uploaded. Updated income on 1003 - Seller-05/19/2025 Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Per lender worksheet on page # 439, total qualifying income is $XXXX. However per final 1003, the qualifying income is $XXXX (B1 & B2 are receiving $6,954.51 each). Provide corrected lender worksheet validating this $XXXX amount. - Due Diligence Vendor-05/14/2025 |
Ready for Review-Document Uploaded. Updated income on 1003 - Seller-05/19/2025 |
Resolved-Updated 1003 with corrected income which is matching with Lender Worksheet provided. - Due Diligence Vendor-05/20/2025 Resolved-Validation Resolved' - Due Diligence Vendor-05/20/2025 |
XXXX | NV | Primary Residence | Purchase | NA | 4135455 | N/A | N/A | ||||
| XXXX | 2033684 | Closed | 2025-05-14 08:14 | 2025-05-20 09:42 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report provided. - Due Diligence Vendor-05/20/2025 Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-05/20/2025 Ready for Review-Document Uploaded. Gap Credit - Seller-05/19/2025 Open-Borrower 2 Gap Credit Report is Missing Provide B2 GAP credit report as it is missing from file. - Due Diligence Vendor-05/14/2025 |
Ready for Review-Document Uploaded. Gap Credit - Seller-05/19/2025 |
Resolved-Borrower 2 Gap Credit Report provided. - Due Diligence Vendor-05/20/2025 Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-05/20/2025 |
XXXX | NV | Primary Residence | Purchase | NA | 4135400 | N/A | N/A | ||||
| XXXX | 2033684 | Closed | 2025-05-14 08:14 | 2025-05-20 09:42 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report Provided. - Due Diligence Vendor-05/20/2025 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/20/2025 Ready for Review-Document Uploaded. Gap Credit - Seller-05/19/2025 Open-Borrower 1 Gap Credit Report is Missing Provide B1 GAP credit report as it is missing from file. - Due Diligence Vendor-05/14/2025 |
Ready for Review-Document Uploaded. Gap Credit - Seller-05/19/2025 |
Resolved-Borrower 1 Gap Credit Report Provided. - Due Diligence Vendor-05/20/2025 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/20/2025 |
XXXX | NV | Primary Residence | Purchase | NA | 4135399 | N/A | N/A | ||||
| XXXX | 2033684 | Closed | 2025-05-14 07:46 | 2025-05-20 09:38 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-1008 document provided. - Due Diligence Vendor-05/20/2025 Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-05/20/2025 Ready for Review-Document Uploaded. 1008 - Seller-05/19/2025 Open-The 1008 document is missing from the loan file. Provide 1008 document as it is missing from file. - Due Diligence Vendor-05/14/2025 |
Ready for Review-Document Uploaded. 1008 - Seller-05/19/2025 |
Resolved-1008 document provided. - Due Diligence Vendor-05/20/2025 Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-05/20/2025 |
XXXX | NV | Primary Residence | Purchase | NA | 4135354 | N/A | N/A | ||||
| XXXX | 2033684 | Closed | 2025-05-15 16:17 | 2025-05-16 14:07 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Note is Incomplete | Resolved-clarification received - resolved - Due Diligence Vendor-05/16/2025 Ready for Review-Document Uploaded. Compliance Response: The first payment date of XXXX, is correct based on how this loan closed and funded. This is industry standard. (We would not have XXXX 1st payment date.) Although technically it is 61 days, we’ve never seen that be an issue. The Note date was XXXX we funded on XXXX and collected daily interest from XXXX (25 days) on the final CD, which is accurate. Please review to clear condition as invalid. - Seller-05/15/2025 Open-The Note is Incomplete Note is incomplete - First Payment Date of XXXX is more than 30 days after the Note Date of XXXX. - Due Diligence Vendor-05/15/2025 |
Ready for Review-Document Uploaded. Compliance Response: The first payment date of XXXX, is correct based on how this loan closed and funded. This is industry standard. (We would not have a XXXX 1st payment date.) Although technically it is 61 days, we’ve never seen that be an issue. The Note date was XXXX, we funded on XXXX and collected daily interest from XXXX (25 days) on the final CD, which is accurate. Please review to clear condition as invalid. - Seller-05/15/2025 |
Resolved-clarification received - resolved - Due Diligence Vendor-05/16/2025 |
XXXX | NV | Primary Residence | Purchase | NA | 4151867 | N/A | N/A | ||||
| XXXX | 2033684 | Closed | 2025-05-14 08:51 | 2025-05-20 09:41 | Resolved | 1 - Information | A | A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Qualifying FICO on the 1008 Page is '798' or blank, but the Qualifying FICO from the Credit Liabilities Page is '804' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. - Due Diligence Vendor-05/20/2025 Resolved-Qualifying FICO on the 1008 Page is '806' or blank, but the Qualifying FICO from the Credit Liabilities Page is '804' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. per GLs dated XXXX page 42 section 3.1.10 -When both borrowers are self-employed and jointly own the business, the highest score amongst the borrowers is used as the decision credit score. - Due Diligence Vendor-05/14/2025 |
Resolved-Qualifying FICO on the 1008 Page is '798' or blank, but the Qualifying FICO from the Credit Liabilities Page is '804' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. - Due Diligence Vendor-05/20/2025 Resolved-Qualifying FICO on the 1008 Page is '806' or blank, but the Qualifying FICO from the Credit Liabilities Page is '804' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. per GLs XXXX page 42 section 3.1.10 -When both borrowers are self-employed and jointly own the business, the highest score amongst the borrowers is used as the decision credit score. - Due Diligence Vendor-05/14/2025 |
NV | Primary Residence | Purchase | NA | 4135471 | N/A | N/A | ||||||
| XXXX | 2033689 | Closed | 2025-05-14 10:16 | 2025-05-23 07:30 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Previous Ho3 Policy dated XXXX to XXXX uploaded, Verified - Resolved - Due Diligence Vendor-05/23/2025 Ready for Review-Document Uploaded. Insurance - Seller-05/22/2025 Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX Hazard Insurance Effective Date of XXXX is after the Note date of XXXX, Provide Hazard insurance prior to closing. - Due Diligence Vendor-05/14/2025 |
Ready for Review-Document Uploaded. Insurance - Seller-05/22/2025 |
Resolved-Previous Ho3 Policy dated XXXX uploaded, Verified - Resolved - Due Diligence Vendor-05/23/2025 |
XXXX | FL | Primary Residence | Refinance | Cash Out - Other | 4135674 | N/A | N/A | ||||
| XXXX | 2033689 | Closed | 2025-05-14 10:19 | 2025-05-20 11:47 | Resolved | 1 - Information | C | A | Credit | Credit | Subject hazard Insurance policy coverage is insufficient. | Resolved-Provided Mail conversation says "The dwelling is covered at replacement cost". Updated & Finding resolved. - Due Diligence Vendor-05/20/2025 Ready for Review-Document Uploaded. RCE attached shows that insurance is at replacement cost value. This is FL so that is what we normally get on these - Seller-05/19/2025 Open-Provide RCE document or updated Hazard insurance as the dwelling is not covering the full loan amount. - Due Diligence Vendor-05/14/2025 |
Ready for Review-Document Uploaded. RCE attached shows that insurance is at replacement cost value. This is FL so that is what we normally get on these - Seller-05/19/2025 |
Resolved-Provided Mail conversation says "The dwelling is covered at replacement cost". Updated & Finding resolved. - Due Diligence Vendor-05/20/2025 |
XXXX | FL | Primary Residence | Refinance | Cash Out - Other | 4135687 | N/A | N/A | ||||
| XXXX | 2033689 | Closed | 2025-05-14 10:03 | 2025-05-20 08:37 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 latest Gap Credit Report provided. - Due Diligence Vendor-05/20/2025 Ready for Review-Document Uploaded. Gap Credit - Seller-05/19/2025 Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Provide updated Gap credit report as the provided one on page 191 is dated XXXX not within 10 days of closing date - Due Diligence Vendor-05/14/2025 |
Ready for Review-Document Uploaded. Gap Credit - Seller-05/19/2025 |
Resolved-Borrower 1 latest Gap Credit Report provided. - Due Diligence Vendor-05/20/2025 |
XXXX | FL | Primary Residence | Refinance | Cash Out - Other | 4135642 | N/A | N/A | ||||
| XXXX | 2033691 | Closed | 2025-05-14 14:19 | 2025-05-20 11:57 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Property is Free & Clear. Payoff Letter Provided. Housing History Meets Guideline Requirements - Due Diligence Vendor-05/20/2025 Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-05/20/2025 Ready for Review-Document Uploaded. Free & Clear - Seller-05/19/2025 Open-Housing History Does Not Meet Guideline Requirements Unable to verify the Borrowers 12 Primary months, Provide the 12 months Primary months history of Borrower to meet GL Requirements. - Due Diligence Vendor-05/14/2025 |
Ready for Review-Document Uploaded. Free & Clear - Seller-05/19/2025 |
Resolved-Property is Free & Clear. Payoff Letter Provided. Housing History Meets Guideline Requirements - Due Diligence Vendor-05/20/2025 Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-05/20/2025 |
XXXX | TX | Investment | Purchase | NA | 4137930 | N/A | N/A | ||||
| XXXX | 2033691 | Closed | 2025-05-14 17:32 | 2025-05-20 11:54 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Latest Gift document with wire proof provided. - Due Diligence Vendor-05/20/2025 Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-05/20/2025 Ready for Review-Document Uploaded. Gift Docs - Seller-05/19/2025 Open-Asset Record 2 Does Not Meet G/L Requirements We have Gift Funds amount $XXXX as per the final 1003 & Gift letter on page#235 amount $XXXX but proof of document is missing in file. - Due Diligence Vendor-05/14/2025 |
Ready for Review-Document Uploaded. Gift Docs - Seller-05/19/2025 |
Resolved-Latest Gift document with wire proof provided. - Due Diligence Vendor-05/20/2025 Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-05/20/2025 |
XXXX | TX | Investment | Purchase | NA | 4140776 | N/A | N/A | ||||
| XXXX | 2031308 | Closed | 2025-05-16 17:13 | 2025-05-19 16:36 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Ineligible Housing History per program guidelines | Waived-Exception made for DSCR/does not own primary - Due Diligence Vendor-05/19/2025 Ready for Review-Document Uploaded. - Buyer-05/16/2025 Open-Housing History Does Not Meet Guideline Requirements Borrower does not own a primary residence on a DSCR loan - Due Diligence Vendor-05/16/2025 |
Waived-Exception made for DSCR/does not own primary - Due Diligence Vendor-05/19/2025 |
XXXX | LTV is 70%. Maximum allowed per guidelines is 85%. Credit Score is 779. Minimum required per guidelines is 640. |
KS | Investment | Purchase | NA | 4165634 | Originator Post-Close | Yes | ||||
| XXXX | 2031301 | Closed | 2025-05-19 02:40 | 2025-05-21 13:58 | Resolved | 1 - Information | C | A | Credit | Eligibility | Business Entity EIN Number Missing | Resolved-Received EIN, finding resolved - Due Diligence Vendor-05/21/2025 Ready for Review-Document Uploaded. - Buyer-05/20/2025 Counter-W9 uploaded with missing EIN - Due Diligence Vendor-05/20/2025 Ready for Review-Document Uploaded. - Buyer-05/19/2025 Open-Missing Business Entity EIN. Need supporting doc for EIN #. - Due Diligence Vendor-05/19/2025 |
Resolved-Received EIN, finding resolved - Due Diligence Vendor-05/21/2025 |
XXXX | OR | Investment | Refinance | No Cash Out - Borrower Initiated | 4174647 | N/A | N/A | |||||
| XXXX | 2031293 | Closed | 2025-05-15 05:00 | 2025-05-22 14:28 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Ineligible Housing History per program guidelines | Waived-DSCR/ Primary on month-to-month lease - Due Diligence Vendor-05/22/2025 Ready for Review-Document Uploaded. - Buyer-05/21/2025 Open-Housing History Does Not Meet Guideline Requirements As per Guidelines for Investment DSCR Loans Borrower need to own the Primary Residency or be leasing for the foreseeable future with a minimum of 6 months remaining on lease. According to lease on page 290/149 rental is on a month to month basis. Please advise. - Due Diligence Vendor-05/15/2025 |
Waived-DSCR/ Primary on month-to-month lease - Due Diligence Vendor-05/22/2025 |
XXXX | DSCR is 1.251. Minimum required per guidelines is 1. Borrower Housing History is 0X30, 36 months. |
IL | Investment | Refinance | Cash Out - Home Improvement/Reno | 4145996 | Originator Post-Close | Yes | ||||
| XXXX | 2031293 | Closed | 2025-05-19 19:53 | 2025-05-22 14:25 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-document received, signature present - Due Diligence Vendor-05/22/2025 Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-05/22/2025 Ready for Review-Document Uploaded. - Buyer-05/21/2025 Open-Final HUD-1 Document is Missing. Settlement statement is present but missing page 3/signature - Due Diligence Vendor-05/19/2025 |
Resolved-document received, signature present - Due Diligence Vendor-05/22/2025 Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-05/22/2025 |
XXXX | IL | Investment | Refinance | Cash Out - Home Improvement/Reno | 4183238 | N/A | N/A | |||||
| XXXX | 2031284 | Closed | 2025-05-18 12:57 | 2025-05-29 15:59 | Waived | 2 - Non-Material | D | B | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Waived-Exception made for using CPA being dated 30 days prior to funding as VVOE - Due Diligence Vendor-05/29/2025 Ready for Review-Document Uploaded. - Buyer-05/28/2025 Counter-Received CPA dated outside the 10 days of closing - Due Diligence Vendor-05/20/2025 Ready for Review-Document Uploaded. - Buyer-05/19/2025 Open-Borrower 1 3rd Party VOE Prior to Close Missing Verification of business existence required within 10 calendar days of closing. - Due Diligence Vendor-05/18/2025 |
Waived-Exception made for using CPA being dated 30 days prior to funding as VVOE - Due Diligence Vendor-05/29/2025 |
XXXX | Borrower(s) have 22.79 months Reserves. Minimum required per guidelines is 6 months. LTV is 67%. Maximum allowed per guidelines is 75%. |
ID | Primary Residence | Purchase | NA | 4173679 | Originator Post-Close | Yes | ||||
| XXXX | 2031284 | Closed | 2025-05-15 07:07 | 2025-05-20 10:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document Missing | Resolved-Title document is missing, Provided the same, Changes made in system, Finding Resolved - Due Diligence Vendor-05/20/2025 Resolved-Title Document is fully Present - Due Diligence Vendor-05/20/2025 Ready for Review-Document Uploaded. - Buyer-05/19/2025 Open-Title Document is missing is missing in file - Due Diligence Vendor-05/15/2025 |
Resolved-Title document is missing, Provided the same, Changes made in system, Finding Resolved - Due Diligence Vendor-05/20/2025 Resolved-Title Document is fully Present - Due Diligence Vendor-05/20/2025 |
XXXX | ID | Primary Residence | Purchase | NA | 4146683 | N/A | N/A | |||||
| XXXX | 2034729 | Closed | 2025-05-20 21:41 | 2025-05-30 21:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Title Document is Provided And Complete - Due Diligence Vendor-05/30/2025 Ready for Review-Document Uploaded. - Buyer-05/29/2025 Counter-No attachment received - Due Diligence Vendor-05/29/2025 Ready for Review-Have requested final Title. - Buyer-05/28/2025 Counter-Title for subject property not attached. - Due Diligence Vendor-05/27/2025 Ready for Review-Document Uploaded. - Buyer-05/23/2025 Open-Title Document is Incomplete Missing vesting in the LLC - Due Diligence Vendor-05/20/2025 |
Resolved-Title Document is Provided And Complete - Due Diligence Vendor-05/30/2025 |
XXXX | UT | Investment | Refinance | No Cash Out - Borrower Initiated | 4198111 | N/A | N/A | |||||
| XXXX | 2031299 | Closed | 2025-05-20 21:07 | 2025-05-23 15:39 | Resolved | 1 - Information | C | A | Credit | Assets | Asset General | Resolved-Received settlement statement, finding resolved - Due Diligence Vendor-05/23/2025 Ready for Review-Document Uploaded. - Buyer-05/22/2025 Open-Missing settlement statement for proceeds of sale - Due Diligence Vendor-05/20/2025 |
Resolved-Received settlement statement, finding resolved - Due Diligence Vendor-05/23/2025 |
XXXX | FL | Investment | Purchase | NA | 4197709 | N/A | N/A | |||||
| XXXX | 2031289 | Closed | 2025-05-15 03:52 | 2025-05-22 09:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Business Purpose affidavit check box is missing, Provided Updated Document, Changes made in system, Finding Resolved - Due Diligence Vendor-05/22/2025 Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-05/22/2025 Ready for Review-Document Uploaded. - Buyer-05/21/2025 Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Missing', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Check box is not marked in provided Business Purpose affidavit. - Due Diligence Vendor-05/15/2025 |
Resolved-Business Purpose affidavit check box is missing, Provided Updated Document, Changes made in system, Finding Resolved - Due Diligence Vendor-05/22/2025 Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-05/22/2025 |
XXXX | FL | Investment | Refinance | Cash Out - Other | 4145881 | N/A | N/A | |||||
| XXXX | 2031291 | Closed | 2025-05-21 00:40 | 2025-05-23 19:23 | Waived | 2 - Non-Material | C | B | Credit | Assets | Asset Page Cash Out Does Not Meet Guideline Requirements | Waived-Exception made for property being recently listed for sale within the past 3 months - Due Diligence Vendor-05/23/2025 Ready for Review-Document Uploaded. - Buyer-05/21/2025 Open-Cash Out Does Not Meet Guideline Requirements Missing 2 month seasoning for bank statements to utilize reserves comp factor - Due Diligence Vendor-05/21/2025 |
Waived-Exception made for property being recently listed for sale within the past 3 months - Due Diligence Vendor-05/23/2025 |
XXXX | 1. 4+ years with no mortgage lates - No Mortgage Late payments found in credit report for last 4 years. 2. Rate reduction from 9.685% to 7.875% |
FL | Investment | Refinance | Cash Out - Other | 4199333 | Originator Pre-Close | Yes | ||||
| XXXX | 2031290 | Closed | 2025-05-15 12:49 | 2025-05-23 15:45 | Waived | 2 - Non-Material | B | B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Cash Out is not completed according to the guideline requirements Exception made for property recently listed for sale within the past 3 months. - Due Diligence Vendor-05/15/2025 | Waived-Cash Out is not completed according to the guideline requirements Exception made for property recently listed for sale within the past 3 months. - Due Diligence Vendor-05/15/2025 |
1. Borrower(s) have 43.28 months Reserves. Minimum required per guidelines is 3 months. 2. 4+ years with no mortgage late payments. |
FL | Investment | Refinance | Cash Out - Other | 4148638 | Originator Pre-Close | Yes | |||||
| XXXX | 2031290 | Closed | 2025-05-20 18:33 | 2025-05-23 15:44 | Resolved | 1 - Information | C | A | Credit | Credit | DSCR unknown | Resolved-DSCR calculation received, finding resolved - Due Diligence Vendor-05/23/2025 Ready for Review-Document Uploaded. - Buyer-05/22/2025 Open-Missing DSCR calculation, ledger in file listing 1 month for $XXXX, market rent lists monthly income of $2,400 - Due Diligence Vendor-05/20/2025 |
Resolved-DSCR calculation received, finding resolved - Due Diligence Vendor-05/23/2025 |
XXXX | FL | Investment | Refinance | Cash Out - Other | 4195039 | N/A | N/A | |||||
| XXXX | 2031305 | Closed | 2025-05-19 04:26 | 2025-05-22 09:32 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-05/22/2025 Ready for Review-Document Uploaded. - Buyer-05/21/2025 Open-Title Coverage Amount of $0 is Less than Loan Amount Title Coverage Amount is missing in file - Due Diligence Vendor-05/19/2025 |
Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-05/22/2025 |
XXXX | CA | Investment | Purchase | NA | 4174740 | N/A | N/A | |||||
| XXXX | 2031305 | Closed | 2025-05-19 04:47 | 2025-05-22 09:32 | Resolved | 1 - Information | C | A | Credit | Credit | Missing AUS/Loan Approval | Resolved-Loan Approval in file reflects Personal bank statements, qualified with Business Bank statements, Provided Updated Loan approval, Finding Resolved - Due Diligence Vendor-05/22/2025 Ready for Review-Document Uploaded. - Buyer-05/21/2025 Open-Borrower is qualifying with 12 months business bank statements per provided bank statements in file but loan approval document showing 12 month personal bank statements which is incorrect required updated loan approval document. - Due Diligence Vendor-05/19/2025 |
Resolved-Loan Approval in file reflects Personal bank statements, qualified with Business Bank statements, Provided Updated Loan approval, Finding Resolved - Due Diligence Vendor-05/22/2025 |
XXXX | CA | Investment | Purchase | NA | 4174769 | N/A | N/A | |||||
| XXXX | 2031305 | Closed | 2025-05-19 05:33 | 2025-05-22 09:34 | Resolved | 1 - Information | A | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Title coverage is less than loan amount, Updated title document provided, Changes Made in system, Finding Resolved - Due Diligence Vendor-05/22/2025 Resolved-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX Disbursement date is after the effective date of hazard insurance. disbursement XXXX, insurance in effect XXXX - Due Diligence Vendor-05/19/2025 |
Resolved-Title coverage is less than loan amount, Updated title document provided, Changes Made in system, Finding Resolved - Due Diligence Vendor-05/22/2025 Resolved-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX Disbursement date is after the effective date of hazard insurance. disbursement XXXX, insurance in effect XXXX - Due Diligence Vendor-05/19/2025 |
CA | Investment | Purchase | NA | 4174858 | N/A | N/A | ||||||
| XXXX | 2034725 | Closed | 2025-05-19 23:04 | 2025-06-05 14:25 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-B2 housing history - Due Diligence Vendor-06/05/2025 Ready for Review-Document Uploaded. - Seller-06/04/2025 Counter-Lease agreement is month to month and does not confirm continuation with a minimum of 6 months. - Due Diligence Vendor-05/22/2025 Ready for Review-Document Uploaded. - Buyer-05/21/2025 Open-Please provide lease for B2 primary residence. The borrower must be renting another residence and the lease must continue for the foreseeable future (minimum of 6 months) - Due Diligence Vendor-05/19/2025 |
Ready for Review-Document Uploaded. - Seller-06/04/2025 |
Waived-B2 housing history - Due Diligence Vendor-06/05/2025 |
XXXX | Credit Score is 762. Minimum required per guidelines is 680. Borrower(s) have 72.96 months Reserves. Minimum required per guidelines is 6 months. |
CA | Investment | Purchase | NA | 4185656 | Originator Post-Close | Yes | |||
| XXXX | 2034725 | Closed | 2025-05-19 23:01 | 2025-05-22 15:01 | Resolved | 1 - Information | C | A | Credit | Credit | DSCR unknown | Resolved-Document received, data confirmed. XXXX - Due Diligence Vendor-05/22/2025 Ready for Review-Document Uploaded. - Seller-05/21/2025 Open-Please provide DSCR calculation - Due Diligence Vendor-05/19/2025 |
Ready for Review-Document Uploaded. - Seller-05/21/2025 |
Resolved-Document received, data confirmed. XXXX - Due Diligence Vendor-05/22/2025 |
XXXX | CA | Investment | Purchase | NA | 4185629 | N/A | N/A | ||||
| XXXX | 2034725 | Closed | 2025-05-19 08:47 | 2025-05-22 09:36 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title coverage is less than loan amount, Updated title document provided, Changes Made in system, Finding Resolved - Due Diligence Vendor-05/22/2025 Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-05/22/2025 Ready for Review-Document Uploaded. - Buyer-05/21/2025 Open-Title Coverage Amount of $0 is Less than Loan Amount Title Coverage Amount is missing in file - Due Diligence Vendor-05/19/2025 |
Resolved-Title coverage is less than loan amount, Updated title document provided, Changes Made in system, Finding Resolved - Due Diligence Vendor-05/22/2025 Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-05/22/2025 |
XXXX | CA | Investment | Purchase | NA | 4175305 | N/A | N/A | |||||
| XXXX | 2034725 | Closed | 2025-05-19 09:52 | 2025-05-19 22:37 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Excessive Seller Contributions | Waived-Exception on page 208 for 3% seller concessions on investment property. Max contributions according to GL are 2% - Due Diligence Vendor-05/19/2025 | Waived-Exception on page 208 for 3% seller concessions on investment property. Max contributions according to GL are 2% - Due Diligence Vendor-05/19/2025 |
Additional 3 months reserves - Borrower(s) have 72.96 months Reserves. Minimum required per guidelines is 6 months. No derogatory credit - No derogatory payments found in credit report for B1 or B2 - Credit Score is 762. Minimum required per guidelines is 680. |
CA | Investment | Purchase | NA | 4175476 | Originator Pre-Close | Yes | |||||
| XXXX | 2031295 | Closed | 2025-05-16 10:37 | 2025-05-29 15:54 | Resolved | 1 - Information | D | A | Property | Missing Doc | Appraisal is Missing | Resolved-Requested Full Appraisal Document Provided hence resolved. - Due Diligence Vendor-05/29/2025 Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-05/29/2025 Ready for Review-Document Uploaded. - Buyer-05/28/2025 Open-Appraisal is Missing Appraisal doc is on Page #29, 180 but missing Page's 1-2 pages. - Due Diligence Vendor-05/16/2025 |
Resolved-Requested Full Appraisal Document Provided hence resolved. - Due Diligence Vendor-05/29/2025 Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-05/29/2025 |
XXXX | FL | Primary Residence | Purchase | NA | 4161100 | N/A | N/A | |||||
| XXXX | 2031295 | Closed | 2025-05-22 13:22 | 2025-05-29 15:52 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Clarification received, property was free and clear - Due Diligence Vendor-05/29/2025 Ready for Review-No liens f/c - Buyer-05/28/2025 Open-Payment history for the seller’s mortgage on the subject property must be obtained and show no pattern of delinquency within the past 12 months - Due Diligence Vendor-05/22/2025 |
Resolved-Clarification received, property was free and clear - Due Diligence Vendor-05/29/2025 |
FL | Primary Residence | Purchase | NA | 4213568 | N/A | N/A | ||||||
| XXXX | 2031295 | Closed | 2025-05-16 10:46 | 2025-05-29 09:00 | Resolved | 1 - Information | C | A | Credit | Credit | Lender Approval Form is Missing | Resolved-Requested Lender approval with updated income type provided hence resolved. - Due Diligence Vendor-05/29/2025 Ready for Review-Document Uploaded. - Buyer-05/28/2025 Open-Lender approval doc is on Page # 352 shows income Qualifying 12 months Business Bank statements but as per Verification income Qualifying with Personal statements need correction in Lender form. - Due Diligence Vendor-05/16/2025 |
Resolved-Requested Lender approval with updated income type provided hence resolved. - Due Diligence Vendor-05/29/2025 |
XXXX | FL | Primary Residence | Purchase | NA | 4161152 | N/A | N/A | |||||
| XXXX | 2031295 | Closed | 2025-05-16 11:53 | 2025-05-22 05:49 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.528%) APR equals or exceeds the Federal HPML threshold of (8.15%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.65%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 352 and the Final Closing disclosure on Pg#’s 121 reflects escrows. Rate lock date was entered correctly – see Pg#’s 120, 355 An interior and exterior appraisal was completed for this property – see pg 35-43, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 423,and copy of the appraisal was given to the borrower – see Pg#’s 110 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-05/16/2025 | Resolved-The loan's (8.528%) APR equals or exceeds the Federal HPML threshold of (8.15%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.65%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 352 and the Final Closing disclosure on Pg#’s 121 reflects escrows. Rate lock date was entered correctly – see Pg#’s 120, 355 An interior and exterior appraisal was completed for this property – see pg 35-43, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 423,and copy of the appraisal was given to the borrower – see Pg#’s 110 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-05/16/2025 |
FL | Primary Residence | Purchase | NA | 4161483 | N/A | N/A | ||||||
| XXXX | 2033683 | Closed | 2025-05-16 14:30 | 2025-05-21 12:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-received updated 1003 and 1008 to match the income calculated - resolved - Due Diligence Vendor-05/21/2025 Ready for Review-Document Uploaded. Updated 1003 & 1008 - Seller-05/20/2025 Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provided Lender Income Calculation sheet, pg#519, reflects $XXX and does not match the F1003 & 1008 income of XXX. - Due Diligence Vendor-05/20/2025 Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provided Lender Asset Utilization Income Calculation sheet, pg#519, reflects $XXX and does not match the F1003 & 1008 income of $XXX. - Due Diligence Vendor-05/16/2025 |
Ready for Review-Document Uploaded. Updated 1003 & 1008 - Seller-05/20/2025 |
Resolved-received updated 1003 and 1008 to match the income calculated - resolved - Due Diligence Vendor-05/21/2025 |
XXXX | CA | Primary Residence | Purchase | NA | 4163121 | N/A | N/A | ||||
| XXXX | 2033683 | Closed | 2025-05-16 15:31 | 2025-05-21 09:14 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-05/21/2025 Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/21/2025 Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/20/2025 Open-Fraud Report Shows Uncleared Alerts Provide the updated fraud report, Fraud Report Shows Uncleared Alerts. - Due Diligence Vendor-05/16/2025 |
Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/20/2025 |
Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-05/21/2025 Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/21/2025 |
XXXX | CA | Primary Residence | Purchase | NA | 4164229 | N/A | N/A | ||||
| XXXX | 2033683 | Closed | 2025-05-16 15:06 | 2025-05-20 08:35 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Freddie SSR with acceptable score provided. - Due Diligence Vendor-05/20/2025 Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-05/20/2025 Ready for Review-Document Uploaded. Freddie SSR - Seller-05/19/2025 Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Provide the Second Appraisal/ Valuation is Missing. - Due Diligence Vendor-05/16/2025 |
Ready for Review-Document Uploaded. Freddie SSR - Seller-05/19/2025 |
Resolved-Freddie SSR with acceptable score provided. - Due Diligence Vendor-05/20/2025 Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-05/20/2025 |
XXXX | CA | Primary Residence | Purchase | NA | 4163617 | N/A | N/A | ||||
| XXXX | 2033688 | Closed | 2025-05-19 12:36 | 2025-05-22 09:25 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-05/22/2025 Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/22/2025 Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/21/2025 Open-Fraud Report Shows Uncleared Alerts Provide updated fraud report with all cleared alerts as the one on file shows uncleared alerts. - Due Diligence Vendor-05/19/2025 |
Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/21/2025 |
Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-05/22/2025 Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/22/2025 |
XXXX | TX | Investment | Purchase | NA | 4176308 | N/A | N/A | ||||
| XXXX | 2031303 | Closed | 2025-05-23 04:09 | 2025-05-28 16:40 | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Acknowledged-Confirmed missing anti steering disclosure, proceeding as is. - Due Diligence Vendor-05/28/2025 Ready for Review-XXXX acknowledges missing disclosure - Buyer-05/27/2025 Open-Anti-steering disclosure is missing in file. - Due Diligence Vendor-05/23/2025 |
Acknowledged-Confirmed missing anti steering disclosure, proceeding as is. - Due Diligence Vendor-05/28/2025 |
FL | Investment | Refinance | No Cash Out - Borrower Initiated | 4223663 | Originator Post-Close | No | ||||||
| XXXX | 2031303 | Closed | 2025-05-20 09:58 | 2025-05-28 16:38 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Document received - Due Diligence Vendor-05/28/2025 Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-05/28/2025 Ready for Review-Document Uploaded. - Buyer-05/28/2025 Open-Title Coverage Amount of $XXXX is Less than Loan Amount - Due Diligence Vendor-05/20/2025 |
Resolved-Document received - Due Diligence Vendor-05/28/2025 Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-05/28/2025 |
XXXX | FL | Investment | Refinance | No Cash Out - Borrower Initiated | 4188372 | N/A | N/A | |||||
| XXXX | 2031287 | Closed | 2025-05-23 15:28 | 2025-05-28 16:06 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income 1 Income Trend is Decreasing | Resolved-Clarification received - Due Diligence Vendor-05/28/2025 Ready for Review-Document Uploaded. - Buyer-05/27/2025 Open-Most recent 6 months of income show decrease, please clarify - Due Diligence Vendor-05/23/2025 |
Resolved-Clarification received - Due Diligence Vendor-05/28/2025 |
XXXX | MD | Primary Residence | Refinance | Cash Out - Debt Consolidation | 4228667 | N/A | N/A | |||||
| XXXX | 2031287 | Closed | 2025-05-23 14:37 | 2025-05-28 16:05 | Resolved | 1 - Information | C | A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Clarification received. - Due Diligence Vendor-05/28/2025 Ready for Review-loan was approved for cash out/ refi not debt consold. - Buyer-05/27/2025 Open-Loan does not conform to program guidelines Please clarify cash out. Borrower paying off $XXXX+ of revolving/installment debt, letter of explanation in file states cash out being utilized for debt consolidation, loan does not meet debt consolidation requirements for DTI and cash back to borrower - Due Diligence Vendor-05/23/2025 |
Resolved-Clarification received. - Due Diligence Vendor-05/28/2025 |
MD | Primary Residence | Refinance | Cash Out - Debt Consolidation | 4227668 | N/A | N/A | ||||||
| XXXX | 2031287 | Closed | 2025-05-23 14:05 | 2025-05-28 15:50 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-document received, data updated. - Due Diligence Vendor-05/28/2025 Ready for Review-Document Uploaded. added pts -see coc - Buyer-05/27/2025 Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Missing change of circumstance for added discount points - Due Diligence Vendor-05/23/2025 |
Resolved-document received, data updated. - Due Diligence Vendor-05/28/2025 |
XXXX | MD | Primary Residence | Refinance | Cash Out - Debt Consolidation | 4227140 | N/A | N/A | |||||
| XXXX | 2031287 | Closed | 2025-05-23 14:41 | 2025-05-23 14:41 | Waived | 2 - Non-Material | B | B | Credit | Assets | Asset General | Waived-Exception made for non-borrower account holder a bank statement - Due Diligence Vendor-05/23/2025 | Waived-Exception made for non-borrower account holder a bank statement - Due Diligence Vendor-05/23/2025 |
LTV is 38.12%. Maximum allowed per guidelines is 70%. Residual Income is $28272.17. Minimum Residual Income required per guidelines is $3500. |
MD | Primary Residence | Refinance | Cash Out - Debt Consolidation | 4227763 | Originator Pre-Close | Yes | |||||
| XXXX | 2031286 | Closed | 2025-05-22 20:40 | 2025-05-28 16:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document Missing | Resolved-Document received, data updated. - Due Diligence Vendor-05/28/2025 Resolved-Title Document is fully Present - Due Diligence Vendor-05/28/2025 Ready for Review-Document Uploaded. - Buyer-05/27/2025 Open-Title Document is missing 1. Missing vesting in borrowers name 2. Missing sufficient coverage listed - Due Diligence Vendor-05/22/2025 |
Resolved-Document received, data updated. - Due Diligence Vendor-05/28/2025 Resolved-Title Document is fully Present - Due Diligence Vendor-05/28/2025 |
XXXX | NV | Primary Residence | Purchase | NA | 4220709 | N/A | N/A | |||||
| XXXX | 2031286 | Closed | 2025-05-21 10:47 | 2025-05-22 20:25 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.408%) APR equals or exceeds the Federal HPML threshold of (8.31%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.81%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 343 and the Final Closing disclosure on Pg#’s 110 reflects escrows. Rate lock date was entered correctly – see Pg#’s 346, 108 An interior and exterior appraisal was completed for this property – see pg 59-66, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 400 and copy of the appraisal was given to the borrower – see Pg#’s 97 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-05/21/2025 | Resolved-The loan's (8.408%) APR equals or exceeds the Federal HPML threshold of (8.31%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.81%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 343 and the Final Closing disclosure on Pg#’s 110 reflects escrows. Rate lock date was entered correctly – see Pg#’s 346, 108 An interior and exterior appraisal was completed for this property – see pg 59-66, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 400 and copy of the appraisal was given to the borrower – see Pg#’s 97 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-05/21/2025 |
NV | Primary Residence | Purchase | NA | 4201286 | N/A | N/A | ||||||
| XXXX | 2031300 | Closed | 2025-05-23 18:31 | 2025-05-27 16:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-05/27/2025 Ready for Review-Document Uploaded. - Buyer-05/26/2025 Open-Business purpose disclosure does not have the checkbox marked - Due Diligence Vendor-05/23/2025 |
Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-05/27/2025 |
XXXX | IN | Investment | Purchase | NA | 4232004 | N/A | N/A | |||||
| XXXX | 2031297 | Closed | 2025-05-22 03:03 | 2025-05-29 22:25 | Resolved | 1 - Information | C | A | Compliance | Predatory:DocType | Maine - Ability To Repay Documentation Required (Higher Priced)(10/2013) | Resolved-Validated the ability to repay capabilities of borrower as required by the state regulations. Finding has been resolved and cleared. - Due Diligence Vendor-05/29/2025 Ready for Review-Document Uploaded. - Buyer-05/27/2025 Open-This is a Maine Higher-Priced Mortgage Loan. A lender must determine a borrower's repayment ability, using the borrower's current and expected income, employment, assets other than the collateral, current obligations, and mortgage-related obligations. The methodology and standards set forth in Me. Rev. Stat. Ann. Tit. 9-A 8-506(4) should be applied to determine a lender's compliance with this requirement. This is a Maine Higher-Priced Mortgage Loan. A lender must determine a borrower's repayment ability, using the borrower's current and expected income, employment, assets other than the collateral, current obligations, and mortgage-related obligations - Due Diligence Vendor-05/22/2025 |
Resolved-Validated the ability to repay capabilities of borrower as required by the state regulations. Finding has been resolved and cleared. - Due Diligence Vendor-05/29/2025 |
XXXX | ME | Primary Residence | Purchase | NA | 4211051 | N/A | N/A | |||||
| XXXX | 2031297 | Closed | 2025-05-23 20:19 | 2025-05-28 17:15 | Resolved | 1 - Information | C | A | Compliance | Disclosure | Missing PCCD. | Resolved-Document received, data updated. - Due Diligence Vendor-05/28/2025 Ready for Review-Document Uploaded. - Buyer-05/27/2025 Open-Final Closing disclosure does not have the gift funds being deposited into the escrow - Due Diligence Vendor-05/23/2025 |
Resolved-Document received, data updated. - Due Diligence Vendor-05/28/2025 |
XXXX | ME | Primary Residence | Purchase | NA | 4234580 | N/A | N/A | |||||
| XXXX | 2031297 | Closed | 2025-05-23 20:27 | 2025-05-28 16:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-document received - Due Diligence Vendor-05/28/2025 Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-05/28/2025 Ready for Review-Document Uploaded. - Seller-05/26/2025 Open-Borrower 1 Executed 4506-T Missing Missing 4506C for B1 - Due Diligence Vendor-05/23/2025 |
Ready for Review-Document Uploaded. - Seller-05/26/2025 |
Resolved-document received - Due Diligence Vendor-05/28/2025 Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-05/28/2025 |
XXXX | ME | Primary Residence | Purchase | NA | 4234742 | N/A | N/A | ||||
| XXXX | 2031297 | Closed | 2025-05-21 11:33 | 2025-05-28 16:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Paystubs Missing | Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-05/27/2025 Ready for Review-Document Uploaded. - Seller-05/26/2025 Open-Borrower 1 Paystubs Missing from file - Due Diligence Vendor-05/21/2025 |
Ready for Review-Document Uploaded. - Seller-05/26/2025 |
Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-05/27/2025 |
XXXX | ME | Primary Residence | Purchase | NA | 4201524 | N/A | N/A | ||||
| XXXX | 2031297 | Closed | 2025-05-21 11:33 | 2025-05-28 16:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Validation Resolved' - Due Diligence Vendor-05/28/2025 Resolved-Income Calculation Worksheet provided. Resolved - Due Diligence Vendor-05/27/2025 Ready for Review-Document Uploaded. - Buyer-05/26/2025 Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Missing Lender Income Calculation Worksheet for B2. - Due Diligence Vendor-05/21/2025 |
Resolved-Validation Resolved' - Due Diligence Vendor-05/28/2025 Resolved-Income Calculation Worksheet provided. Resolved - Due Diligence Vendor-05/27/2025 |
XXXX | ME | Primary Residence | Purchase | NA | 4201525 | N/A | N/A | |||||
| XXXX | 2031297 | Closed | 2025-05-22 03:03 | 2025-05-28 17:14 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Maine - Higher Priced Mortgage Loan (First Lien 10/2013)(Conforming) | Resolved- - Due Diligence Vendor-05/28/2025 Resolved-The loan's (8.516%) APR equals or exceeds the Maine HPML threshold of (8.31%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.81%). (Me. Rev. Stat. Ann. Tit. 9-A 8-506(1)(I); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#468 and the Final Closing disclosure on Pg#232. Rate lock date was entered correctly see Pg#’s 482 An interior and exterior appraisal was completed for this property – see pg 33, 74-81 the appraisal disclosure was provided to the borrower(s)- see Pg# 537and copy of the appraisal was given to the borrower see Pg 213, for the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-05/22/2025 |
Resolved- - Due Diligence Vendor-05/28/2025 Resolved-The loan's (8.516%) APR equals or exceeds the Maine HPML threshold of (8.31%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.81%). (Me. Rev. Stat. Ann. Tit. 9-A 8-506(1)(I); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#468 and the Final Closing disclosure on Pg#232. Rate lock date was entered correctly see Pg#’s 482 An interior and exterior appraisal was completed for this property – see pg 33, 74-81 the appraisal disclosure was provided to the borrower(s)- see Pg# 537and copy of the appraisal was given to the borrower see Pg 213, for the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-05/22/2025 |
ME | Primary Residence | Purchase | NA | 4211052 | N/A | N/A | ||||||
| XXXX | 2031297 | Closed | 2025-05-22 03:03 | 2025-05-28 17:14 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved- - Due Diligence Vendor-05/28/2025 Resolved-The loan's (8.516%) APR equals or exceeds the Federal HPML threshold of (8.31%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.81%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#468 and the Final Closing disclosure on Pg#232. Rate lock date was entered correctly see Pg#’s 482 An interior and exterior appraisal was completed for this property – see pg 33, 74-81 the appraisal disclosure was provided to the borrower(s)- see Pg#213, 537and copy of the appraisal was given to the borrower see Pg 213, 537 for the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-05/22/2025 |
Resolved- - Due Diligence Vendor-05/28/2025 Resolved-The loan's (8.516%) APR equals or exceeds the Federal HPML threshold of (8.31%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.81%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#468 and the Final Closing disclosure on Pg#232. Rate lock date was entered correctly see Pg#’s 482 An interior and exterior appraisal was completed for this property – see pg 33, 74-81 the appraisal disclosure was provided to the borrower(s)- see Pg#213, 537and copy of the appraisal was given to the borrower see Pg 213, 537 for the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-05/22/2025 |
ME | Primary Residence | Purchase | NA | 4211053 | N/A | N/A | ||||||
| XXXX | 2031296 | Closed | 2025-05-22 10:27 | 2025-05-28 09:10 | Resolved | 1 - Information | C | A | Credit | Credit | Lender Approval Form is Missing | Resolved-Loan approval With corrected FICO provided. - Due Diligence Vendor-05/28/2025 Ready for Review-Document Uploaded. - Buyer-05/27/2025 Open-Verified Lowest FICO score is 704, however Loan approval cert showing FICO score 692. - Due Diligence Vendor-05/22/2025 |
Resolved-Loan approval With corrected FICO provided. - Due Diligence Vendor-05/28/2025 |
XXXX | CA | Investment | Purchase | NA | 4212257 | N/A | N/A | |||||
| XXXX | 2031296 | Closed | 2025-05-22 10:18 | 2025-05-23 22:14 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Loan does not conform to program guidelines Exception page #337 Property is rural & subject property is an investment (property is under 2 acres) - Due Diligence Vendor-05/22/2025 | Waived-Loan does not conform to program guidelines Exception page #337 Property is rural & subject property is an investment (property is under 2 acres) - Due Diligence Vendor-05/22/2025 |
Borrower(s) have 17.33 months Reserves. Minimum required per guidelines is 3 months. No derogatory credit history. |
CA | Investment | Purchase | NA | 4212214 | Originator Pre-Close | Yes | |||||
| XXXX | 2031292 | Closed | 2025-05-23 21:26 | 2025-05-28 16:46 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Documents received, data updated. - Due Diligence Vendor-05/28/2025 Ready for Review-Document Uploaded. - Buyer-05/27/2025 Open-Final 1003 showing a different address that what is listed on the VOR - Due Diligence Vendor-05/23/2025 |
Resolved-Documents received, data updated. - Due Diligence Vendor-05/28/2025 |
XXXX | CA | Primary Residence | Purchase | NA | 4235388 | N/A | N/A | |||||
| XXXX | 2031292 | Closed | 2025-05-23 21:17 | 2025-05-28 16:45 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-05/28/2025 Ready for Review-Document Uploaded. Borrower has been SE for more than 2 years. See all companies - Buyer-05/27/2025 Open-Housing History Does Not Meet Guideline Requirements First time home buyer not allowed when employed in business for less than 2 years - Due Diligence Vendor-05/23/2025 |
Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-05/28/2025 |
XXXX | CA | Primary Residence | Purchase | NA | 4235323 | N/A | N/A | |||||
| XXXX | 2034727 | Closed | 2025-05-27 11:14 | 2025-06-05 10:41 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title coverage not present in title document in file, Provided Updated title Document, Changes made in system, Finding Resolved - Due Diligence Vendor-06/05/2025 Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-06/05/2025 Ready for Review-Document Uploaded. - Buyer-06/04/2025 Open-Title Coverage Amount of $0 is Less than Loan Amount - Due Diligence Vendor-05/27/2025 |
Resolved-Title coverage not present in title document in file, Provided Updated title Document, Changes made in system, Finding Resolved - Due Diligence Vendor-06/05/2025 Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-06/05/2025 |
XXXX | CA | Investment | Purchase | NA | 4241266 | N/A | N/A | |||||
| XXXX | 2034723 | Closed | 2025-05-23 12:12 | 2025-06-04 13:04 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Citizenship Identification Documentation Missing | Resolved-Identification document is missing, provided Permanent Resident, Changes made in system, Finding Resolved - Due Diligence Vendor-06/04/2025 Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-06/04/2025 Ready for Review-Document Uploaded. Borrower - Buyer-06/03/2025 Open-Borrower 1 Non-US Citizen Identification Document Missing. Please provide acceptable documentation. Borrower 1 Non-US Citizen identification document missing in file. Passport and VISA - Due Diligence Vendor-05/23/2025 |
Resolved-Identification document is missing, provided Permanent Resident, Changes made in system, Finding Resolved - Due Diligence Vendor-06/04/2025 Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-06/04/2025 |
XXXX | NC | Investment | Purchase | NA | 4225786 | N/A | N/A | |||||
| XXXX | 2034728 | Closed | 2025-05-30 21:17 | 2025-06-04 14:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-06/04/2025 Ready for Review-Document Uploaded. - Buyer-06/03/2025 Counter-Received grant, awaiting title supplement listing coverage - Due Diligence Vendor-06/03/2025 Ready for Review-Document Uploaded. Title supplement requested. - Buyer-06/02/2025 Open-Title Document is missing 1. Missing vesting in the LLC 2. Missing sufficient coverage listed on title - Due Diligence Vendor-05/30/2025 |
Resolved-Title Document is fully Present - Due Diligence Vendor-06/04/2025 |
XXXX | CA | Investment | Purchase | NA | 4289581 | N/A | N/A | |||||
| XXXX | 2034722 | Closed | 2025-06-02 14:10 | 2025-06-06 20:52 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-06/06/2025 Ready for Review-Document Uploaded. Borrower is s verified investor with the companies and business established for this purpose. See subject property. See attached LOE for primary. - Buyer-06/05/2025 Open-Housing History Does Not Meet Guideline Requirements Borrower living rent free for 6 months with daughter, less than 12 months housing history - Due Diligence Vendor-06/02/2025 |
Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-06/06/2025 |
XXXX | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 4297705 | N/A | N/A | |||||
| XXXX | 2034722 | Closed | 2025-06-02 14:05 | 2025-06-06 20:49 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-06/06/2025 Ready for Review-Document Uploaded. - Buyer-06/05/2025 Open-The Final 1003 is Missing LOX in file stating borrower has sold their primary and living rent free with their daughter, final 1003 states borrower still lives and owns primary residence - Due Diligence Vendor-06/02/2025 |
Resolved-The Final 1003 is Present - Due Diligence Vendor-06/06/2025 |
XXXX | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 4297620 | N/A | N/A | |||||
| XXXX | 2034722 | Closed | 2025-06-02 14:28 | 2025-06-06 19:38 | Resolved | 1 - Information | C | A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-Validation Resolved' - Due Diligence Vendor-06/06/2025 Ready for Review-Document Uploaded. - Buyer-06/05/2025 Open-Entity Formation Doc Indicator is Missing. Missing operating agreement from file - Due Diligence Vendor-06/02/2025 |
Resolved-Validation Resolved' - Due Diligence Vendor-06/06/2025 |
XXXX | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 4297942 | N/A | N/A | |||||
| XXXX | 2022580 | Closed | 2025-05-29 15:36 | 2025-05-30 20:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Document received - Due Diligence Vendor-05/30/2025 Ready for Review-Document Uploaded. - Buyer-05/29/2025 Open-Hazard Insurance Policy Partially Provided Binder is present but does not have a policy number - Due Diligence Vendor-05/29/2025 |
Resolved-Document received - Due Diligence Vendor-05/30/2025 |
XXXX | OR | Investment | Refinance | Cash Out - Other | 4270669 | N/A | N/A | |||||
| XXXX | 2022580 | Closed | 2025-05-29 15:09 | 2025-05-30 20:34 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Trust/POA Does Not Meet Guideline Requirements | Waived-Closing in Trust /Investor Advantage - Due Diligence Vendor-05/30/2025 Ready for Review-Document Uploaded. - Buyer-05/29/2025 Open-Title vesting to trust. Please advise. - Due Diligence Vendor-05/29/2025 |
Waived-Closing in Trust /Investor Advantage - Due Diligence Vendor-05/30/2025 |
XXXX | DSCR is 1.61. Minimum required per guidelines is 1. LTV is 70%. Maximum allowed per guidelines is 75%. no mortgage lates 0 x 30 for 90 months |
OR | Investment | Refinance | Cash Out - Other | 4269977 | Originator Post-Close | Yes | ||||
| XXXX | 2022580 | Closed | 2025-05-29 14:30 | 2025-05-30 20:34 | Waived | 2 - Non-Material | C | B | Credit | Credit | DSCR Does Not Meet Guideline Requirement | Waived-DSCR Does Not Meet Guideline Requirement, for DSCR borrower must own primary residence. The borrower must be renting another residence and the lease must continue for the foreseeable future (minimum of 6 months) - Due Diligence Vendor-05/30/2025 Ready for Review-Document Uploaded. - Buyer-05/29/2025 Open-DSCR Does Not Meet Guideline Requirement, for DSCR borrower must own primary residence. The borrower must be renting another residence and the lease must continue for the foreseeable future (minimum of 6 months). Please provide lease - Due Diligence Vendor-05/29/2025 |
Waived-DSCR Does Not Meet Guideline Requirement, for DSCR borrower must own primary residence. The borrower must be renting another residence and the lease must continue for the foreseeable future (minimum of 6 months) - Due Diligence Vendor-05/30/2025 |
XXXX | DSCR is 1.61. Minimum required per guidelines is 1. LTV is 70%. Maximum allowed per guidelines is 75%. no mortgage lates 0 x 30 for 90 months |
OR | Investment | Refinance | Cash Out - Other | 4269212 | Originator Post-Close | Yes | ||||
| XXXX | 2022580 | Closed | 2025-05-29 04:06 | 2025-05-30 08:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Final Business Purpose Affidavit Disclosure with Check box marked Provided. - Due Diligence Vendor-05/30/2025 Resolved-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Present', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. - Due Diligence Vendor-05/30/2025 Ready for Review-Document Uploaded. - Seller-05/29/2025 Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Missing', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Check box is not marked in provided Business Purpose Affidavit. - Due Diligence Vendor-05/29/2025 |
Ready for Review-Document Uploaded. - Seller-05/29/2025 |
Resolved-Final Business Purpose Affidavit Disclosure with Check box marked Provided. - Due Diligence Vendor-05/30/2025 Resolved-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Present', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. - Due Diligence Vendor-05/30/2025 |
XXXX | OR | Investment | Refinance | Cash Out - Other | 4265271 | N/A | N/A | ||||
| XXXX | 2034724 | Closed | 2025-06-05 17:37 | 2025-06-09 16:47 | Waived | 2 - Non-Material | D | B | Credit | Missing Doc | Missing letter of explanation | Waived-Exception made for no CPA letter for use of business funds - Due Diligence Vendor-06/09/2025 Ready for Review-Document Uploaded. - Buyer-06/06/2025 Open-Missing letter of explanation from CPA stating utilizing business assets will have no negative impact on the business - Due Diligence Vendor-06/05/2025 |
Waived-Exception made for no CPA letter for use of business funds - Due Diligence Vendor-06/09/2025 |
XXXX | 1. LTV is 60%. Maximum allowed per guidelines is 80%. 2. No derogatory credit history listed 3. Self employed more than 5+ years in the same business |
OH | Primary Residence | Purchase | NA | 4348964 | Originator Post-Close | Yes | ||||
| XXXX | 2034724 | Closed | 2025-06-04 10:48 | 2025-06-09 16:42 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Income Worksheet missing in file, provided the same, Changes made in system, Finding Resolved - Due Diligence Vendor-06/09/2025 Resolved-Validation Resolved' - Due Diligence Vendor-06/09/2025 Ready for Review-Document Uploaded. - Buyer-06/06/2025 Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Missing income calculation worksheet for XXXX - Due Diligence Vendor-06/04/2025 |
Resolved-Income Worksheet missing in file, provided the same, Changes made in system, Finding Resolved - Due Diligence Vendor-06/09/2025 Resolved-Validation Resolved' - Due Diligence Vendor-06/09/2025 |
XXXX | OH | Primary Residence | Purchase | NA | 4328185 | N/A | N/A | |||||
| XXXX | 2034724 | Closed | 2025-06-05 18:03 | 2025-06-09 16:42 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-06/09/2025 Ready for Review-Document Uploaded. - Buyer-06/06/2025 Open-Borrower 1 Business Bank Statements Missing Income calculation worksheet listing 24 months, missing 24 months bank statements - Due Diligence Vendor-06/05/2025 |
Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-06/09/2025 |
XXXX | OH | Primary Residence | Purchase | NA | 4349392 | N/A | N/A | |||||
| XXXX | 2034724 | Closed | 2025-06-05 17:22 | 2025-06-05 17:22 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Condo project is ineligible | Waived-Exception made for new condo project/number of units sold - Due Diligence Vendor-06/05/2025 | Waived-Exception made for new condo project/number of units sold - Due Diligence Vendor-06/05/2025 |
1. LTV is 60%. Maximum allowed per guidelines is 80%. 2. No derogatory credit history listed 3. Self employed more than 5+ years in the same business |
OH | Primary Residence | Purchase | NA | 4348688 | Originator Pre-Close | Yes |