Exhibit 99.11
| Loan ID | Seller Loan ID | Investor Loan ID | Overall Initial Loan Grade | Overall Final Loan Grade | Credit Initial Loan Grade | Credit Current/Final Loan Grade | Compliance Initial Loan Grade | Compliance Current/Final Loan Grade | Property Initial Loan Grade | Property Current/Final Loan Grade | Queue | Finding Code | Date Created | Date Modified | Finding Status | Event Level | Initial Finding Grade | Current/Final Finding Grade | Finding Category | Finding Sub Category | Finding Name | Finding Comments | Seller Comments | Resolution Comments | Reviewer Comp Factor | Originator Comp Factors | Finding Documents | Originator QM Status | Final Reviewed QM Status | Loan Amount | Property State | Occupancy | Loan Purpose | Refinance Purpose | Acknowledged / WaivedBy | Waiver in File? | Unique Finding ID |
| 4000054223 | xxx | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2024-11-25 12:50 | 2024-11-26 10:20 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Borrower purchased the property on xxx, 1.25% of the purchase price for the property tax was used. - Due Diligence Vendor-11/26/2024 Ready for Review-Please recognize that the tax amount reflected on the property detail is for xxx and the borrower purchased the property on xxx. Therefore, we used 1.25% of the purchase price for the property tax. - Due Diligence Vendor-11/26/2024 Open-Missing tax cert for xxx. Lender refinanced property in xxx. Property detail reflects monthly tax of $xxx, however, lender 1003 reflects a total monthly amount of over $xxx per month. - Due Diligence Vendor-11/25/2024 |
Resolved-Borrower purchased the property on xxx, 1.25% of the purchase price for the property tax was used. - Due Diligence Vendor-11/26/2024 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.12 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.62 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.29% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30 Years |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | ||||
| 4000054223 | xxx | D | A | D | A | A | A | A | A | Closed | FCRE2109 | 2024-11-25 12:37 | 2024-11-26 10:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-11/26/2024 Ready for Review-Please refer to pg.xxx & xxx in the uploaded PKG for the Income Calculation. - Due Diligence Vendor-11/25/2024 Open-Missing Lender Worksheet or Bank Statement Summary Missing Income worksheet. - Due Diligence Vendor-11/25/2024 |
Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-11/26/2024 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.12 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.62 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.29% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30 Years |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | ||||
| 4000053705 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 4000056578 | xxx | D | A | D | A | A | A | D | A | Closed | FCRE3464 | 2025-02-03 14:48 | 2025-02-03 15:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Closing/Final Verbal VOE | Resolved-Document Uploaded. LOE provided showing no impact to business. - Due Diligence Vendor-02/03/2025 Open-Property is in a xxx, need updated VOE/CPA letter (if self-employed) for borrower(s) to confirm no impact to qualifying income(s). - Due Diligence Vendor-02/03/2025 |
Resolved-Document Uploaded. LOE provided showing no impact to business. - Due Diligence Vendor-02/03/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | ||||
| 4000056578 | xxx | D | A | D | A | A | A | D | A | Closed | FPRO4876 | 2025-01-22 15:14 | 2025-01-29 10:18 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster area. | Resolved-CPA letter shows business not impacted by xxx. - Due Diligence Vendor-01/29/2025 Ready for Review-Document Uploaded. - Due Diligence Vendor-01/29/2025 Open-Property is located in a xxx and requires a xxx. Need xxx evidencing no impact from xxx to the subject property. Subject to additional conditions if property is impacted. - Due Diligence Vendor-01/22/2025 |
Resolved-CPA letter shows business not impacted by xxx. - Due Diligence Vendor-01/29/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | ||||
| 4000056578 | xxx | D | A | D | A | A | A | D | A | Closed | FVAL3825 | 2025-01-22 15:14 | 2025-01-29 10:17 | Resolved | 1 - Information | C | A | Property | Property Issue | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Resolved-PDI shows property is free from any xxx. - Due Diligence Vendor-01/29/2025 Ready for Review-Document Uploaded. xxx - Due Diligence Vendor-01/29/2025 Open-Property is in a xxx, need updated VOE/xxx letter (if self-employed) for borrower(s) to confirm no impact to qualifying income(s). - Due Diligence Vendor-01/22/2025 |
Resolved-xxx shows property is free from any xxx. - Due Diligence Vendor-01/29/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | ||||
| 4000056578 | xxx | D | A | D | A | A | A | D | A | Closed | FCRE1491 | 2024-12-13 00:24 | 2024-12-17 09:34 | Resolved | 1 - Information | D | A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Lender no longer using xxx accounts listed on Final 1003. Updated 1003 & 1008 provided. - Due Diligence Vendor-12/17/2024 Ready for Review-Please find the attached 1008 & 1003. - Due Diligence Vendor-12/17/2024 Counter-Document Uploaded. Final 1003 reflects xxx accounts being used for Assets, If No longer being used as assets an updated 1003 & 1008 is needed. - Due Diligence Vendor-12/16/2024 Ready for Review-Can you please waive this condition as xxx Accounts were not used as part of the asset? Only xxx accounts were used. - Due Diligence Vendor-12/16/2024 Open-Require supporting asset proof for the xxx Account # xxx , xxx & xxx - Due Diligence Vendor-12/13/2024 |
Resolved-Lender no longer using xxx accounts listed on Final 1003. Updated 1003 & 1008 provided. - Due Diligence Vendor-12/17/2024 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | ||||
| 4000059307 | xxx | C | B | C | B | A | A | A | A | Closed | FCRE1198 | 2024-12-18 05:06 | 2025-01-07 14:02 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Approved Investor Exception: exception for less than required reserves. - Due Diligence Vendor-01/07/2025 Ready for Review-Please find attached the exception approval. - Due Diligence Vendor-01/07/2025 Open-Audited Reserves of xxx are less than Guideline Required Reserves of 4 - Due Diligence Vendor-12/18/2024 |
Waived-Approved Investor Exception: exception for less than required reserves. - Due Diligence Vendor-01/07/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.66% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 17.17 Years |
Good Fico Decent DTI High Income Good Credit History Current reserves cover close to required 4 months. |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxx | ||
| 4000057896 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 4000058958 | xxx | D | A | D | A | D | A | D | A | Closed | FCRE3464 | 2025-01-22 15:17 | 2025-02-05 14:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Closing/Final Verbal VOE | Resolved-VVOE provided dated xxx - Due Diligence Vendor-02/05/2025 Ready for Review-Please find attached the VVOE. - Due Diligence Vendor-02/05/2025 Counter-Borrower is Self employed- need updated xxx letter to confirm no impact to qualifying income(s). - Due Diligence Vendor-02/04/2025 Ready for Review-Please find attached the VVOE. - Due Diligence Vendor-02/04/2025 Open-Property is in a xxx, need updated VOE/xxx letter (if self-employed) for borrower(s) to confirm no impact to qualifying income(s). - Due Diligence Vendor-01/22/2025 |
Resolved-VVOE provided dated xxx - Due Diligence Vendor-02/05/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.11 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.93% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 4000058958 | xxx | D | A | D | A | D | A | D | A | Closed | FPRO4876 | 2025-01-22 15:17 | 2025-01-31 07:27 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster area. | Resolved-Per xxx directive, property located outside of immediate impact area. xxx reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-01/31/2025 Ready for Review-Please find attached the xxx report. - Due Diligence Vendor-01/31/2025 Counter-The Subject Property is located in the "xxx" - xxx to be performed after completion or end date of xxx per xxx. xxx reports provided prior to that date will not be accepted by investor. - Due Diligence Vendor-01/29/2025 Ready for Review-The property is far from the xxx. Please waive the condition. - Due Diligence Vendor-01/29/2025 Open-Property is located in a xxx and requires a xxx. Need xxx evidencing no impact from xxx to the subject property. Subject to additional conditions if property is impacted. - Due Diligence Vendor-01/22/2025 |
Resolved-Per xxx directive, property located outside of immediate xxx area. xxx reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-01/31/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.11 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.93% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 4000058958 | xxx | D | A | D | A | D | A | D | A | Closed | FCOM8227 | 2024-12-23 14:32 | 2024-12-27 08:37 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-**Received all pages to Initial LE. - Due Diligence Vendor-12/27/2024 Ready for Review-Please find attached the initial LE - Due Diligence Vendor-12/27/2024 Open-Initial Loan Estimate Page 1 is Missing. - Due Diligence Vendor-12/23/2024 |
Resolved-**Received all pages to Initial LE. - Due Diligence Vendor-12/27/2024 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.11 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.93% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 4000056559 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 4000057380 | xxx | D | A | D | A | A | A | D | A | Closed | FCRE3464 | 2025-01-22 15:19 | 2025-01-31 07:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Closing/Final Verbal VOE | Resolved-VVOE/xxx Provided dated xxx - Due Diligence Vendor-01/31/2025 Ready for Review-VVOE UPDATED - NO IMPACT BY xxx - Due Diligence Vendor-01/31/2025 Open-Property is in a declared xxx, need updated VOE/xxx letter (if self-employed) for borrower(s) to confirm no impact to qualifying income(s). - Due Diligence Vendor-01/22/2025 |
Resolved-VVOE/CA Provided dated xxx - Due Diligence Vendor-01/31/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.19 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 6.98 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.25 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.33% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 4000057380 | xxx | D | A | D | A | A | A | D | A | Closed | FPRO4876 | 2025-01-22 15:19 | 2025-01-31 07:34 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster area. | Resolved-Per xxx directive, property located outside of immediate impact area. xxx reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-01/31/2025 Ready for Review-xxx - xxx - Due Diligence Vendor-01/31/2025 Open-Property is located in a xxx and requires a xxx. Need xxx evidencing no impact from xxx to the subject property. Subject to additional conditions if property is impacted. - Due Diligence Vendor-01/22/2025 |
Resolved-Per xxx directive, property located outside of immediate xxx area. xxx reflects no xxx or impact to marketability and is acceptable - Due Diligence Vendor-01/31/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.19 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 6.98 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.25 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.33% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 4000057380 | xxx | D | A | D | A | A | A | D | A | Closed | FVAL1310 | 2024-12-26 09:04 | 2024-12-31 09:56 | Resolved | 1 - Information | D | A | Property | Missing Doc | HOA Questionnaire is Missing or incomplete | Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-12/31/2024 Ready for Review-Subject Property is a detached condo, so we don't need a HOA Cert for this file. We already provided the HOA Statement for subject prop. Could you please kindly waive the condition? - Due Diligence Vendor-12/30/2024 Open-HOA Questionnaire Document status is Missing. - Due Diligence Vendor-12/26/2024 |
Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-12/31/2024 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.19 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 6.98 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.25 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.33% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||||
| 4000058957 | xxx | D | A | D | A | A | A | D | A | Closed | FPRO4876 | 2025-02-03 15:21 | 2025-02-04 12:04 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster area. | Resolved-Document Uploaded. xxx shows property was not impacted by xxx. - Due Diligence Vendor-02/04/2025 Ready for Review-xxx doesn't allow to upload the document. xxx team confirmed that xxx condition has been cleared. - Due Diligence Vendor-02/04/2025 Open-Property is located in a xxx and requires a xxx. Need xxx evidencing no impact from xxx to the subject property. Subject to additional conditions if property is impacted. - Due Diligence Vendor-02/03/2025 |
Resolved-Document Uploaded. xxx shows property was not impacted by xxx. - Due Diligence Vendor-02/04/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.1 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 4000058957 | xxx | D | A | D | A | A | A | D | A | Closed | FCRE3464 | 2025-02-03 15:21 | 2025-02-04 12:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Closing/Final Verbal VOE | Resolved-Document Uploaded. Updatded VOE shows borrower is still currently employed and job was not impacted by xxx. - Due Diligence Vendor-02/04/2025 Ready for Review-xxx doesn't allow to upload the document. Emailed updated VOE to xxx team. - Due Diligence Vendor-02/04/2025 Open-Property is in a xxx, need updated VOE/CPA letter (if self-employed) for borrower(s) to confirm no impact to qualifying income(s). - Due Diligence Vendor-02/03/2025 |
Resolved-Document Uploaded. Updatded VOE shows borrower is still currently employed and job was not impacted by xxx. - Due Diligence Vendor-02/04/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.1 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 4000058957 | xxx | D | A | D | A | A | A | D | A | Closed | FCRE7009 | 2024-12-31 11:42 | 2025-01-06 14:03 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-RCE provided. - Due Diligence Vendor-01/06/2025 Open-Hazard insurance dwelling coverage is not sufficient - Due Diligence Vendor-12/31/2024 |
Resolved-RCE provided. - Due Diligence Vendor-01/06/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.1 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||||
| 4000058957 | xxx | D | A | D | A | A | A | D | A | Closed | FCRE1168 | 2024-12-30 03:37 | 2025-01-06 14:02 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and/or the Replacement Cost Estimator Value Provided by the Insurer | Resolved-Hazard Insurance Coverage Amount of $xxx is equal to or greater than the Subject Lien or replacement cost value of $xxx - Due Diligence Vendor-01/06/2025 Ready for Review-Uploaded RCE updated amount $xxx - Due Diligence Vendor-01/06/2025 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was Provided - Hazard Insurance Coverage in the amount of $xxx is less than the minimum required coverage amount of $xxx Coverage amount is not sufficient to Required Coverage Amount - Due Diligence Vendor-12/30/2024 |
Resolved-Hazard Insurance Coverage Amount of $xxx is equal to or greater than the Subject Lien or replacement cost value of $xxx - Due Diligence Vendor-01/06/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.1 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 4000058949 | xxx | D | A | D | A | C | A | A | A | Closed | finding-3712 | 2024-12-30 06:20 | 2025-01-21 07:55 | Resolved | 1 - Information | C | A | Compliance | State Reg | CA Per Diem Interest Amount Test | Resolved-Curative PCCD received --- not subject to TILA 130(b) -- resolved - Due Diligence Vendor-01/21/2025 Ready for Review-Please see attached - Due Diligence Vendor-01/21/2025 Counter-**** The xxx per Diem interest disclosure executed by the borrower at consummation, does not allow for disbursement/per diem interest to be charged thru a weekend or holiday period. see page xxx of package uploaded to TPR. - Due Diligence Vendor-01/06/2025 Ready for Review-We closing on the xxx and it was recorded, but due to the county's holidays on the xxx and xxx, the process was delayed. Could you please kindly understand this situation? - Due Diligence Vendor-01/06/2025 Open-This loan failed the per diem interest amount test. (xxx Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan ($xxx) exceeds the per diem interest charge or credit threshold ($xxx).PLEASE NOTE: An additional $xxx buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. **** xxx per Diem interest Disclosure executed by borrower allows 1 day of interest to be charges for disbursement delay. PCCD includes 3 days. Interest refund due to borrower in the amount of $95.00 is required - Due Diligence Vendor-01/02/2025 |
Resolved-Curative PCCD received --- not subject to TILA 130(b) -- resolved - Due Diligence Vendor-01/21/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.7% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||
| 4000058949 | xxx | D | A | D | A | C | A | A | A | Closed | FCRE1467 | 2024-12-30 04:32 | 2025-01-06 10:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-01/06/2025 Ready for Review-Sorry I forgot to add this asset in PKG. Please see attached - Due Diligence Vendor-01/03/2025 Open-Asset 1 Missing Provide account statement with xxx #xxx, to evidence balance of $xxx as qualified. - Due Diligence Vendor-12/30/2024 |
Resolved-Asset 1 Provided - Due Diligence Vendor-01/06/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.7% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||
| 4000057949 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | |||||||||||||||||||
| 4000058812 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | |||||||||||||||||||
| 4000059046 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 4000059726 | xxx | D | A | D | A | A | A | A | A | Closed | FCRE2109 | 2025-01-08 19:31 | 2025-01-10 14:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-01/10/2025 Ready for Review-Please see attached - Due Diligence Vendor-01/10/2025 Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-01/09/2025 |
Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-01/10/2025 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.13 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.50 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 30.59 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxx | |||
| 4000059537 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 4000059168 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 4000055776 | xxx | C | A | C | A | A | A | C | A | Closed | FPRO1136 | 2025-01-10 01:29 | 2025-01-22 10:04 | Resolved | 1 - Information | C | A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-01/22/2025 Ready for Review-xxx - Due Diligence Vendor-01/22/2025 Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not fully Present - Due Diligence Vendor-01/10/2025 |
Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-01/22/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.88% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.58 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 38.1 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.39 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.39 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | |||
| 4000055776 | xxx | C | A | C | A | A | A | C | A | Closed | FCRE1324 | 2025-01-10 02:47 | 2025-01-15 08:29 | Resolved | 1 - Information | C | A | Credit | Income | Borrower 1 Tax Returns Not Signed | Resolved-Borrower 1 Signed Tax Returns Resolved - Due Diligence Vendor-01/15/2025 Ready for Review-Signed Tax Returns - Due Diligence Vendor-01/14/2025 Open-Borrower 1 Tax Returns Not Signed - Due Diligence Vendor-01/10/2025 |
Resolved-Borrower 1 Signed Tax Returns Resolved - Due Diligence Vendor-01/15/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.88% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.58 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 38.1 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.39 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.39 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | |||
| 4000060079 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 4000059158 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 4000058906 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | |||||||||||||||||||
| 4000060181 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 4000060578 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 4000060114 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 4000059795 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | |||||||||||||||||||
| 4000061794 | xxx | D | A | D | A | A | A | D | A | Closed | FCRE1198 | 2025-01-23 01:06 | 2025-02-14 11:15 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of xxx are greater than or equal to Guideline Required Reserves of 4 - Due Diligence Vendor-02/14/2025 Ready for Review-Borrower's verified Asset = $xxx (Gift Funds xxx + Asset xxx - Cash to Close xxx - xxx 30-Day Payment xxx + FSS refund xxx) Required Reserve Amount : $xxx (PITI * 4MONTHS) Borrower Verified Asset xxx is excess over 4months of reserve xxx, so borrower is not short of reserves. (Excess $xxx) Attached is POST CD, Certified FSS to verify its numbers. - Due Diligence Vendor-02/13/2025 Counter-Providing proof the reserves qualified at day of closing xxx - If after the day of closing an Investor Approved Exception will be required. - Due Diligence Vendor-02/12/2025 Ready for Review-Could you please accept to clear if we can provide a credit supplement to show xxx account is paid off/zero balance? Please provide us with the comment. - Due Diligence Vendor-02/12/2025 Counter-xxx monthly balance of $xxx deducted from reserves - CTC $xxx - Gift funds $xxx - Verified Assets $xxx - Total $xxx - 4 Months reserves $xxx - Verified funds after closing $xxx - short by $xxx / xxx months - Due Diligence Vendor-01/28/2025 Ready for Review-After down payment, borrower has $xxx left. Could you please provide detailed explanation of how borrower can be short? - Due Diligence Vendor-01/28/2025 Open-Audited Reserves of xxx are less than Guideline Required Reserves of 4 - Due Diligence Vendor-01/23/2025 |
Resolved-Audited Reserves of xxx are greater than or equal to Guideline Required Reserves of 4 - Due Diligence Vendor-02/14/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.75% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.99 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||
| 4000061794 | xxx | D | A | D | A | A | A | D | A | Closed | FCRE3464 | 2025-02-03 12:52 | 2025-02-03 12:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Closing/Final Verbal VOE | Resolved-VVOE dated xxx provided. - Due Diligence Vendor-02/03/2025 Open-Per xxx directive, xxx VVOE required confirming no negative impact to employment or income from current xxx. - Due Diligence Vendor-02/03/2025 |
Resolved-VVOE dated xxx provided. - Due Diligence Vendor-02/03/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.75% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.99 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||||
| 4000061794 | xxx | D | A | D | A | A | A | D | A | Closed | FPRO4876 | 2025-01-23 12:51 | 2025-02-03 12:53 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster area. | Resolved-Per xxx directive, property located outside of immediate impact area. PDI reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-02/03/2025 Ready for Review-Attached is xxx & VVOE showing subject property unaffected by the xxx. Could you please kindly waive the condition ? - Due Diligence Vendor-02/03/2025 Open-Property is located in a xxx and requires a xxx. Property located in xxx. xxx is needed. - Due Diligence Vendor-01/23/2025 |
Resolved-Per xxx directive, property located outside of immediate xxx area. xxx reflects no xxx or impact to marketability and is acceptable - Due Diligence Vendor-02/03/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.75% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.99 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||
| 4000062347 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 4000050738 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 4000064825 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 4000063935 | xxx | D | A | A | A | D | A | A | A | Closed | FCOM1208 | 2025-02-11 16:18 | 2025-03-14 07:12 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Note is Incomplete | Resolved-The Note is Present - Due Diligence Vendor-03/14/2025 Resolved-Corrected Note provided. - Due Diligence Vendor-03/14/2025 Ready for Review-Corrected Note - Due Diligence Vendor-03/12/2025 Counter-Document Uploaded. The Entity Document Lists Company Name as "xxx" however the Note has it spelled as "xxx" - Due Diligence Vendor-03/11/2025 Ready for Review-Client signed Note as LLC AND as Individual - Due Diligence Vendor-02/12/2025 Open-The Note is Incomplete Borrower Entity Name as xxx. All entity documents reflect borrower as xxx. Borrower name on Note is required to be corrected. - Due Diligence Vendor-02/11/2025 |
Resolved-The Note is Present - Due Diligence Vendor-03/14/2025 Resolved-Corrected Note provided. - Due Diligence Vendor-03/14/2025 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 21.9% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 74.63 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.17 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 4000063935 | xxx | D | A | A | A | D | A | A | A | Closed | FCOM1221 | 2025-02-11 16:33 | 2025-03-11 11:19 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Deed of Trust is Incomplete | Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-03/11/2025 Resolved-Correct Mortgage provided along with re-recording information provided. - Due Diligence Vendor-03/11/2025 Ready for Review-Corrected Mortgage/Rider - Due Diligence Vendor-03/11/2025 Counter-Document Uploaded. The Entity Document Lists Company Name as "xxx" however the DOT & Rider has it spelled as "xxx" - Due Diligence Vendor-02/13/2025 Ready for Review-Mortgage reflecting borrower as LLC and individual signing as "Member" - Due Diligence Vendor-02/12/2025 Open-Borrower Entity Name as xxx. All entity documents reflect borrower as xxx. Borrower name to be corrected on the following: -Deed of Trust -1-4 Family Rider - Due Diligence Vendor-02/11/2025 |
Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-03/11/2025 Resolved-Correct Mortgage provided along with re-recording information provided. - Due Diligence Vendor-03/11/2025 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 21.9% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 74.63 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.17 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 4000062351 | xxx | D | A | A | A | A | A | D | A | Closed | FVAL2301 | 2025-02-12 08:32 | 2025-02-21 10:28 | Resolved | 1 - Information | D | A | Property | Missing Doc | Updated Completion Report (442/10040) is missing | Resolved-Document Uploaded. updated appraisal provided with the removal of the damaged patio column verbiage from the original appraiser. - Due Diligence Vendor-02/21/2025 Ready for Review-Please see the updated report - Due Diligence Vendor-02/19/2025 Open-Appraiser states “Subject was completed but the one of the columns of the covered patio was damaged at the time of inspection. Need to be repaired before the closing.” No evidence of repair completion was provided at the time of review. - Due Diligence Vendor-02/12/2025 |
Resolved-Document Uploaded. updated appraisal provided with the removal of the damaged patio column verbiage from the original appraiser. - Due Diligence Vendor-02/21/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 51.47 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.16 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 61.72% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.30 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.30 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||
| 4000059081 | xxx | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2025-02-26 11:58 | 2025-03-12 13:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-HOA provided. - Due Diligence Vendor-03/12/2025 Ready for Review-Please find the attached HOA statement for xxx. - Due Diligence Vendor-03/11/2025 Counter-Property has similar legal description of xxx which would imply being in the same HOA. Please provide the HOA amount. - Due Diligence Vendor-02/28/2025 Ready for Review-Could you please refer to pg.xxx for the property details report which shows that this property is 'Single Family Residential'? Even though it is on the same street as the subject property, proof of SFR would not require a HOA. - Due Diligence Vendor-02/27/2025 Open-Missing verification of HOA payment (or evidence no HOA payment) for investment property located at xxx. The investment property is on same street as subject property, which is a PUD with HOA payment. - Due Diligence Vendor-02/26/2025 |
Resolved-HOA provided. - Due Diligence Vendor-03/12/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.41% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37.3 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.0 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.48 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||
| 4000065355 | xxx | C | A | C | A | A | A | A | A | Closed | FCRE1437 | 2025-02-26 15:26 | 2025-05-01 14:55 | Resolved | 1 - Information | C | A | Credit | Income | Income and Employment Do Not Meet Guidelines | Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-05/01/2025 Resolved-Per AUS: The tax returns must reflect at least 12 months of self-employment income, xxx K1 provided. - Due Diligence Vendor-05/01/2025 Ready for Review-k1 - Due Diligence Vendor-05/01/2025 Open-Income and Employment Do Not Meet Guidelines Per DU under doc pg #xxx / #xxx it states 2 yrs business returns are required for xxx and xxx (loan does not currently meet wavier requirements under #xxx and lender used assets to qualify from business) If businesses are new / opened xxx provide supporting documentation of when opened and provide only 1 yr business return. It appears xxx were just opened in). - Due Diligence Vendor-02/26/2025 |
Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-05/01/2025 Resolved-Per AUS: The tax returns must reflect at least 12 months of self-employment income, xxx K1 provided. - Due Diligence Vendor-05/01/2025 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | xxx | ||||
| 4000061776 | xxx | C | A | C | A | A | A | A | A | Closed | FCRE1437 | 2025-02-27 09:14 | 2025-03-07 10:26 | Resolved | 1 - Information | C | A | Credit | Income | Income and Employment Do Not Meet Guidelines | Resolved- - Due Diligence Vendor-03/07/2025 Ready for Review-Info from branch manager - Due Diligence Vendor-03/06/2025 Counter-Missing required Internet search of xxx (the business) - Due Diligence Vendor-03/04/2025 Ready for Review-Income docs - Due Diligence Vendor-03/03/2025 Open-Income and Employment Do Not Meet Guidelines Missing required Internet search of xxx (the business) or notation on the 1008 if there are not returns when attempting an internet search, for bank statement program doc requirements gl (xxx) - Due Diligence Vendor-02/27/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.72 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 43.21 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.3% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||||
| 4000066008 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 4000067765 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | |||||||||||||||||||
| 4000070086 | xxx | B | B | B | B | A | A | A | A | Closed | FCRE1342 | 2025-04-01 12:16 | 2025-04-08 15:57 | Waived | 2 - Non-Material | B | B | Credit | Missing Doc - Income | Borrower 1 Business Bank Statements Missing | Waived-Guideline exception provided. - Due Diligence Vendor-04/08/2025 Open-Borrower 1 Business Bank Statements Missing Guidelines require CPA prepared P&L + 2 months bank statements. Exception granted, however, the exception is not on an xxx form and signed by an xxx manager. - Due Diligence Vendor-04/08/2025 Waived-Borrower 1 Business Bank Statements Missing Guidelines require CPA prepared P&L + 2 months bank statements. Exception granted - Due Diligence Vendor-04/01/2025 |
Waived-Guideline exception provided. - Due Diligence Vendor-04/08/2025 Waived-Borrower 1 Business Bank Statements Missing Guidelines require CPA prepared P&L + 2 months bank statements. Exception granted - Due Diligence Vendor-04/01/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.01 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.66 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.62% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
LTV IS 60% WELL BELOW MAX, MORE THAN 5% BELOW RESIDUAL INCOME IS OVER $xxx |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx | |||
| 4000070086 | xxx | B | B | B | B | A | A | A | A | Closed | FCRE1440 | 2025-04-01 12:13 | 2025-04-08 15:56 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Document Uploaded. Guideline exception provided. - Due Diligence Vendor-04/08/2025 Open-Housing History Does Not Meet Guideline Requirements Borrower lives rent free with no housing history. Exception granted, however, the exception is not on an xxx form and signed by an xxx manager. - Due Diligence Vendor-04/08/2025 Waived-Housing History Does Not Meet Guideline Requirements Borrower lives rent free with no housing history. - Due Diligence Vendor-04/01/2025 |
Waived-Document Uploaded. Guideline exception provided. - Due Diligence Vendor-04/08/2025 Waived-Housing History Does Not Meet Guideline Requirements Borrower lives rent free with no housing history. - Due Diligence Vendor-04/01/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.01 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.66 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.62% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
LTV IS 60% WELL BELOW MAX, MORE THAN 5% BELOW RESIDUAL INCOME IS OVER $xxx |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx | ||
| 4000060622 | xxx | D | A | D | A | D | A | A | A | Closed | FCRE1161 | 2025-04-01 18:30 | 2025-04-03 13:35 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-04/03/2025 Ready for Review-Flood Cert - Due Diligence Vendor-04/03/2025 Open-Missing Flood Certificate Flood Certificate is Missing - Due Diligence Vendor-04/01/2025 |
Resolved-Flood Certificate is fully present - Due Diligence Vendor-04/03/2025 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 59.46% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | |||
| 4000060622 | xxx | D | A | D | A | D | A | A | A | Closed | FCOM1220 | 2025-04-01 17:34 | 2025-04-03 13:33 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-04/03/2025 Ready for Review-Mortgage - Due Diligence Vendor-04/03/2025 Open-The Deed of Trust is Missing - Due Diligence Vendor-04/01/2025 |
Resolved-The Deed of Trust is Present - Due Diligence Vendor-04/03/2025 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 59.46% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | |||
| 4000060622 | xxx | D | A | D | A | D | A | A | A | Closed | FCOM1229 | 2025-04-01 18:19 | 2025-04-03 13:29 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | 1-4 Family Rider is Missing | Resolved-1-4 Rider provided - Due Diligence Vendor-04/03/2025 Ready for Review-Rider - Due Diligence Vendor-04/03/2025 Open-1-4 Family Rider is Missing on this file. - Due Diligence Vendor-04/01/2025 |
Resolved-1-4 Rider provided - Due Diligence Vendor-04/03/2025 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 59.46% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | |||
| 4000070570 | xxx | D | A | D | A | D | A | C | A | Closed | FPRO9939 | 2025-04-07 05:12 | 2025-05-13 13:39 | Resolved | 1 - Information | C | A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-Desk review provided and value supports the original appraised value within a -10.0% variance. - Due Diligence Vendor-05/13/2025 Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 2.6) - Due Diligence Vendor-05/02/2025 Resolved-Desk review provided. - Due Diligence Vendor-04/16/2025 Ready for Review-CDA - Due Diligence Vendor-04/15/2025 Open- - Due Diligence Vendor-04/09/2025 Rescinded-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 2.6) - Due Diligence Vendor-04/09/2025 |
Resolved-Desk review provided and value supports the original appraised value within a -10.0% variance. - Due Diligence Vendor-05/13/2025 Resolved-Desk review provided. - Due Diligence Vendor-04/16/2025 Rescinded-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 2.6) - Due Diligence Vendor-04/09/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | ||||
| 4000070570 | xxx | D | A | D | A | D | A | C | A | Closed | FCRE1186 | 2025-04-07 05:12 | 2025-05-02 08:01 | Resolved | 1 - Information | A | A | Credit | Eligibility | Audited DTI Exceeds AUS DTI | Resolved-Updated AUS/DU, 1008 & 1003 provided - Due Diligence Vendor-05/02/2025 Ready for Review-DU, 1008, 1003, MEMO - Due Diligence Vendor-05/01/2025 Counter-Document Uploaded. The audited subject rent loss is -xxx however updated AUS reflects -xxx - Audited DTI is 29.77% vs AUS 28.04% - Due Diligence Vendor-04/22/2025 Ready for Review-uw memo and supporting docs - Due Diligence Vendor-04/22/2025 Counter-Document Uploaded. Updated PITIA for xxx however DTI is now 29.77% and AUS approved DTI as 27.92% - 3 xxx tradelines Omitted as they are 30 days accounts. Please see REO worksheet attached - Due Diligence Vendor-04/10/2025 Ready for Review-Provided Appraisal ( HOA Dues) CD, 1st pymt letter and HOI for xxx - Due Diligence Vendor-04/09/2025 Open-Audited DTI of 30.42% exceeds AUS DTI of 27.92% . Unable to verify final DTI, missing PI and hazard insurance payment for investment property at xxx DTI to be recalculated upon receipt of missing documents. - Due Diligence Vendor-04/07/2025 |
Resolved-Updated AUS/DU, 1008 & 1003 provided - Due Diligence Vendor-05/02/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | ||||
| 4000070570 | xxx | D | A | D | A | D | A | C | A | Closed | FCOM1229 | 2025-04-07 01:40 | 2025-04-16 11:09 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | 1-4 Family Rider is Missing | Resolved-The 1-4 Family Rider is Present - Due Diligence Vendor-04/16/2025 Resolved-1-4 Rider provided - Due Diligence Vendor-04/10/2025 Ready for Review-dot with riders - Due Diligence Vendor-04/09/2025 Ready for Review-DOT w/ Riders - Due Diligence Vendor-04/09/2025 Open-1-4 Family Rider is Missing - Due Diligence Vendor-04/09/2025 |
Resolved-The 1-4 Family Rider is Present - Due Diligence Vendor-04/16/2025 Resolved-1-4 Rider provided - Due Diligence Vendor-04/10/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | ||||
| 4000070570 | xxx | D | A | D | A | D | A | C | A | Closed | FCOM1227 | 2025-04-07 01:40 | 2025-04-16 11:09 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | PUD Rider is Missing | Resolved-The PUD Rider is Present or is Not Applicable (Property Type is PUD) - Due Diligence Vendor-04/16/2025 Resolved-PUD Rider provided - Due Diligence Vendor-04/10/2025 Ready for Review-dot with riders - Due Diligence Vendor-04/09/2025 Ready for Review-DOT w Riders - Due Diligence Vendor-04/09/2025 Open-PUD Rider is Missing - Due Diligence Vendor-04/09/2025 |
Resolved-The PUD Rider is Present or is Not Applicable (Property Type is PUD) - Due Diligence Vendor-04/16/2025 Resolved-PUD Rider provided - Due Diligence Vendor-04/10/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | ||||
| 4000070570 | xxx | D | A | D | A | D | A | C | A | Closed | FCRE7497 | 2025-04-09 11:31 | 2025-04-10 10:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Final CD (escrowed for Taxes Only), First Payment Letter (Taxes Only) & HOI Policy Provided for xxx - Due Diligence Vendor-04/10/2025 Ready for Review-CD, 1st pymt letter and HOI - Due Diligence Vendor-04/09/2025 Open-Missing verification of taxes, insurance, and/or HOA fees for non-subject property located at xxx. Please provided Note, Mortgage statement or other acceptable documentation to verify the PI payment $xxx and evidence of tax payment. The borrower purchased the property in xxx, xxx closed the loan. Missing PI payment $xxx (originated with xxx) Missing tax payment Ins $xxx/12 = $xxx p. xxx HOA $xxx/12= $xxx p. xxx Appraisal with 1007 p. xxx - Total PITIA payment TBD- The PITIA payment will be recalculated upon receipt of the missing documents. - Due Diligence Vendor-04/09/2025 |
Resolved-Final CD (escrowed for Taxes Only), First Payment Letter (Taxes Only) & HOI Policy Provided for xxx - Due Diligence Vendor-04/10/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | ||||
| 4000070570 | xxx | D | A | D | A | D | A | C | A | Closed | FCOM1220 | 2025-04-07 00:38 | 2025-04-10 10:51 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-04/10/2025 Ready for Review-DOT with Riders - Due Diligence Vendor-04/09/2025 Ready for Review-DOT with Riders - Due Diligence Vendor-04/09/2025 Open-The Deed of Trust is Missing. The PUD Rider is missing (subject property is a PUD). - Due Diligence Vendor-04/07/2025 |
Resolved-The Deed of Trust is Present - Due Diligence Vendor-04/10/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | ||||
| 4000068632 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||||
| 4000068431 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | |||||||||||||||||||
| 4000070556 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 4000070244 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 4000070389 | xxx | D | A | D | A | C | A | A | A | Closed | FCRE1482 | 2025-04-10 06:52 | 2025-05-20 11:07 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 4 Does Not Meet Guideline Requirements | Resolved-Summary plan description provided for xxx accounts related to the two assets. No further docs needed. - Due Diligence Vendor-05/20/2025 Counter-The Document provided is a Summary Plan Description and the Condition is requesting the xxx #xxx & #xxx accounts - Due Diligence Vendor-05/16/2025 Ready for Review-xxx statements - Due Diligence Vendor-05/15/2025 Counter-Document Uploaded. Final 1003 for Both borrowers reflect a xxx account xxx #xxx & #xxx - If Funds are no longer being used, an Updated 1003 is needed. - Due Diligence Vendor-04/18/2025 Ready for Review-LOE from UW - Due Diligence Vendor-04/17/2025 Open-Asset 4 Does Not Meet Guideline Requirements Asset 4 is xxx funds for that proof of documents are missing. - Due Diligence Vendor-04/10/2025 |
Resolved-Summary plan description provided for xxx accounts related to the two assets. No further docs needed. - Due Diligence Vendor-05/20/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.97 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.42 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.66 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.7 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||
| 4000070389 | xxx | D | A | D | A | C | A | A | A | Closed | FCRE1483 | 2025-04-10 06:52 | 2025-05-20 11:07 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 5 Does Not Meet Guideline Requirements | Resolved-Summary plan description provided for xxx accounts related to the two assets. No further docs needed. - Due Diligence Vendor-05/20/2025 Counter-The Document provided is a Summary Plan Description and the Condition is requesting the xxx #xxx & #xxx accounts - Due Diligence Vendor-05/16/2025 Ready for Review-LOE xxx from UW for xxx - Due Diligence Vendor-05/15/2025 Counter-Document Uploaded. Final 1003 for Both borrowers reflect a xxx account xxx #xxx & #xxx - If Funds are no longer being used, an Updated 1003 & 1008 is needed. - Due Diligence Vendor-04/18/2025 Ready for Review-LOE from UW - Due Diligence Vendor-04/17/2025 Open-Asset 5 Does Not Meet Guideline Requirements Asset 5 is xxx funds for that proof of documents are missing. - Due Diligence Vendor-04/10/2025 |
Resolved-Summary plan description provided for xxx accounts related to the two assets. No further docs needed. - Due Diligence Vendor-05/20/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.97 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.42 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.66 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.7 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||
| 4000070389 | xxx | D | A | D | A | C | A | A | A | Closed | FCOM1797 | 2025-04-10 11:38 | 2025-04-15 08:23 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-SPL received, data entered, no additional compliance findings. - Due Diligence Vendor-04/15/2025 Ready for Review-SSPL - Due Diligence Vendor-04/14/2025 Open-SSPL missing - Due Diligence Vendor-04/10/2025 |
Resolved-SPL received, data entered, no additional compliance findings. - Due Diligence Vendor-04/15/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.97 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.42 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.66 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.7 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||
| 4000070389 | xxx | D | A | D | A | C | A | A | A | Closed | finding-3631 | 2025-04-10 11:38 | 2025-04-15 08:22 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-SPL received, data entered, no additional compliance findings. - Due Diligence Vendor-04/15/2025 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/15/2025 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.*** Written Service Provider List has not been provided. All title charges tested at 10%. Please provided SPL or 10% tolerance cure. - Due Diligence Vendor-04/14/2025 |
Resolved-SPL received, data entered, no additional compliance findings. - Due Diligence Vendor-04/15/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.97 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.42 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.66 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.7 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||||
| 4000070389 | xxx | D | A | D | A | C | A | A | A | Closed | finding-3632 | 2025-04-10 11:38 | 2025-04-15 08:22 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-SPL received, data entered, no additional compliance findings. - Due Diligence Vendor-04/15/2025 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/15/2025 Ready for Review-Compliance Report Pass - Due Diligence Vendor-04/14/2025 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations.****Written Service Provider List has not been provided. All title charges tested at 10%. Please provided SPL or 10% tolerance cure. - Due Diligence Vendor-04/14/2025 |
Resolved-SPL received, data entered, no additional compliance findings. - Due Diligence Vendor-04/15/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.97 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.42 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.66 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.7 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||
| 4000070389 | xxx | D | A | D | A | C | A | A | A | Closed | finding-3635 | 2025-04-10 11:38 | 2025-04-15 08:22 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-SPL received, data entered, no additional compliance findings. - Due Diligence Vendor-04/15/2025 Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($xxx) exceed the comparable charges ($xxx) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-04/15/2025 Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($xxx) exceed the comparable charges ($xxx) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). **** Written Service Provider List has not been provided. All title charges tested at 10%. Please provided SPL or 10% tolerance cure. - Due Diligence Vendor-04/14/2025 |
Resolved-SPL received, data entered, no additional compliance findings. - Due Diligence Vendor-04/15/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.97 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.42 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.66 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.7 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||||
| 4000070389 | xxx | D | A | D | A | C | A | A | A | Closed | FCRE7497 | 2025-04-10 07:53 | 2025-04-14 15:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Mortgage statements provided for the following properties: xxx. - xxx. - xxx. & xxx - All 4 properties are escrowed for taxes & insurance. - Due Diligence Vendor-04/14/2025 Ready for Review-REO docs for xxx, xxx, xxx and xxx - Due Diligence Vendor-04/14/2025 Open-Missing verification of taxes, insurance, and/or HOA fees for these properties: 1. xxx. 2.xxx. 3xxx. 4.xxx., For these properties mortgage statements also missing. - Due Diligence Vendor-04/10/2025 |
Resolved-Mortgage statements provided for the following properties: xxx. - xxx. - xxx. & xxx - All 4 properties are escrowed for taxes & insurance. - Due Diligence Vendor-04/14/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.97 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.42 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.66 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.7 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||
| 4000070389 | xxx | D | A | D | A | C | A | A | A | Closed | FCRE1253 | 2025-04-10 04:35 | 2025-04-14 15:17 | Resolved | 1 - Information | C | A | Credit | Eligibility | Missing Property Tax Cert | Resolved-Property Tax Cert Provided - Due Diligence Vendor-04/14/2025 Ready for Review-TIS docs - Due Diligence Vendor-04/14/2025 Open-Missing Property Tax Cert Property tax certification is missing for subject property. - Due Diligence Vendor-04/10/2025 |
Resolved-Property Tax Cert Provided - Due Diligence Vendor-04/14/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.97 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.42 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.66 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.7 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||
| 4000070389 | xxx | D | A | D | A | C | A | A | A | Closed | FCRE6019 | 2025-04-10 04:22 | 2025-04-14 15:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-04/14/2025 Ready for Review-resident alien cards both - Due Diligence Vendor-04/14/2025 Open-Borrower 1 Citizenship Documentation Is Missing Borrower1 is permanent resident alien for that proof of documents are missing. - Due Diligence Vendor-04/10/2025 |
Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-04/14/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.97 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.42 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.66 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.7 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||
| 4000070389 | xxx | D | A | D | A | C | A | A | A | Closed | FCRE6914 | 2025-04-10 04:22 | 2025-04-14 15:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Borrower 2 Citizenship Documentation Not Provided | Resolved-Borrower 2 Citizenship Documentation Provided or Not Required (Number of Borrowers equals 2 Borrower 2 Residency Doc Locator is Present) - Due Diligence Vendor-04/14/2025 Ready for Review-xxx DLs both - Due Diligence Vendor-04/14/2025 Open-Borrower 2 Citizenship Documentation Is Missing (Number of Borrowers equals 2 Borrower 2 Residency Doc Locator is Missing) Borrower2 is permanent resident alien for that proof of documents are missing. - Due Diligence Vendor-04/10/2025 |
Resolved-Borrower 2 Citizenship Documentation Provided or Not Required (Number of Borrowers equals 2 Borrower 2 Residency Doc Locator is Present) - Due Diligence Vendor-04/14/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.97 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.42 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.66 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.7 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||
| 4000070526 | xxx | D | A | D | A | A | A | A | A | Closed | FCRE2109 | 2025-04-14 10:33 | 2025-05-01 09:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-05/01/2025 Ready for Review-missing income wrksht pages - Due Diligence Vendor-04/30/2025 Counter-Missing the additional pages showing all 12 months of total deposits and the break down of all excluded deposits used to qualify the income on both sets of businesses. - Due Diligence Vendor-04/25/2025 Ready for Review-income wrkshts, LOX and uw memo - Due Diligence Vendor-04/24/2025 Counter-Missing the Lenders Full Breakdown of deposits/excluded deposits worksheet - Due Diligence Vendor-04/16/2025 Ready for Review-income wrksht - Due Diligence Vendor-04/15/2025 Open-Missing Lender Worksheet or Bank Statement Summary Provide income worksheets for both bank statement accounts as they were not provided at the time of review as required to support $xxx and $xxx per month. - Due Diligence Vendor-04/14/2025 |
Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-05/01/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.58 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.39% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 231.24 Are Greater Than The Guideline Minimum Of 35.48 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | |||
| 4000068071 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||||
| 4000067693 | xxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor GSE Temporary (GSE SH) | QM: Safe Harbor GSE Temporary (GSE SH) | xxx | xxx | Second Home | Purchase | NA | |||||||||||||||||||
| 4000068054 | xxx | D | A | C | A | D | A | A | A | Closed | FCOM8844 | 2025-04-15 16:01 | 2025-05-07 15:59 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Evidence of Business Purpose use of Proceeds | Resolved-Business Purpose & Occupancy Affidavit provided. - Due Diligence Vendor-05/07/2025 Resolved-Business Purpose Disclosure or letter from borrower is Present. - Due Diligence Vendor-05/07/2025 Ready for Review-Executed Affidavit - Due Diligence Vendor-05/06/2025 Open-Missing xxx business purpose affidavit. - Due Diligence Vendor-04/15/2025 |
Resolved-Business Purpose & Occupancy Affidavit provided. - Due Diligence Vendor-05/07/2025 Resolved-Business Purpose Disclosure or letter from borrower is Present. - Due Diligence Vendor-05/07/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 92.49 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | |||
| 4000068054 | xxx | D | A | C | A | D | A | A | A | Closed | FCRE1193 | 2025-04-15 16:19 | 2025-04-25 11:50 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 48.61% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-04/25/2025 Ready for Review-Updated Income worksheet , 1008 and 1003 - Due Diligence Vendor-04/24/2025 Open-Audited DTI of 50.54% exceeds Guideline DTI of 50% DTI variance due to lender giving borrower rental income for subject property. Primary use of property is to visit family and friends in the local area per explanation letter in file. 50% max allowable per guides unless property is a primary residence. No exception in file. - Due Diligence Vendor-04/15/2025 |
Resolved-Audited DTI of 48.61% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-04/25/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 92.49 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | |||
| 4000069997 | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1159 | 2025-04-21 14:28 | 2025-05-05 12:02 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Processor Cert provided stating: On xxx, I contacted xxx, the insurance agent for the above referenced property. He verified that there have been no claims on the property to this date. - Due Diligence Vendor-05/05/2025 Ready for Review-per xxx xxx cert attached - Due Diligence Vendor-05/05/2025 Counter-Provided an Approved Investor Exception - Due Diligence Vendor-04/25/2025 Ready for Review-Please see insurance agency LOX and advise is an exception can be made for 1 day or advise what alternative documentation will be required - Due Diligence Vendor-04/24/2025 Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx Disbursement date is xxx however Policy Effective date runs from xxx and expires on xxx - Due Diligence Vendor-04/21/2025 |
Resolved-Processor Cert provided stating: On xxx, I contacted xxx, the insurance agent for the above referenced property. He verified that there have been no claims on the property to this date. - Due Diligence Vendor-05/05/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | ||||
| 4000069997 | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1158 | 2025-04-16 10:18 | 2025-04-21 14:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-04/21/2025 Ready for Review-hoi - Due Diligence Vendor-04/21/2025 Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. Policy Number missing in the provided Hazard Insurance pg xxx. Please provide the corrected Hazard Insurance with Policy Number listed - Due Diligence Vendor-04/16/2025 |
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-04/21/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | ||||
| 4000068378 | xxx | D | A | C | A | D | A | A | A | Closed | FCOM6722 | 2025-04-18 19:48 | 2025-05-01 08:55 | Resolved | 1 - Information | C | A | Compliance | Closing Package | Mortgage not properly executed | Resolved-Scriv aff provided is sufficient. Thank you. - Due Diligence Vendor-05/01/2025 Ready for Review-affidavit - Due Diligence Vendor-04/30/2025 Open-********The Notary date has not been completed in the Security Instrument - Due Diligence Vendor-04/18/2025 |
Resolved-Scriv aff provided is sufficient. Thank you. - Due Diligence Vendor-05/01/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 48.29 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 24.66 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.55% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | xxx | |||
| 4000068378 | xxx | D | A | C | A | D | A | A | A | Closed | FCRE2994 | 2025-04-18 14:24 | 2025-04-27 09:55 | Resolved | 1 - Information | C | A | Credit | Eligibility | DTI (Back) Ratio does not meet eligibility requirement(s) | Resolved-Updated 1008 Provided. - Due Diligence Vendor-04/27/2025 Ready for Review-I found the disconnect. My final 1008 had higher taxes. They reduced the taxes after I CTC’d the loan. here is an updated 1008 that should match - Due Diligence Vendor-04/25/2025 Open-DTI variance Back End 1008 42.794% included a higher monthly Tax amount that does not match FCD Tax amount collected monthly, Audit produced - Due Diligence Vendor-04/18/2025 |
Resolved-Updated 1008 Provided. - Due Diligence Vendor-04/27/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 48.29 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 24.66 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.55% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | xxx | |||
| 4000068378 | xxx | D | A | C | A | D | A | A | A | Closed | FCOM1233 | 2025-04-18 13:58 | 2025-04-27 09:28 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Final 1003 is Incomplete | Resolved- - Due Diligence Vendor-04/27/2025 Ready for Review-updated 1003 - Due Diligence Vendor-04/25/2025 Open-The Final 1003 is Incomplete B2 F1003 section 7 was not completed. - Due Diligence Vendor-04/18/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 48.29 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 24.66 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.55% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | xxx | ||||
| 4000068378 | xxx | D | A | C | A | D | A | A | A | Closed | FCOM1621 | 2025-04-17 06:43 | 2025-04-27 09:27 | Resolved | 1 - Information | B | A | Compliance | Missing Doc - Federal Disclosure | Initial Escrow Account Disclosure is Missing | Resolved-Initial Escrow Account Disclosure is Resolved - Due Diligence Vendor-04/27/2025 Ready for Review-IEAD - Due Diligence Vendor-04/25/2025 Open-Initial Escrow Account Disclosure is Missing - Due Diligence Vendor-04/17/2025 |
Resolved-Initial Escrow Account Disclosure is Resolved - Due Diligence Vendor-04/27/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 48.29 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 24.66 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.55% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | xxx | |||
| 4000067942 | xxx | C | A | C | A | A | A | A | A | Closed | FCRE1186 | 2025-04-17 03:06 | 2025-05-01 14:18 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds AUS DTI | Resolved-Updated AUS Approved/Eligible provided. - Due Diligence Vendor-05/01/2025 Ready for Review-revised DU - Due Diligence Vendor-05/01/2025 Open-Audited DTI of 15.9% exceeds AUS DTI of 9.07% In need of new AUS. 1008 which is correct per review shows housing ratio in line with review of 6.332% and total dti ratio of 15.402%. AUS shows no housing ratio (0%) and a total DTI ratio of $9.07%. - Due Diligence Vendor-04/17/2025 |
Resolved-Updated AUS Approved/Eligible provided. - Due Diligence Vendor-05/01/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | ||||
| 4000067913 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | |||||||||||||||||||
| 4000071195 | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1472 | 2025-04-24 14:09 | 2025-04-25 12:06 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 6 Missing | Resolved-Asset 6 Provided Or Not Applicable - Due Diligence Vendor-04/25/2025 Ready for Review-1031 Exchange proceeds relinquished property xxx - Due Diligence Vendor-04/24/2025 Open-Asset 6 Missing Provide final seller statement to evidence net proceeds of $xxx as listed on the final 1003. Application does not state which property is being sold, nor does the UW approval and there are no documents in the file for the sale. - Due Diligence Vendor-04/24/2025 |
Resolved-Asset 6 Provided Or Not Applicable - Due Diligence Vendor-04/25/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.25 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.4 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | |||
| 4000074339 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 4000074252 | xxx | B | B | B | B | A | A | A | A | Closed | FCRE3874 | 2025-04-24 01:30 | 2025-04-25 10:39 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived-Primary Value Valuation Neighborhood Location Not Allowed for Program Lender exception approved (page xxx) for rural property. - Due Diligence Vendor-04/24/2025 | Waived-Primary Value Valuation Neighborhood Location Not Allowed for Program Lender exception approved (page xxx) for rural property. - Due Diligence Vendor-04/24/2025 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16.16 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 121.54 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.20 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 47.01% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |
LTV 48% FICO xxx > 6 months reserves |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxx | |||
| 4000072297 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 4000074323 | xxx | C | B | C | B | A | A | A | A | Closed | FCRE8201 | 2025-05-02 16:15 | 2025-05-19 13:09 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Approved Investor Exception: Interest only for first time home buyer - Due Diligence Vendor-05/19/2025 Ready for Review-Please see the correct exception approved form for this loan. Thank you! :) - Due Diligence Vendor-05/16/2025 Ready for Review-Sorry for the confusion, wrong form has been provided and the correct form is under review. I will provide once it is ready. Thank you. - Due Diligence Vendor-05/15/2025 Counter-Document Uploaded. the Approved Exception that was provided is for the Loan amount and does not address the hard lock requirements disallow a first time home buyer to close with interest only feature to note. - Due Diligence Vendor-05/13/2025 Ready for Review-We have made a exception request to the investor and the request has been approved. Please see the attached approval form. Thank you! - Due Diligence Vendor-05/12/2025 Open-Loan is ineligible for purchase without removal of interest only feature and updated lock with interest only removed, or approved xxx exception. xxx hard lock requirements disallow a first time home buyer to close with interest only feature to note. - Due Diligence Vendor-05/02/2025 |
Waived-Approved Investor Exception: Interest only for first time home buyer - Due Diligence Vendor-05/19/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.71 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.82% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.85 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
Fico xxx Borrower's income has enough repayment ability |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxx | ||
| 4000074323 | xxx | C | B | C | B | A | A | A | A | Closed | FCRE1159 | 2025-04-23 20:17 | 2025-04-28 10:42 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-04/28/2025 Ready for Review-Please see the updated POST CD with corresponding FSS for the correct Disbursement Date - Due Diligence Vendor-04/28/2025 Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx - Due Diligence Vendor-04/24/2025 |
Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-04/28/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.71 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.82% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.85 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||
| 4000068303 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 4000070519 | xxx | C | A | C | A | A | A | A | A | Closed | FCRE1176 | 2025-04-23 14:39 | 2025-04-30 13:47 | Resolved | 1 - Information | C | A | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Resolved-Final CD disbursement date is xxx - Due Diligence Vendor-04/30/2025 Ready for Review-EOI - Due Diligence Vendor-04/29/2025 Open-HO-6 Insurance Policy Effective Date of xxx is after the Note Date of xxx - Due Diligence Vendor-04/23/2025 |
Resolved-Final CD disbursement date is xxx - Due Diligence Vendor-04/30/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 87.79 Are Greater Than The Guideline Minimum Of 13 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.03 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 48.92% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.5 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | xxx | |||
| 4000074567 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 4000073149 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 4000073578 | xxx | C | A | A | A | C | A | A | A | Closed | finding-3712 | 2025-04-25 21:53 | 2025-04-30 06:41 | Resolved | 1 - Information | C | A | Compliance | State Reg | CA Per Diem Interest Amount Test | Resolved-xxx per diem disclosure provided is sufficient. Thank you. - Due Diligence Vendor-04/30/2025 Ready for Review-Please see attached updated per diem disclosure - Due Diligence Vendor-04/29/2025 Open-This loan failed the per diem interest amount test. (xxx Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan ($xxx) exceeds the per diem interest charge or credit threshold ($xxx).PLEASE NOTE: An additional $xxx buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. - Due Diligence Vendor-04/26/2025 |
Resolved-xxx per diem disclosure provided is sufficient. Thank you. - Due Diligence Vendor-04/30/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.18 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||
| 4000073289 | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1202 | 2025-04-26 14:20 | 2025-04-30 10:20 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-04/30/2025 Ready for Review-Please see attached Updated Fraud Report - Due Diligence Vendor-04/29/2025 Open-Third Party Fraud Report Partially Provided Complete Fraud Report missing. - Due Diligence Vendor-04/26/2025 |
Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-04/30/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.07 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.98% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.10 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||
| 4000073783 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | |||||||||||||||||||
| 4000073294 | xxx | D | A | D | A | A | A | A | A | Closed | FCRE6019 | 2025-04-25 08:01 | 2025-04-28 10:20 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-Drivers License provided for both borrowers. - Due Diligence Vendor-04/28/2025 Ready for Review-Please see attached file. Thank you. - Due Diligence Vendor-04/28/2025 Open-Borrower 1 Citizenship Documentation Is Missing Not Provided - Due Diligence Vendor-04/25/2025 |
Resolved-Drivers License provided for both borrowers. - Due Diligence Vendor-04/28/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 53.03% Is Below The Guideline Maximum Of 65% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 54.41 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx | |||
| 4000067021 | xxx | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2025-04-29 10:36 | 2025-05-01 08:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-2nd Lien (HELOC) located on CBR - also a property report provided. - Due Diligence Vendor-05/01/2025 Ready for Review-Evidence 2nd lien HELOC is attached to xxx property - Due Diligence Vendor-04/30/2025 Open-Missing 2nd lien mortgage statement from xxx on xxx property. - Due Diligence Vendor-04/29/2025 |
Resolved-2nd Lien (HELOC) located on CBR - also a property report provided. - Due Diligence Vendor-05/01/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.98 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 51.02% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx | |||
| 4000070728 | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1157 | 2025-04-28 09:55 | 2025-05-01 13:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-05/01/2025 Ready for Review-Insurance - Due Diligence Vendor-05/01/2025 Open-Missing Hazard Insurance Policy . Provide subject insurance policy showing adequate coverage with premium of $xxx annually/$xxx per month as used to approve. - Due Diligence Vendor-04/28/2025 |
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-05/01/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 37 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.22% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 48.65 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx | |||
| 4000071918 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 4000069412 | xxx | C | A | A | A | C | A | A | A | Closed | FCOM3959 | 2025-04-28 01:43 | 2025-04-30 07:20 | Resolved | 1 - Information | C | A | Compliance | TRID | Final CD: Other Disclosure Section (page 5) is incomplete | Resolved-Page xxx provided. - Due Diligence Vendor-04/30/2025 Ready for Review-All pages of Closing Disclosure - Due Diligence Vendor-04/29/2025 Open-Final CD page #xxx has missing in the file. - Due Diligence Vendor-04/28/2025 |
Resolved-Page xxx provided. - Due Diligence Vendor-04/30/2025 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.5 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.2 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | |||
| 4000074340 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 4000071455 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 4000073147 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 4000067263 | xxx | D | A | A | A | D | A | A | A | Closed | FCOM1208 | 2025-04-30 09:26 | 2025-05-01 11:52 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Note is Incomplete | Resolved-The Note is Present - Due Diligence Vendor-05/01/2025 Ready for Review-All pages of Note - Due Diligence Vendor-04/30/2025 Open-The Note is Incomplete Page xxx of xxx of the Note is cut off. Provide full page. - Due Diligence Vendor-04/30/2025 |
Resolved-The Note is Present - Due Diligence Vendor-05/01/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | |||
| 4000072231 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 4000073455 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 4000072846 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | |||||||||||||||||||
| 4000072414 | xxx | B | A | A | A | B | A | A | A | Closed | FCOM1621 | 2025-04-29 07:35 | 2025-04-30 07:43 | Resolved | 1 - Information | B | A | Compliance | Missing Doc - Federal Disclosure | Initial Escrow Account Disclosure is Missing | Resolved-Initial Escrow Account Disclosure is Resolved - Due Diligence Vendor-04/30/2025 Ready for Review-IEAD WITH INITIAL UPLOAD, Pase advise as to specifics - Due Diligence Vendor-04/30/2025 Open-Initial Escrow Account Disclosure is Missing Page xxx - Due Diligence Vendor-04/29/2025 |
Resolved-Initial Escrow Account Disclosure is Resolved - Due Diligence Vendor-04/30/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 46.34% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 89.94 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 4000074910 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 4000071837 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 4000074884 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 4000074429 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | |||||||||||||||||||
| 4000073151 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||||
| 4000073154 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | |||||||||||||||||||
| 4000073067 | xxx | C | A | C | A | A | A | C | A | Closed | FVAL9739 | 2025-05-01 15:54 | 2025-05-09 14:20 | Resolved | 1 - Information | C | A | Property | Appraisal | Property/Appraisal General | Resolved-The amout of $xxx/month was determined by diligence to be an error in the originator system which ultimately brings the PITIA down and no implication to any of the closing docs. - Due Diligence Vendor-05/09/2025 Ready for Review-That is a system glitch , there is no other fees - Due Diligence Vendor-05/09/2025 Counter-xxx statement provided however condition states Missing verification of subject Other Monthly payment of $xxx. - Due Diligence Vendor-05/08/2025 Ready for Review-Please see attached - Due Diligence Vendor-05/07/2025 Open-Missing verification of subject Other Monthly payment of $xxx. - Due Diligence Vendor-05/01/2025 |
Resolved-The amout of $xxx/month was determined by diligence to be an error in the originator system which ultimately brings the PITIA down and no implication to any of the closing docs. - Due Diligence Vendor-05/09/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.66 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 17.38% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||
| 4000073067 | xxx | C | A | C | A | A | A | C | A | Closed | FCRE1198 | 2025-05-01 16:34 | 2025-05-09 14:19 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of xxx are greater than or equal to Guideline Required Reserves of 6. An additional $xxx/month was included in the PITIA at qualification. That amount was an error on the originator that did not exist. - Due Diligence Vendor-05/09/2025 Ready for Review-Six months reserves =$xxx Current reserves are $xxx also mentioned on the conditions and that's covers xxx reserves. Please review and clear the condition - Due Diligence Vendor-05/09/2025 Counter-Updated xxx Account statement provided however Reserves are still short by -$xxx - xxx Months = $xxx - Verified Assets $xxx - CTC $xxx - leaving $xxx - Due Diligence Vendor-05/08/2025 Ready for Review-Please see attached - Due Diligence Vendor-05/07/2025 Open-Audited Reserves of xxx are less than Guideline Required Reserves of 6 Verified Assets $xxx is xxx #xxx dated xxx. Required Funds to Close $xxx + 6 months required reserves ($xxx*6=) $xxx. Total funds required for closing $xxx. Short funds for reserves of ($xxx) - Due Diligence Vendor-05/01/2025 |
Resolved-Audited Reserves of xxx are greater than or equal to Guideline Required Reserves of 6. An additional $xxx/month was included in the PITIA at qualification. That amount was an error on the originator that did not exist. - Due Diligence Vendor-05/09/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.66 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 17.38% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||
| 4000073152 | xxx | C | A | A | A | C | A | A | A | Closed | finding-3712 | 2025-05-01 01:02 | 2025-05-06 08:29 | Resolved | 1 - Information | C | A | Compliance | State Reg | CA Per Diem Interest Amount Test | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-05/06/2025 Ready for Review-Please see attached file. Thank you very much. - Due Diligence Vendor-05/06/2025 Open-This loan failed the per diem interest amount test. (xxx Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan ($xxx) exceeds the per diem interest charge or credit threshold ($xxx).PLEASE NOTE: An additional $xxx buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. - Due Diligence Vendor-05/01/2025 |
Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-05/06/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.15 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.7% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||
| 4000074110 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 4000073814 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 4000074312 | xxx | C | A | C | A | A | A | A | A | Closed | FCRE1159 | 2025-05-02 16:59 | 2025-05-05 12:20 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-05/05/2025 Ready for Review-Please see post cd. Thank you! - Due Diligence Vendor-05/05/2025 Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx Effective date of HOI is after funding date. - Due Diligence Vendor-05/02/2025 |
Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-05/05/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 54.96 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.7% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.07 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||
| 4000073158 | xxx | C | A | C | A | A | A | A | A | Closed | FCRE1198 | 2025-05-02 17:27 | 2025-05-06 08:40 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of xxx are greater than or equal to Guideline Required Reserves of 0 - Due Diligence Vendor-05/06/2025 Ready for Review-Could you please review the provided guideline? For Primary/Second Home - Loan amount up to $xxx, with LTV 75 or less requires no reserves. The loan amount and LTV qualifies the no reserves. Could you please kindly waive the condition? - Due Diligence Vendor-05/06/2025 Open-Audited Reserves of xxx are less than Guideline Required Reserves of 6 Required reserves $xxx. Available post close $xxx. Shortage of $xxx. - Due Diligence Vendor-05/02/2025 |
Resolved-Audited Reserves of xxx are greater than or equal to Guideline Required Reserves of 0 - Due Diligence Vendor-05/06/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.98% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 54.2% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx | ||||
| 4000073135 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 4000070767 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 4000071386 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 4000074150 | xxx | D | A | A | A | D | A | A | A | Closed | FCOM2630 | 2025-05-02 06:00 | 2025-05-06 09:43 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - State Disclosure | Attorney Preference Letter missing or unexecuted | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-05/06/2025 Ready for Review-Please see attached. - Due Diligence Vendor-05/05/2025 Open-Right To Choose Attorney or Attorney Preference Not In File ******* Please provide entire initial disclosure package for review - Due Diligence Vendor-05/04/2025 |
Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-05/06/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.52% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||
| 4000074426 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||||
| 4000074160 | xxx | C | A | C | A | A | A | A | A | Closed | FCRE1198 | 2025-05-04 14:08 | 2025-05-07 12:36 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of xxx are greater than or equal to Guideline Required Reserves of 0 - Due Diligence Vendor-05/07/2025 Ready for Review-Base loan is xxx. Please see attached snap reserves guideline tied to this program, indicating no reserves required. Thank you. - Due Diligence Vendor-05/06/2025 Open-Audited Reserves of xxx are less than Guideline Required Reserves of 6 - Due Diligence Vendor-05/04/2025 |
Resolved-Audited Reserves of xxx are greater than or equal to Guideline Required Reserves of 0 - Due Diligence Vendor-05/07/2025 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.18% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||
| 4000074303 | xxx | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2025-05-02 13:36 | 2025-05-11 10:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-HOI Policy provided. - Due Diligence Vendor-05/11/2025 Ready for Review-Hello, please find attached and clear the condition. - Due Diligence Vendor-05/08/2025 Open-Investment Property #xxx is provided HOI document but premium amount is not available in the file. - Due Diligence Vendor-05/02/2025 |
Resolved-HOI Policy provided. - Due Diligence Vendor-05/11/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29.6 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.02 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.14 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.24% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx | |||
| 4000074303 | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1503 | 2025-05-02 13:33 | 2025-05-06 08:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Mortgage statement (Not escrowed) Property report & HOI Policy provided. - Due Diligence Vendor-05/06/2025 Ready for Review-Hello, please review the document and clear the condition. - Due Diligence Vendor-05/06/2025 Open-Missing verification of taxes and insurance and/or mortgage statement for xxx. CBR supplement in file for xxx. - Due Diligence Vendor-05/02/2025 |
Resolved-Mortgage statement (Not escrowed) Property report & HOI Policy provided. - Due Diligence Vendor-05/06/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29.6 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.02 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.14 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.24% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx | |||
| 4000074303 | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1158 | 2025-05-05 07:04 | 2025-05-06 08:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-05/06/2025 Ready for Review-Please refer to page xxx of the closing package, which indicates that the Living Area is xxxxx SF. The RCE reflects the entire property. Or could you kindly clarify where the xxxxx SF is referenced? Additionally, the EOI includes a dwelling with a fire hazard. It shows "Dwelling Fire" with "Dwelling". Please review and waive the condition. - Due Diligence Vendor-05/06/2025 Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. Missing hazard insurance and RCE for entire property. RCE in file is for a xxxxx sq ft home. 1003 states xxxx square feet home. Additionally hazard is for fire hazard only. - Due Diligence Vendor-05/05/2025 |
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-05/06/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29.6 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.02 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.14 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.24% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx | ||||
| 4000074414 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 4000073950 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | |||||||||||||||||||
| 4000073120 | xxx | D | A | D | A | B | A | A | A | Closed | FCOM3075 | 2025-05-01 18:06 | 2025-05-13 05:51 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | US Patriot Act Disclosure or ID missing or unexecuted | Resolved- - Due Diligence Vendor-05/13/2025 Ready for Review-Per xxx it was a typo error. Borrower is a US citizen. Please see attached passport. Thank you very much. - Due Diligence Vendor-05/12/2025 Open-Borrower is Permanent Resident Alien but PR card is missing in the loan package . - Due Diligence Vendor-05/01/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.89% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 49.89% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.64 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||||
| 4000073120 | xxx | D | A | D | A | B | A | A | A | Closed | FCRE6019 | 2025-05-05 13:18 | 2025-05-13 05:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-05/13/2025 Ready for Review-Per xxx it was a typo error. Borrower is a US citizen. Please see attached passport. Thank you very much. - Due Diligence Vendor-05/12/2025 Open-Borrower 1 Citizenship Documentation Is Missing Missing Permanent Resident Alien Visa or Green Card to determine nation of origin. (as seen on 1003) (maybe duplicate with other compliance Patriot Act exception) - Due Diligence Vendor-05/05/2025 |
Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-05/13/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.89% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 49.89% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.64 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||
| 4000073120 | xxx | D | A | D | A | B | A | A | A | Closed | FCRE5116 | 2025-05-05 13:49 | 2025-05-08 11:46 | Resolved | 1 - Information | D | A | Credit | Missing Doc | VOM or VOR missing/required | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-05/08/2025 Ready for Review-Please see attached file. Thank you. - Due Diligence Vendor-05/06/2025 Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing VOR or Living rent free letter. - Due Diligence Vendor-05/05/2025 |
Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-05/08/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.89% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 49.89% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.64 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||
| 4000073170 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 4000072445 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Refinance | Cash Out - Other | |||||||||||||||||||
| 4000069614 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | |||||||||||||||||||
| 4000071528 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||||
| 4000071299 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||||
| 4000073669 | xxx | D | A | A | A | D | A | A | A | Closed | FCOM1232 | 2025-05-05 04:40 | 2025-05-06 15:29 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-05/06/2025 Ready for Review-Document Uploaded. - Seller-05/06/2025 Open-The Final 1003 is Missing . Provide executed final application from the time of closing. At the time of review only the initial executed 1003 was provided with multiple unexecuted applications. - Due Diligence Vendor-05/05/2025 |
Ready for Review-Document Uploaded. - Seller-05/06/2025 |
Resolved-The Final 1003 is Present - Due Diligence Vendor-05/06/2025 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 69.95% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 22.25 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 18.95% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21.83 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.6 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 4000073918 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 4000075516 | xxx | D | A | D | A | A | A | D | A | Closed | FPRO1242 | 2025-05-05 15:52 | 2025-05-09 10:28 | Resolved | 1 - Information | D | A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-05/09/2025 Ready for Review-Please see attached. - Due Diligence Vendor-05/07/2025 Open-Appraisal is Missing Full Appraisal is Missing - Due Diligence Vendor-05/05/2025 |
Resolved-Appraisal has been provided - Due Diligence Vendor-05/09/2025 |
xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||||
| 4000075516 | xxx | D | A | D | A | A | A | D | A | Closed | FCRE1143 | 2025-05-05 15:52 | 2025-05-09 10:28 | Resolved | 1 - Information | C | A | Credit | Eligibility | Builder is in control of HOA | Resolved-The Builder is not in control of the HOA, or Not Applicable - Due Diligence Vendor-05/09/2025 Ready for Review-The control of HOA has been turned over to the owners from the builder already per HOA Questionnaire (see attached, which was previously shipped to you already). Where did you find the info that the builder is still in control? - Due Diligence Vendor-05/07/2025 Open-The Builder is in control of the HOA per HOA questionaire - Due Diligence Vendor-05/05/2025 |
Resolved-The Builder is not in control of the HOA, or Not Applicable - Due Diligence Vendor-05/09/2025 |
xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||||
| 4000075516 | xxx | D | A | D | A | A | A | D | A | Closed | FCRE1184 | 2025-05-07 10:02 | 2025-05-09 10:11 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Approval Info | AUS Not Provided | Resolved-AUS Findings Report is fully present - Due Diligence Vendor-05/09/2025 Ready for Review-Please see attached. - Due Diligence Vendor-05/07/2025 Open-Missing AUS Findings Report Missing AUS DU not in file. case # xxx - Due Diligence Vendor-05/07/2025 |
Resolved-AUS Findings Report is fully present - Due Diligence Vendor-05/09/2025 |
xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||||
| 4000073069 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 4000073780 | xxx | D | A | A | A | C | A | D | A | Closed | FVAL1310 | 2025-05-07 11:00 | 2025-05-08 09:48 | Resolved | 1 - Information | D | A | Property | Missing Doc | HOA Questionnaire is Missing or incomplete | Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-05/08/2025 Ready for Review-Please see attached HOA Cert - Due Diligence Vendor-05/08/2025 Open-HOA Questionnaire Document status is Missing. HOA questionaire document is not in file. - Due Diligence Vendor-05/07/2025 |
Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-05/08/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.24 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | |||
| 4000073780 | xxx | D | A | A | A | C | A | D | A | Closed | FCOM1234 | 2025-05-06 15:04 | 2025-05-08 09:46 | Resolved | 1 - Information | C | A | Compliance | Closing Package | The Final 1003 is Not Executed | Resolved-The Final 1003 is Executed - Due Diligence Vendor-05/08/2025 Ready for Review-SIGNED FINAL 1003 - Due Diligence Vendor-05/07/2025 Open-The Final 1003 is Not Executed Both borrower's signature is missing on final 1003 - Due Diligence Vendor-05/06/2025 |
Resolved-The Final 1003 is Executed - Due Diligence Vendor-05/08/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.24 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | |||
| 4000070510 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | |||||||||||||||||||
| 4000074913 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 4000075680 | xxx | D | A | A | A | A | A | D | A | Closed | FPRO1244 | 2025-05-05 19:10 | 2025-05-14 12:28 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Acceptable UCDP provided. Appraisal updated as of xxx with supporting UCDP dated xxx. - Due Diligence Vendor-05/14/2025 Ready for Review-Hello Team, The date on UCDP is xxx because the original submitted date was xxx. This date is acceptable since the 1004D was ordered to support the validation. The updated submission date is also reflected in the report as xxx. Could you please clear the condition? - Due Diligence Vendor-05/12/2025 Counter-the UCDP docs provided dated xxx is older by 5 months from the appraisal completion date xxx. Condition is requesting Updated UCDP to support appraisal and per Guideline requirement. - Due Diligence Vendor-05/11/2025 Ready for Review-Hello, please find attached and clear the condition. - Due Diligence Vendor-05/08/2025 Open-Provided CU & LCA document is xxx,Need latest CDA or CU or LCA document. - Due Diligence Vendor-05/05/2025 |
Resolved-Acceptable UCDP provided. Appraisal updated as of xxx with supporting UCDP dated xxx. - Due Diligence Vendor-05/14/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 125.46 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 4000075752 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 4000074074 | xxx | C | A | C | A | A | A | A | A | Closed | FCRE1198 | 2025-05-07 12:04 | 2025-05-09 14:56 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of xxx are greater than or equal to Guideline Required Reserves of 0 - Due Diligence Vendor-05/09/2025 Ready for Review-Loan amount is less than $xxx and LTV is less than 75% so reserves is not required for the loan. - Due Diligence Vendor-05/08/2025 Open-Audited Reserves of xxx are less than Guideline Required Reserves of 6 - Due Diligence Vendor-05/07/2025 |
Resolved-Audited Reserves of xxx are greater than or equal to Guideline Required Reserves of 0 - Due Diligence Vendor-05/09/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.24 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.1% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.23 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 21.47% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||||
| 4000075600 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 4000075757 | xxx | C | A | C | A | A | A | A | A | Closed | FCRE1198 | 2025-05-07 16:08 | 2025-05-12 08:32 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of xxx are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-05/12/2025 Ready for Review-The loan is for primary home and Loan amount over xxx so the required reserves are 6 months per xxx guidelines. Please waive the condition. - Due Diligence Vendor-05/09/2025 Open-Audited Reserves of xxx are less than Guideline Required Reserves of 9 - Due Diligence Vendor-05/07/2025 |
Resolved-Audited Reserves of xxx are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-05/12/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.21 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.72% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||||
| 4000075757 | xxx | C | A | C | A | A | A | A | A | Closed | FCRE1176 | 2025-05-07 15:44 | 2025-05-12 08:31 | Resolved | 1 - Information | C | A | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Resolved-PCCD Disbursement date is xxx - Due Diligence Vendor-05/12/2025 Ready for Review-Post CD shows the disbursement date xxx which is the closing date in xxx. Insurance policy covers the closing date xxx. - Due Diligence Vendor-05/09/2025 Open-HO-6 Insurance Policy Effective Date of xxx is after the Note Date of xxx - Due Diligence Vendor-05/07/2025 |
Resolved-PCCD Disbursement date is xxx - Due Diligence Vendor-05/12/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.21 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.72% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||||
| 4000075622 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 4000074422 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 4000075634 | xxx | D | A | D | A | A | A | A | A | Closed | FCRE2109 | 2025-05-07 12:40 | 2025-05-11 10:06 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-05/11/2025 Ready for Review-Please find the attached income worksheet. - Due Diligence Vendor-05/08/2025 Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-05/07/2025 |
Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-05/11/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.29% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.23 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||
| 4000075597 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 4000075639 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | |||||||||||||||||||
| 4000072559 | xxx | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2025-05-07 16:43 | 2025-05-11 07:04 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Property Docs Provided. - Due Diligence Vendor-05/11/2025 Ready for Review-REO expenses - Due Diligence Vendor-05/08/2025 Open-Missing HOI Declaration page for xxx. xxx missing note, closing statement and a copy of the taxes and insurance statement. Missing tax cert for xxx. - Due Diligence Vendor-05/07/2025 |
Resolved-Property Docs Provided. - Due Diligence Vendor-05/11/2025 |
xxx | QM: Safe Harbor GSE Temporary (GSE SH) | QM: Safe Harbor GSE Temporary (GSE SH) | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | ||||
| 4000072559 | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1316 | 2025-05-07 10:00 | 2025-05-11 06:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-05/11/2025 Ready for Review-CVOE - Due Diligence Vendor-05/08/2025 Open-Borrower 1 3rd Party VOE Prior to Close Missing Borrower 1 3rd Party VOE is missing - Due Diligence Vendor-05/07/2025 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-05/11/2025 |
xxx | QM: Safe Harbor GSE Temporary (GSE SH) | QM: Safe Harbor GSE Temporary (GSE SH) | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | ||||
| 4000072559 | xxx | D | A | D | A | A | A | A | A | Closed | FCRE2109 | 2025-05-07 16:45 | 2025-05-11 06:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-05/11/2025 Ready for Review-income wrksht - Due Diligence Vendor-05/08/2025 Open-Missing Lender Worksheet or Bank Statement Summary Missing lender income worksheet. - Due Diligence Vendor-05/07/2025 |
Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-05/11/2025 |
xxx | QM: Safe Harbor GSE Temporary (GSE SH) | QM: Safe Harbor GSE Temporary (GSE SH) | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | ||||
| 4000068649 | xxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | |||||||||||||||||||
| 4000074812 | xxx | C | A | C | A | A | A | A | A | Closed | FCRE1198 | 2025-05-07 19:17 | 2025-05-11 09:57 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of xxx are greater than or equal to Guideline Required Reserves of 2 - Due Diligence Vendor-05/11/2025 Ready for Review-Document Uploaded. xxx statement - Buyer-05/08/2025 Open-Audited Reserves of are less than Guideline Required Reserves of 2 - Due Diligence Vendor-05/07/2025 |
Resolved-Audited Reserves of xxx are greater than or equal to Guideline Required Reserves of 2 - Due Diligence Vendor-05/11/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.56 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | |||
| 4000074812 | xxx | C | A | C | A | A | A | A | A | Closed | FCRE7000 | 2025-05-07 19:14 | 2025-05-11 09:56 | Resolved | 1 - Information | C | A | Credit | Assets | Insufficient Total Liquid Assets Available for Close | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-05/11/2025 Ready for Review-Document Uploaded. please see xxx statement - Buyer-05/08/2025 Open-Total Liquid Assets Available for Close of $xxx is less than Total Cash to Close $xxx. Validated - Due Diligence Vendor-05/07/2025 |
Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-05/11/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.56 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | |||
| 4000071442 | xxx | C | A | C | A | A | A | A | A | Closed | FCRE1159 | 2025-05-08 09:37 | 2025-05-12 10:15 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-05/12/2025 Ready for Review-Current and Renewal policy included - Due Diligence Vendor-05/09/2025 Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx - Due Diligence Vendor-05/08/2025 |
Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-05/12/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.31 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | NA | N/A | N/A | xxx | |||
| 4000074248 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 4000072546 | xxx | C | A | C | A | A | A | A | A | Closed | FCRE1193 | 2025-05-09 12:06 | 2025-05-23 09:07 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 47.92% is less than or equal to Guideline DTI of 55% - Due Diligence Vendor-05/23/2025 Ready for Review-xxx loe - Due Diligence Vendor-05/21/2025 Open-DTI discrepancy due to xxx. Lender did not include any payments for xxx. TPR used 1% per guidelines. Lender DTI is 47.90% vs Audit DTI 54.24%. Provide updated 1008 reflecting updated DTI including student loans. - Due Diligence Vendor-05/09/2025 |
Resolved-Audited DTI of 47.92% is less than or equal to Guideline DTI of 55% - Due Diligence Vendor-05/23/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 47.92% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 77.88% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.07 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx | |||
| 4000073947 | xxx | C | A | C | A | A | A | A | A | Closed | FCRE1437 | 2025-05-09 10:39 | 2025-05-12 13:58 | Resolved | 1 - Information | C | A | Credit | Income | Income and Employment Do Not Meet Guidelines | Resolved-Business Narrative provided. - Due Diligence Vendor-05/12/2025 Ready for Review-Business Narrative - Due Diligence Vendor-05/09/2025 Open-Income and Employment Do Not Meet Guidelines Missing Business narrative for xxx - Due Diligence Vendor-05/09/2025 |
Resolved-Business Narrative provided. - Due Diligence Vendor-05/12/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.37 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.66 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.94% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.67 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | |||
| 4000073008 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | |||||||||||||||||||
| 4000074432 | xxx | C | A | C | A | A | A | A | A | Closed | FCRE1198 | 2025-05-08 16:03 | 2025-05-14 11:27 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of xxx are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-05/14/2025 Ready for Review-Please find attached the FSS and Post CD. - Due Diligence Vendor-05/13/2025 Open-Audited Reserves of xxx are less than Guideline Required Reserves of 6 Lenders 1008 reflects they calculated $xxx as funds to close. In reality borrower had to come to the table with over $xxx. This made borrower short reserves - Due Diligence Vendor-05/08/2025 |
Resolved-Audited Reserves of xxx are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-05/14/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.47 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.72% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||
| 4000071109 | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1159 | 2025-05-09 09:21 | 2025-05-13 08:19 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-05/13/2025 Ready for Review-Docs to support Disbursement Date is after xxx - Due Diligence Vendor-05/12/2025 Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx - Due Diligence Vendor-05/09/2025 |
Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-05/13/2025 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 78.26 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | |||
| 4000071109 | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1201 | 2025-05-09 09:37 | 2025-05-13 08:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-05/13/2025 Ready for Review-Fraud Report and Clearance of Alerts - Due Diligence Vendor-05/12/2025 Open-Missing Third Party Fraud Report - Due Diligence Vendor-05/09/2025 |
Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-05/13/2025 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 78.26 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | |||
| 4000073755 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | |||||||||||||||||||
| 4000074396 | xxx | C | B | C | B | C | A | A | A | Closed | FCRE1193 | 2025-05-12 08:41 | 2025-05-14 12:43 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Approved Investor Exception: Exception to use 24 month average of income - income stabilized and increase past 8 months, reason for decline - borrower on maternity leave or please allow exception for FTHB to go up to 55% Debt ratio if only 12 months income is used DTI would be 51.5% - Due Diligence Vendor-05/14/2025 Ready for Review-approved exception - Due Diligence Vendor-05/13/2025 Open-Document Uploaded. - Due Diligence Vendor-05/12/2025 Open-TPR reviewed lenders worksheet and comments. TPR did worksheet using the current 24 month deposits but utilized only current 12 months for approval as lender used current 12 months due to declining income from maternity. TPR worksheet is completed / uploaded and verified. Lenders full income worksheet is not in file. It appears per lender did not calculate/use a vacancy factor as required per guides. DTI discrepancy audit 48.37% vs lender 45.97%. Provide updated 1008. - Due Diligence Vendor-05/12/2025 |
Waived-Approved Investor Exception: Exception to use 24 month average of income - income stabilized and increase past 8 months, reason for decline - borrower on maternity leave or please allow exception for FTHB to go up to 55% Debt ratio if only 12 months income is used DTI would be 51.5% - Due Diligence Vendor-05/14/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 200.47 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55.56% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 48.37% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
56% LTV xxx months in reserves |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxx | ||
| 4000074396 | xxx | C | B | C | B | C | A | A | A | Closed | FCOM4227 | 2025-05-09 01:24 | 2025-05-14 08:25 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-ICD_ received, data entered, no additional compliance findings. - Due Diligence Vendor-05/14/2025 Ready for Review-icd - Due Diligence Vendor-05/13/2025 Open-*******Closing date is xxx. Original file appears to be missing the Initial CD issued at least 3 business days prior to closing. Lender to provide a copy of the Initial CD with evidence of delivery to the borrower. - Due Diligence Vendor-05/09/2025 |
Resolved-ICD_ received, data entered, no additional compliance findings. - Due Diligence Vendor-05/14/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 200.47 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55.56% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 48.37% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||
| 4000074396 | xxx | C | B | C | B | C | A | A | A | Closed | finding-3532 | 2025-05-10 14:44 | 2025-05-14 08:25 | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-ICD_ received, data entered, no additional compliance findings. - Due Diligence Vendor-05/14/2025 Ready for Review-initial cd - Due Diligence Vendor-05/13/2025 Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. No CD disclosed at least 3 days prior to consummation found in the file - Due Diligence Vendor-05/10/2025 |
Resolved-ICD_ received, data entered, no additional compliance findings. - Due Diligence Vendor-05/14/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 200.47 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55.56% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 48.37% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||
| 4000075662 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 4000073659 | xxx | D | A | D | A | A | A | A | A | Closed | FCRE3978 | 2025-05-07 20:25 | 2025-05-11 07:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Letter of Explanation (Credit) missing or unexecuted | Resolved-LOE Provided. - Due Diligence Vendor-05/11/2025 Ready for Review-Document Uploaded. Inquiry LOE is in the loan file. - Seller-05/08/2025 Open-Guidelines require a letter of explanation for all credit inquiries within the last 90 days prior to closing. - Due Diligence Vendor-05/08/2025 |
Ready for Review-Document Uploaded. Inquiry LOE is in the loan file. - Seller-05/08/2025 |
Resolved-LOE Provided. - Due Diligence Vendor-05/11/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.49 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 66.49 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 18.12% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.75 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 17.14% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 4000074162 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 4000074581 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 4000072416 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||||
| 4000074411 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 4000074478 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 4000073584 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 4000074564 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 4000075754 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 4000073704 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 4000074082 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 4000075676 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | |||||||||||||||||||
| 4000073221 | xxx | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2025-05-12 10:58 | 2025-05-15 10:13 | 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-05/15/2025 Ready for Review-This loan program is xxx. We do not require to offer Credit Refresh. - Due Diligence Vendor-05/13/2025 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-05/12/2025 |
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/15/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 79.57 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | ||||
| 4000072443 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||||
| 4000072823 | xxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Investment | Purchase | NA | |||||||||||||||||||
| 4000073754 | xxx | D | A | D | A | A | A | A | A | Closed | FCRE2109 | 2025-05-09 16:39 | 2025-05-15 14:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-05/15/2025 Ready for Review-Please see attached - Due Diligence Vendor-05/14/2025 Counter-Missing Lender P&L Calculations from the 1008 or Provide a breakdown of the P&L calculations via Income worksheet - Due Diligence Vendor-05/14/2025 Ready for Review-This is a P&L deal and the income worksheet is not required - Due Diligence Vendor-05/13/2025 Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-05/09/2025 |
Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-05/15/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 53.33 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.50 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.1% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||
| 4000075248 | xxx | C | A | C | A | A | A | A | A | Closed | FCRE1198 | 2025-05-13 11:08 | 2025-05-14 13:34 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of xxx are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-05/14/2025 Ready for Review-Base loan is xxx, and NOO. Reserve required is xxx, not 6. - Due Diligence Vendor-05/13/2025 Open-Audited Reserves of xxx are less than Guideline Required Reserves of 6 Only verified assets in file is "gift letter" from husband for $xxx. - Due Diligence Vendor-05/13/2025 |
Resolved-Audited Reserves of xxx are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-05/14/2025 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.72 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.27% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | |||
| 4000072825 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | |||||||||||||||||||
| 4000073613 | xxx | B | A | B | A | A | A | A | A | Closed | FCRE1182 | 2025-05-09 09:57 | 2025-05-16 11:47 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-05/16/2025 Ready for Review-Please see the attached 1008 - Due Diligence Vendor-05/15/2025 Open-1008/Underwriting Summary Not Provided 1008 Is Missing in loan file. - Due Diligence Vendor-05/09/2025 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-05/16/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.25 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 56.78 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 1.63% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx | |||
| 4000073848 | xxx | D | A | A | A | D | A | A | A | Closed | FCOM1274 | 2025-05-14 03:11 | 2025-05-22 11:41 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Federal Disclosure | Escrow Waiver is Missing | Resolved-Escrow Waiver is Present or Not Applicable - Due Diligence Vendor-05/22/2025 Resolved-Escrow waiver disclosure provided. - Due Diligence Vendor-05/21/2025 Ready for Review-escrow disclosure - Due Diligence Vendor-05/21/2025 Open-Escrow Waiver is Missing COC form provided indicates Flood reserves --- However, the Final Closing Disclosure (dated xxx?), Escrow waiver &/or Initial Escrow Account Disclosure(s), have not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-05/20/2025 |
Resolved-Escrow Waiver is Present or Not Applicable - Due Diligence Vendor-05/22/2025 Resolved-Escrow waiver disclosure provided. - Due Diligence Vendor-05/21/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 21 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 38.14% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 62.3 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.95% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 4000073848 | xxx | D | A | A | A | D | A | A | A | Closed | FCOM1621 | 2025-05-20 18:08 | 2025-05-22 11:41 | Resolved | 1 - Information | B | A | Compliance | Missing Doc - Federal Disclosure | Initial Escrow Account Disclosure is Missing | Resolved-Initial Escrow Account Disclosure is Resolved - Due Diligence Vendor-05/22/2025 Resolved-IEAD for Flood ins provided. - Due Diligence Vendor-05/21/2025 Ready for Review-IEAD - Due Diligence Vendor-05/21/2025 Open-Initial Escrow Account Disclosure is Missing COC form provided indicates Flood reserves --- However, the Final Closing Disclosure (dated xxx?), Escrow waiver &/or Initial Escrow Account Disclosure(s), have not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-05/20/2025 |
Resolved-Initial Escrow Account Disclosure is Resolved - Due Diligence Vendor-05/22/2025 Resolved-IEAD for Flood ins provided. - Due Diligence Vendor-05/21/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 21 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 38.14% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 62.3 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.95% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 4000073848 | xxx | D | A | A | A | D | A | A | A | Closed | FCOM1262 | 2025-05-20 18:08 | 2025-05-22 11:41 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - ROR | Right of Rescission is Missing | Resolved-Right of Rescission is Provided - Due Diligence Vendor-05/22/2025 Ready for Review-NORTC - Due Diligence Vendor-05/21/2025 Open-Right of Rescission is Missing Executed Notice of Right to Cancel has not been provided - Due Diligence Vendor-05/20/2025 |
Resolved-Right of Rescission is Provided - Due Diligence Vendor-05/22/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 21 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 38.14% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 62.3 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.95% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 4000073848 | xxx | D | A | A | A | D | A | A | A | Closed | FCOM1544 | 2025-05-12 18:41 | 2025-05-22 11:40 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-05/22/2025 Ready for Review-Final signed CD - Due Diligence Vendor-05/21/2025 Open-TRID: Missing Final Closing Disclosure Final Closing Disclosure has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-05/20/2025 |
Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-05/22/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 21 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 38.14% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 62.3 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.95% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 4000073848 | xxx | D | A | A | A | D | A | A | A | Closed | FCOM1232 | 2025-05-12 18:29 | 2025-05-21 12:43 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-05/21/2025 Ready for Review-1003 - Due Diligence Vendor-05/21/2025 Open-The Final 1003 is Missing. signature page is on pg xxx of file. - Due Diligence Vendor-05/12/2025 |
Resolved-The Final 1003 is Present - Due Diligence Vendor-05/21/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 21 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 38.14% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 62.3 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.95% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 4000072642 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||||
| 4000075124 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 4000075660 | xxx | D | A | D | A | C | A | A | A | Closed | finding-3712 | 2025-05-14 12:40 | 2025-05-21 10:21 | Resolved | 1 - Information | C | A | Compliance | State Reg | CA Per Diem Interest Amount Test | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-05/21/2025 Ready for Review-Please see the attached xxx Per Diem Disclosure - Due Diligence Vendor-05/21/2025 Open-This loan failed the per diem interest amount test. (xxx Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan ($xxx) exceeds the per diem interest charge or credit threshold ($xxx).PLEASE NOTE: An additional $xxx buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. - Due Diligence Vendor-05/14/2025 |
Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-05/21/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.7 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.16 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.37% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||
| 4000075660 | xxx | D | A | D | A | C | A | A | A | Closed | FCRE1202 | 2025-05-13 17:47 | 2025-05-19 09:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-05/19/2025 Ready for Review-Please see the attached Fraud report - Due Diligence Vendor-05/16/2025 Open-Third Party Fraud Report Partially Provided Missing full Fraud report. - Due Diligence Vendor-05/13/2025 |
Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-05/19/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.7 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.16 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.37% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||
| 4000075660 | xxx | D | A | D | A | C | A | A | A | Closed | FCRE1326 | 2025-05-10 08:18 | 2025-05-19 09:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Income | Borrower 1 YTD Profit & Loss Missing | Resolved-Borrower 1 YTD Profit & Loss Resolved - Due Diligence Vendor-05/19/2025 Ready for Review-Please see the attached P&L xxx, xxx YTD xxx - Due Diligence Vendor-05/16/2025 Open-Borrower 1 YTD Profit & Loss Missing Missing Profit & Loss Statement For xxx. - Due Diligence Vendor-05/10/2025 |
Resolved-Borrower 1 YTD Profit & Loss Resolved - Due Diligence Vendor-05/19/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.7 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.16 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.37% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||
| 4000073576 | xxx | D | A | D | A | C | A | A | A | Closed | FCRE1437 | 2025-05-13 13:09 | 2025-05-16 11:56 | Resolved | 1 - Information | C | A | Credit | Income | Income and Employment Do Not Meet Guidelines | Resolved-Updated 1003 provided. - Due Diligence Vendor-05/16/2025 Ready for Review-Please see updated 1003, its details of REO - xxx are updated - Due Diligence Vendor-05/15/2025 Open-Income and Employment Do Not Meet Guidelines In need of Letter of explanation to confirm that the borrower is only on title/DOT of investment property at xxx. The original Note for that property appears to be owned by someone elses name xxx and xxx. Page #'s xxx,xxx and xxx - Due Diligence Vendor-05/13/2025 |
Resolved-Updated 1003 provided. - Due Diligence Vendor-05/16/2025 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.53% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.90 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.90 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||
| 4000073576 | xxx | D | A | D | A | C | A | A | A | Closed | FCRE2000 | 2025-05-13 12:40 | 2025-05-16 11:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Property | Incomplete or Unexecuted Purchase Contract | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-05/16/2025 Ready for Review-RPA_Addendum - Due Diligence Vendor-05/15/2025 Open-Purchase Contract is Partial copy. Missing purchase addendum showing final sales price ofr subject property of $xxx - Due Diligence Vendor-05/13/2025 |
Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-05/16/2025 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.53% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.90 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.90 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||
| 4000073576 | xxx | D | A | D | A | C | A | A | A | Closed | finding-3712 | 2025-05-10 14:59 | 2025-05-16 09:25 | Resolved | 1 - Information | C | A | Compliance | State Reg | CA Per Diem Interest Amount Test | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-05/16/2025 Ready for Review-Could you please review the PCCD again? Per Diem interest amount charged of $xxx is from the Final CD. We have attached the PCCD in the trailing docs, but it is supposed that PCCD has not been reviewed regarding this issue. We have reviewed the xxx per diem interest test failure alert for the loan. Based on our documentation : Closing Date: xxx Disbursement Date: xxx Prepaid Interest (per PCCD): From xxx As per xxx Bus. & Prof. Code §2948.5, interest should not be charged for any date prior to disbursement. Since both the Closing and Disbursement occurred on xxx, no prior-day interest was charged. - Due Diligence Vendor-05/15/2025 Open-This loan failed the per diem interest amount test. (xxx Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan ($xxx) exceeds the per diem interest charge or credit threshold ($-xxx).PLEASE NOTE: An additional $xxx buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. **** Please provide the xxx Per Diem Disclosure for review - Due Diligence Vendor-05/13/2025 |
Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-05/16/2025 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.53% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.90 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.90 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||
| 4000072222 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | |||||||||||||||||||
| 4000073108 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||||
| 4000073896 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 4000074051 | xxx | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2025-05-15 11:57 | 2025-05-22 09:07 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-New HELOC Docs provided Loan amount is $xxx - Due Diligence Vendor-05/22/2025 Ready for Review-Document Uploaded. - Buyer-05/20/2025 Counter-Document Uploaded. Missing HELOC Mortgage statement as this is not listed on the CBR or GAP report. - Due Diligence Vendor-05/20/2025 Ready for Review-Document Uploaded. - Buyer-05/19/2025 Open-Missing Note, Settlement Statement, Tax Bill and Insurance Statement for xxx. xxx HELOC, Balance $xxx and a monthly payment of xxx. - Due Diligence Vendor-05/15/2025 |
Resolved-New HELOC Docs provided Loan amount is $xxx - Due Diligence Vendor-05/22/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 345.77 Are Greater Than The Guideline Minimum Of 8 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||
| 4000073418 | xxx | D | A | A | A | D | A | A | A | Closed | FCOM1229 | 2025-05-10 13:35 | 2025-05-15 17:32 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | 1-4 Family Rider is Missing | Resolved-The 1-4 Family Rider is Present - Due Diligence Vendor-05/15/2025 Open-1-4 Family Rider is Missing 1-4 Family Rider is missing. - Due Diligence Vendor-05/10/2025 |
Resolved-The 1-4 Family Rider is Present - Due Diligence Vendor-05/15/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 179.09 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 45.06% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | ||||
| 4000075547 | xxx | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2025-05-14 11:26 | 2025-05-15 14:43 | 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-05/15/2025 Resolved-Per GL: A tri-merged in file credit report from all three repositories is required - "A written explanation for all inquiries within ninety (90) days of application is required disclosing no new debt" - Alternate confirmation that there is no new debt may include a new credit report, pre-close credit score soft-pull or gap report – DTI should be recalculated based on any new debt – Any new credit scores must be reviewed for qualifications. - Due Diligence Vendor-05/15/2025 Ready for Review-Credit Inquiry Letter - Due Diligence Vendor-05/14/2025 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-05/14/2025 |
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/15/2025 Resolved-Per GL: A tri-merged in file credit report from all three repositories is required - "A written explanation for all inquiries within ninety (90) days of application is required disclosing no new debt" - Alternate confirmation that there is no new debt may include a new credit report, pre-close credit score soft-pull or gap report – DTI should be recalculated based on any new debt – Any new credit scores must be reviewed for qualifications. - Due Diligence Vendor-05/15/2025 |
xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxx | ||||
| 4000075547 | xxx | D | A | D | A | A | A | A | A | Closed | FCRE5783 | 2025-05-14 11:26 | 2025-05-15 14:43 | 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-05/15/2025 Resolved-Per GL: A tri-merged in file credit report from all three repositories is required - "A written explanation for all inquiries within ninety (90) days of application is required disclosing no new debt" - Alternate confirmation that there is no new debt may include a new credit report, pre-close credit score soft-pull or gap report – DTI should be recalculated based on any new debt – Any new credit scores must be reviewed for qualifications. - Due Diligence Vendor-05/15/2025 Ready for Review-Credit Inquiry Letter - Due Diligence Vendor-05/14/2025 Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-05/14/2025 |
Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-05/15/2025 Resolved-Per GL: A tri-merged in file credit report from all three repositories is required - "A written explanation for all inquiries within ninety (90) days of application is required disclosing no new debt" - Alternate confirmation that there is no new debt may include a new credit report, pre-close credit score soft-pull or gap report – DTI should be recalculated based on any new debt – Any new credit scores must be reviewed for qualifications. - Due Diligence Vendor-05/15/2025 |
xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxx | ||||
| 4000074154 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 4000074165 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 4000074166 | xxx | C | A | C | A | A | A | A | A | Closed | FCRE1198 | 2025-05-14 14:19 | 2025-05-20 10:42 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of xxx are greater than or equal to Guideline Required Reserves of 4 - Due Diligence Vendor-05/20/2025 Ready for Review-Hello, through the guideline for this loan program, we only required reserves of xxx months. Could you please review and waive this condition? - Due Diligence Vendor-05/19/2025 Open-Audited Reserves of xxx are less than Guideline Required Reserves of 6 - Due Diligence Vendor-05/14/2025 |
Resolved-Audited Reserves of xxx are greater than or equal to Guideline Required Reserves of 4 - Due Diligence Vendor-05/20/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.55% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||||
| 4000073281 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 4000073254 | xxx | D | A | D | A | A | A | A | A | Closed | FCRE2109 | 2025-05-14 16:34 | 2025-05-19 13:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-05/19/2025 Ready for Review-Hello Team, please find the income worksheet and clear the condition. - Due Diligence Vendor-05/16/2025 Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-05/14/2025 |
Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-05/19/2025 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 26.42% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.71 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 25 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.47% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 4000073254 | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1169 | 2025-05-14 16:28 | 2025-05-19 13:02 | Resolved | 1 - Information | C | A | Credit | Insurance | Flood Insurance Effective Date is after the Note Date | Resolved-PCCD disbursement date is xxx - Due Diligence Vendor-05/19/2025 Ready for Review-Hello Team, the flood insurance was effective before the funding date xxx. Please review and waive the condition. - Due Diligence Vendor-05/16/2025 Open-Flood Insurance Effective Date of xxx is after the Note Date of xxx - Due Diligence Vendor-05/14/2025 |
Resolved-PCCD disbursement date is xxx - Due Diligence Vendor-05/19/2025 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 26.42% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.71 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 25 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.47% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||||
| 4000074744 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 4000073518 | xxx | D | A | A | A | A | A | D | A | Closed | FVAL1310 | 2025-05-10 13:48 | 2025-05-19 09:26 | Resolved | 1 - Information | D | A | Property | Missing Doc | HOA Questionnaire is Missing or incomplete | Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-05/19/2025 Ready for Review-Hello Team, since the property is detached condo, HOA questionnaire is not necessary. Could you please waive the condition? - Due Diligence Vendor-05/15/2025 Open-HOA Questionnaire Document status is Missing. - Due Diligence Vendor-05/10/2025 |
Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-05/19/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.72 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 19.42% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 27.86% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx | ||||
| 4000075716 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 4000074558 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 4000075521 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | |||||||||||||||||||
| 4000074734 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 4000074587 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 4000073257 | xxx | C | A | C | A | A | A | A | A | Closed | FCRE1198 | 2025-05-10 17:42 | 2025-05-19 13:00 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of xxx are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-05/19/2025 Ready for Review-Certified Master FSS clearly verifies that borrower refund of $xxx suffices the xxxmonths of reserves. $xxx > (PITI * 6months = $xxx, PITI = $xxx = xxx + xxx + xxx) Could you please help waive the condition? - Due Diligence Vendor-05/16/2025 Open-Audited Reserves of are less than Guideline Required Reserves of 6 Audited Reserves of xxx. In need of assets to support an additional 5 months of reserves. - Due Diligence Vendor-05/10/2025 |
Resolved-Audited Reserves of xxx are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-05/19/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.91% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.27 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.78 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||
| 4000071915 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 4000074578 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 4000073103 | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1186 | 2025-05-14 13:34 | 2025-05-23 10:27 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds AUS DTI | Resolved-Audited DTI of 46.51% is less than or equal to AUS DTI of 46.51% - Due Diligence Vendor-05/23/2025 Ready for Review- UW made the changes based on the audited chart received. Subject Property taxes remained the same as the amount we are using is based on the tax cert we have on file. With the changes are DTI is still below 47%. - Due Diligence Vendor-05/22/2025 Counter-Document Uploaded. Please see attached REO worksheet - Due Diligence Vendor-05/20/2025 Ready for Review-please provide your calculations/ changes for review - Due Diligence Vendor-05/20/2025 Open-Audited DTI of 47.55% exceeds AUS DTI of 46.17% DTI Variance due to lender REO losses were less than reviewer's. - Due Diligence Vendor-05/14/2025 |
Resolved-Audited DTI of 46.51% is less than or equal to AUS DTI of 46.51% - Due Diligence Vendor-05/23/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | ||||
| 4000073103 | xxx | D | A | D | A | A | A | A | A | Closed | FCRE7347 | 2025-05-14 13:38 | 2025-05-20 12:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Rent Schedule Provided $xxx - Due Diligence Vendor-05/20/2025 Ready for Review-ren schedule- newly originated loan - Due Diligence Vendor-05/19/2025 Open-Lease Agreement is missing for xxx. - Due Diligence Vendor-05/14/2025 |
Resolved-Rent Schedule Provided $xxx - Due Diligence Vendor-05/20/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | ||||
| 4000073103 | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1503 | 2025-05-14 13:40 | 2025-05-20 12:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Final CD & Note provided. - Due Diligence Vendor-05/20/2025 Ready for Review-OTHER LIEN/ xxx PROPERTY - Due Diligence Vendor-05/19/2025 Open-Mortgage Statement Is Missing for xxx. Appears to be recently financed by xxx, will require a copy of the note and closing statement. - Due Diligence Vendor-05/14/2025 |
Resolved-Final CD & Note provided. - Due Diligence Vendor-05/20/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | ||||
| 4000075109 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | |||||||||||||||||||
| 4000076686 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 4000073845 | xxx | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2025-05-17 13:21 | 2025-05-20 11:10 | 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-05/20/2025 Ready for Review-Please see attached file. Thank you very much. - Due Diligence Vendor-05/19/2025 Open-Borrower 1 Gap Credit Report is Missing Missing B1 Gap Credit Report. Per GL (xxx)- Credit refresh is required no more than 10 days prior to loan closing or at any time after closing. Any new debt must be included in determining the DTI ratio. - Due Diligence Vendor-05/17/2025 |
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/20/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.56 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.54% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 53.79% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||
| 4000074563 | xxx | C | A | C | A | A | A | A | A | Closed | FCRE1198 | 2025-05-16 17:49 | 2025-05-20 11:06 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of xxx are greater than or equal to Guideline Required Reserves of 0 - Due Diligence Vendor-05/20/2025 Ready for Review-According to our guidelines, no reserves are required for loan amounts up to $xxx with an LTV of 75 or less. Based on this, the PKG we provided should not require 6 months of reserves. Kindly review and confirm once again. Thank you! - Due Diligence Vendor-05/19/2025 Open-Audited Reserves of are less than Guideline Required Reserves of 6 - Due Diligence Vendor-05/16/2025 |
Resolved-Audited Reserves of xxx are greater than or equal to Guideline Required Reserves of 0 - Due Diligence Vendor-05/20/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.09% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||||
| 4000074563 | xxx | C | A | C | A | A | A | A | A | Closed | FCRE1182 | 2025-05-19 09:15 | 2025-05-20 11:06 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-05/20/2025 Ready for Review-Please see revised 1008 attached. Thank you - Due Diligence Vendor-05/20/2025 Open-1008 provided reflects All Other Monthly Payments of $xxx. Per the Final Credit Report, xxx #xxx is marked as PAID. 1008 provided is including that payment. Audit All Other Monthly Payments total is $xxx. DTI Discrepancy due to different. Audit 32.09% vs. Lender 35.46%. Provide updated 1008. - Due Diligence Vendor-05/19/2025 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-05/20/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.09% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||
| 4000073156 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 4000076681 | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1815 | 2025-05-20 13:25 | 2025-05-22 10:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Incomplete | Resolved-Business Documents provided. - Due Diligence Vendor-05/22/2025 Ready for Review-llc - Due Diligence Vendor-05/20/2025 Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Provide documentation to reflection the Business Entity EIN Number for xxx. - Due Diligence Vendor-05/20/2025 |
Resolved-Business Documents provided. - Due Diligence Vendor-05/22/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 294.05 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 4000076752 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 4000075468 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 4000073759 | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1491 | 2025-05-16 15:21 | 2025-05-21 08:36 | Resolved | 1 - Information | D | A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-05/21/2025 Ready for Review-two cash out proceeds funded same day - Due Diligence Vendor-05/20/2025 Open-Asset Qualification Does Not Meet Guideline Requirements Missing proof proceeds from secured loan per Final 1003 pg xxx in the amount of $xxx. - Due Diligence Vendor-05/16/2025 |
Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-05/21/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 61.13 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | |||
| 4000072513 | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1468 | 2025-05-13 17:18 | 2025-05-20 12:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 2 Missing | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-05/20/2025 Ready for Review-Proof of sale - Due Diligence Vendor-05/19/2025 Open-Asset 2 Missing Missing proof of proceeds from sale in the amount of $xxx as stated on final 1003 pg xxx. Need proof of sale and letter of explanation to support funds. - Due Diligence Vendor-05/13/2025 |
Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-05/20/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.53 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.67 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | |||
| 4000072513 | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1241 | 2025-05-15 16:07 | 2025-05-20 12:21 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-05/20/2025 Ready for Review-Purchase contract - Due Diligence Vendor-05/19/2025 Open-Purchase Contract Is Missing Missing purchase contract for subject property at xxx - Due Diligence Vendor-05/15/2025 |
Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-05/20/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.53 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.67 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | |||
| 4000073877 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 4000074326 | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1500 | 2025-05-13 17:25 | 2025-05-21 10:23 | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower Identification Documentation Missing | Resolved- - Due Diligence Vendor-05/21/2025 Ready for Review-photo ids and perm residence cards - Due Diligence Vendor-05/20/2025 Open-Borrower is Permanent Residence, No proof of Identification is available in the loan file - Due Diligence Vendor-05/13/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 96.61 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of % Is Less Than The Guideline Maximum Of 80% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | ||||
| 4000074326 | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1469 | 2025-05-16 14:17 | 2025-05-21 10:21 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 3 Missing | Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-05/21/2025 Ready for Review-gift docs - Due Diligence Vendor-05/20/2025 Open-Asset 3 Missing A gift letter for $xxx was not provided. - Due Diligence Vendor-05/16/2025 |
Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-05/21/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 96.61 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of % Is Less Than The Guideline Maximum Of 80% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | |||
| 4000074326 | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1182 | 2025-05-16 14:18 | 2025-05-21 10:18 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-05/21/2025 Ready for Review-final 1008 - Due Diligence Vendor-05/20/2025 Open-1008/Underwriting Summary Not Provided The Final 1008 was not provided. - Due Diligence Vendor-05/16/2025 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-05/21/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 96.61 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of % Is Less Than The Guideline Maximum Of 80% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | |||
| 4000077503 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 4000072952 | xxx | C | A | C | A | A | A | A | A | Closed | FCRE1198 | 2025-05-16 14:20 | 2025-05-20 09:58 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of xxx are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-05/20/2025 Ready for Review-Reserve required is xxx, not 9. - Due Diligence Vendor-05/16/2025 Open-Audited Reserves of xxx are less than Guideline Required Reserves of 9 - Due Diligence Vendor-05/16/2025 |
Resolved-Audited Reserves of xxx are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-05/20/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.38 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.25 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.36% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 63.29% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx | |||
| 4000075244 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | |||||||||||||||||||
| 4000057720 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 4000074555 | xxx | C | A | C | A | A | A | A | A | Closed | FCRE1437 | 2025-05-18 13:59 | 2025-05-28 14:05 | Resolved | 1 - Information | C | A | Credit | Income | Income and Employment Do Not Meet Guidelines | Resolved-The Original file contains a VVOE prior to closing. - Due Diligence Vendor-05/28/2025 Ready for Review-adheres to xxx guidelines, is this an overlay? - Due Diligence Vendor-05/27/2025 Counter-Document Uploaded. DU line #14 states: The most recent available paystub reflecting information for the most recent expected pay period provided by the borrower within "15 business days prior to the note date". Note date xxx and Most recent Paystub in the file is dated xxx - Due Diligence Vendor-05/20/2025 Ready for Review-alternative voes ( prev uploaded) allowed per DU ( only 1 is required from the list) - Due Diligence Vendor-05/19/2025 Open-Income and Employment Do Not Meet Guidelines Need most recent paystub dated within 15 days prior to note date(xxx. per AUS. Most recent paystub in file dated xxx and not sufficient. - Due Diligence Vendor-05/18/2025 |
Resolved-The Original file contains a VVOE prior to closing. - Due Diligence Vendor-05/28/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | ||||
| 4000075271 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 4000075824 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 4000074238 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | |||||||||||||||||||
| 4000074772 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 4000075285 | xxx | C | A | C | A | A | A | A | A | Closed | FCRE1445 | 2025-05-19 09:58 | 2025-05-20 11:58 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 3 Expired | Resolved-Asset 3 Not Expired Or Not Applicable - Due Diligence Vendor-05/20/2025 Ready for Review-Bank Statement + Print out dated xxx - Due Diligence Vendor-05/19/2025 Open-Asset 3 Expired xxx #xxx, asset submitted in the loan file, is greater than 120 days old at the time of closing. - Due Diligence Vendor-05/19/2025 |
Resolved-Asset 3 Not Expired Or Not Applicable - Due Diligence Vendor-05/20/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 76.61 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | |||
| 4000075017 | xxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Purchase | NA | |||||||||||||||||||
| 4000068420 | xxx | D | A | A | A | D | A | A | A | Closed | FCOM8844 | 2025-05-18 19:59 | 2025-05-21 12:22 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Evidence of Business Purpose use of Proceeds | Resolved-Business Purpose Disclosure or letter from borrower is Present. - Due Diligence Vendor-05/21/2025 Resolved-Business Purpose provided. - Due Diligence Vendor-05/19/2025 Ready for Review-Business Purpose - Due Diligence Vendor-05/19/2025 Open-Business Purpose Disclosure stating how funds will be used or letter from borrower regarding the use of funds is missing. Missing xxx Business Purpose affidavit. - Due Diligence Vendor-05/18/2025 |
Resolved-Business Purpose Disclosure or letter from borrower is Present. - Due Diligence Vendor-05/21/2025 Resolved-Business Purpose provided. - Due Diligence Vendor-05/19/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 100.58 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 4000068420 | xxx | D | A | A | A | D | A | A | A | Closed | FCOM1231 | 2025-05-15 08:55 | 2025-05-19 15:17 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-05/19/2025 Ready for Review-Initial 1003 - Due Diligence Vendor-05/19/2025 Open-The Initial 1003 is Missing - Due Diligence Vendor-05/15/2025 |
Resolved-The Initial 1003 is Present - Due Diligence Vendor-05/19/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 100.58 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
Initial 1003 missing. | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 4000072058 | xxx | C | A | C | A | A | A | A | A | Closed | FCRE1178 | 2025-05-19 11:41 | 2025-05-21 08:45 | Resolved | 1 - Information | C | A | Credit | Insurance | Other Property Insurance Policy Effective Date is after the Note Date | Resolved-PCCD Disbursement is xxx - Due Diligence Vendor-05/21/2025 Ready for Review-The Disbursement Date on the CD is xxx. Policy period that begins xxx should be sufficient. Thank you - Due Diligence Vendor-05/20/2025 Open-Other Property Insurance Policy Effective Date of xxx is after the Note Date of xxx Both policies in file are dated after closing - Due Diligence Vendor-05/19/2025 |
Resolved-PCCD Disbursement is xxx - Due Diligence Vendor-05/21/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 28.33 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 26 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 230.67 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 15.85% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50.73% Is Below The Guideline Maximum Of 65% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||||
| 4000076272 | xxx | C | A | C | A | A | A | A | A | Closed | FCRE1193 | 2025-05-20 14:22 | 2025-05-22 10:08 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 32.58% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-05/22/2025 Ready for Review-Please see the attached snap. These are all the same account reported by each bureau separately. - Due Diligence Vendor-05/20/2025 Open-DTI Discrepancy of Lender 32.58% vs Audit 41.96% due to gap credit report reflecting an additional debt xxx #xxx iao $xxx/mo w/balance of $xxx. - Due Diligence Vendor-05/20/2025 |
Resolved-Audited DTI of 32.58% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-05/22/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.28 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.96% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||
| 4000072493 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | |||||||||||||||||||
| 4000074540 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 4000075508 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 4000074420 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 4000072567 | xxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | |||||||||||||||||||
| 4000076349 | xxx | D | A | A | A | D | A | A | A | Closed | FCOM8844 | 2025-05-20 11:31 | 2025-05-21 12:37 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Evidence of Business Purpose use of Proceeds | Resolved-Business Purpose Disclosure or letter from borrower is Present. - Due Diligence Vendor-05/21/2025 Resolved- - Due Diligence Vendor-05/21/2025 Ready for Review-Please see the attached LLC docs. - Due Diligence Vendor-05/20/2025 Open-Missing articles of operation document for xxx - Due Diligence Vendor-05/20/2025 |
Resolved-Business Purpose Disclosure or letter from borrower is Present. - Due Diligence Vendor-05/21/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.01 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 4000076346 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||||
| 4000075723 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 4000069774 | xxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Investment | Purchase | NA | |||||||||||||||||||
| 4000074751 | xxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Investment | Purchase | NA | |||||||||||||||||||
| 4000076149 | xxx | C | A | A | A | A | A | C | A | Closed | FPRO9736 | 2025-05-21 08:40 | 2025-05-23 13:10 | Resolved | 1 - Information | C | A | Property | Third Party Valuation | Valuation review product does not support the original appraisal within -10.0% | Resolved-Desk review provided. - Due Diligence Vendor-05/23/2025 Ready for Review-CDA - Due Diligence Vendor-05/22/2025 Open-No CU score provided on SSR form and no Third Party Review product provided. Please provide Third Party Review product required by guidelines. - Due Diligence Vendor-05/21/2025 |
Resolved-Desk review provided. - Due Diligence Vendor-05/23/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | ||||
| 4000076376 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 4000073988 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | |||||||||||||||||||
| 4000076372 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 4000074753 | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1252 | 2025-05-23 16:14 | 2025-05-28 14:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Title | Title Document is Incomplete | Resolved-Title Document is Provided And Complete - Due Diligence Vendor-05/28/2025 Ready for Review-Final Title Policy - Due Diligence Vendor-05/27/2025 Open-Title Document is Incomplete Need updated title inurance policy, Missing dollar amount of coverage for title insurance policy. Need minimum dollar amount of coverage of $xxx Loan amount for subject - Due Diligence Vendor-05/23/2025 |
Resolved-Title Document is Provided And Complete - Due Diligence Vendor-05/28/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.14 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | |||
| 4000076072 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 4000067490 | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1201 | 2025-05-22 07:17 | 2025-05-23 10:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-05/23/2025 Ready for Review-Fraud Report - Due Diligence Vendor-05/22/2025 Open-Missing Third Party Fraud Report - Due Diligence Vendor-05/22/2025 |
Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-05/23/2025 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 17 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.8 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx | |||
| 4000075242 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 4000067863 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 4000074461 | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1491 | 2025-05-23 13:53 | 2025-05-29 08:26 | Resolved | 1 - Information | D | A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-05/29/2025 Ready for Review-FSS - Due Diligence Vendor-05/27/2025 Open-Asset Qualification Does Not Meet Guideline Requirements need executed refinance settlement statement (Secured funds document) As stated on final 1003 pg xxx. currently in file there is an unexecuted settlement statement document pg xxx from borrower recent refinance cash out on (previous)primary property(xxx) that shows different cash out amount of $xxx and is not the same amount as $xxx stated on FInal 1003 - Due Diligence Vendor-05/23/2025 |
Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-05/29/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 43.8% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.71% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 162.39 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.34 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||
| 4000074461 | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1764 | 2025-05-23 13:31 | 2025-05-29 08:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved- - Due Diligence Vendor-05/29/2025 Ready for Review-Note copy - Due Diligence Vendor-05/27/2025 Open-Mortgage Statement(s) Missing for below Properties- PITIA proof needed non subject properties. xxx xxx Lender is xxx rencet purchase per FInal 1003 - Due Diligence Vendor-05/23/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 43.8% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.71% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 162.39 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.34 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||||
| 4000074461 | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1437 | 2025-05-23 14:14 | 2025-05-29 08:23 | Resolved | 1 - Information | C | A | Credit | Income | Income and Employment Do Not Meet Guidelines | Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-05/29/2025 Ready for Review-Note copy and FSS - Due Diligence Vendor-05/27/2025 Open-Income and Employment Do Not Meet Guidelines Audited DTI is 43.71% vs Lenders DTI of 37.40% - Appears to be due to the REO's totaling $xxx vs Lenders $xxx - The Final 1003 reflects 2 "xxx" Loans that appear to be new however Missing First Payment Letter and Final CD's with the new loan terms listed in order to verify PITIA. - Due Diligence Vendor-05/23/2025 |
Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-05/29/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 43.8% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.71% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 162.39 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.34 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||
| 4000075902 | xxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Investment | Purchase | NA | |||||||||||||||||||
| 4000075960 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 4000076370 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 4000074217 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 4000075874 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | |||||||||||||||||||
| 4000076364 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 4000074477 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | |||||||||||||||||||
| 4000074591 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Refinance | Cash Out - Home Improvement/Reno | |||||||||||||||||||
| 4000076232 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | |||||||||||||||||||
| 4000076227 | xxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Investment | Purchase | NA | |||||||||||||||||||
| 4000075694 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | |||||||||||||||||||
| 4000078104 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 4000075793 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||||
| 4000075958 | xxx | D | A | A | A | D | A | A | A | Closed | FCOM1232 | 2025-05-27 00:23 | 2025-05-30 07:28 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-05/30/2025 Ready for Review-Document Uploaded. - Seller-05/29/2025 Open-The Final 1003 is Missing in file - Due Diligence Vendor-05/27/2025 |
Ready for Review-Document Uploaded. - Seller-05/29/2025 |
Resolved-The Final 1003 is Present - Due Diligence Vendor-05/30/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.52% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||
| 4000075030 | xxx | D | A | A | A | D | A | A | A | Closed | FCOM1282 | 2025-06-02 15:34 | 2025-06-03 07:38 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - State Disclosure | Texas F2 Notice for Home Equity Disclosure is Missing | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-06/03/2025 Ready for Review-Document Uploaded. - Seller-06/02/2025 Open-xxx F2 Notice for Home Equity Disclosure is Missing - Due Diligence Vendor-06/02/2025 |
Ready for Review-Document Uploaded. - Seller-06/02/2025 |
Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-06/03/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 16.67% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.57% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.25 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.52 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 4000077702 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 4000075018 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 4000075022 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |